Cheapest Car Insurance Quotes in Montana (2026)
State Farm has the best cheap car insurance in Montana, at $120 per month for full coverage.
Find Cheap Car Insurance Quotes in Montana
Best cheap Montana car insurance
- Want full coverage? State Farm: $120/mo
- Only need minimum coverage? State Farm: $25/mo
- Want the best customer service? State Farm: $120/mo
- Have a speeding ticket? State Farm: $127/mo
- Caused an accident? State Farm: $120/mo
- Need coverage for a young driver? State Farm: $83/mo
- Got a DUI? State Farm: $247/mo
- Have poor credit? Geico: $283/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage auto insurance in MT: State Farm and USAA
State Farm and USAA have the best cheap full coverage insurance quotes in Montana.
- State Farm is the best choice for most Montana drivers because it offers a combination of cheap rates and great customer service. At $120 per month, full coverage from State Farm costs $78 per month less than the second-cheapest company, Geico.
- USAA is an excellent choice for drivers with military ties, at $103 per month. It's even cheaper than State Farm, but USAA insurance is only available to military members, veterans and some of their family members.
Find Cheap Car Insurance Quotes in Montana
Best cheap full coverage car insurance in Montana
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Geico | $198 |
| Nationwide | $210 |
| Allstate | $241 |
| USAA* | $103 |
*USAA is only available to current and former military members and their families.
Data-powered research on Montana car insurance
Cheapest liability insurance quotes in Montana: State Farm
- State Farm has the cheapest minimum liability car insurance in Montana. At $25 per month, coverage from State Farm is less than half the state average.
- Military members, veterans and their families can also find cheap quotes at USAA. The company's average monthly rate is $21 per month.
Cheap minimum coverage MT auto insurance quotes
Company | Monthly rate |
|---|---|
| State Farm | $25 |
| Geico | $36 |
| Progressive | $59 |
| Nationwide | $67 |
| USAA* | $21 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Montana
Average cost of auto insurance in Montana by city
- Bonner-West Riverside, a suburb of Missoula, has the cheapest car insurance rates in the state. The average cost of car insurance in Bonner-West Riverside is $180 per month for a full coverage policy.
- Drivers in Lodge Grass, in the Crow Indian Reservation, pay the highest rates in the state at $229 per month.
- The largest cities in Montana typically have cheaper car insurance rates than the state average, including Billings, Missoula, Great Falls and Bozeman.
Cheapest full coverage car insurance rates by MT city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Billings | $209 | State Farm | $119 |
| Missoula | $182 | State Farm | $113 |
| Great Falls | $201 | State Farm | $131 |
| Bozeman | $192 | State Farm | $116 |
| Helena | $185 | State Farm | $110 |
| Kalispell | $211 | State Farm | $129 |
| Absarokee | $212 | State Farm | $121 |
| Acton | $210 | State Farm | $118 |
| Alberton | $194 | State Farm | $122 |
| Alder | $193 | State Farm | $117 |
| Alzada | $211 | State Farm | $117 |
| Anaconda-Deer Lodge County | $188 | State Farm | $116 |
| Angela | $210 | State Farm | $117 |
| Antelope | $202 | State Farm | $117 |
| Arlee | $199 | State Farm | $130 |
| Ashland | $209 | State Farm | $122 |
| Augusta | $198 | State Farm | $122 |
| Avon | $187 | State Farm | $120 |
| Babb | $212 | State Farm | $117 |
| Bainville | $207 | State Farm | $117 |
| Baker | $208 | State Farm | $118 |
| Ballantine | $212 | State Farm | $118 |
| Basin | $191 | State Farm | $117 |
| Bearcreek | $209 | State Farm | $117 |
| Belfry | $210 | State Farm | $117 |
| Belgrade | $190 | State Farm | $118 |
| Belt | $206 | State Farm | $127 |
| Biddle | $214 | State Farm | $117 |
| Big Arm | $210 | State Farm | $129 |
| Big Sandy | $212 | State Farm | $124 |
| Big Sky | $196 | State Farm | $118 |
| Big Timber | $207 | State Farm | $117 |
| Bigfork | $215 | State Farm | $135 |
| Bighorn | $208 | State Farm | $117 |
| Birney | $210 | State Farm | $117 |
| Black Eagle | $202 | State Farm | $130 |
| Bloomfield | $204 | State Farm | $114 |
| Bonner | $187 | State Farm | $115 |
| Bonner-West Riverside | $180 | State Farm | $111 |
| Boulder | $187 | State Farm | $117 |
| Box Elder | $212 | State Farm | $121 |
| Boyd | $211 | State Farm | $117 |
| Boyes | $208 | State Farm | $117 |
| Brady | $203 | State Farm | $117 |
| Bridger | $211 | State Farm | $125 |
| Broadus | $217 | State Farm | $133 |
| Broadview | $211 | State Farm | $118 |
| Brockton | $208 | State Farm | $117 |
| Brockway | $202 | State Farm | $117 |
| Browning | $215 | State Farm | $133 |
| Brusett | $214 | State Farm | $117 |
| Buffalo | $207 | State Farm | $117 |
Best car insurance in Montana: State Farm
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Full coverage rate$120/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Montana based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Montana
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest MT auto insurance quotes after a speeding ticket: State Farm
State Farm has the cheapest quotes for drivers in Montana with a recent speeding ticket. A full coverage policy from State Farm costs $127 per month after a single ticket. That's less than half the Montana state average.
Affordable car insurance quotes in MT after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $127 |
| Geico | $255 |
| Allstate | $255 |
| Nationwide | $300 |
| USAA* | $136 |
*USAA is only available to current and former military members and their families.
On average, Montana drivers see their insurance go up by 27% after a single speeding ticket.
In Montana, your insurance rates will usually go up for three years after a ticket or accident. Insurance companies typically charge higher rates for drivers with speeding tickets because they tend to be more likely to cause accidents in the future.
Affordable insurance in Montana after an accident: State Farm
State Farm has the cheapest quotes in Montana for drivers with an at-fault accident on their record. A full coverage policy from State Farm costs just $120 per month after an accident, which is $190 per month less than the state average.
Cheapest rates in Montana after an accident
Company | Monthly rate |
|---|---|
| State Farm | $120 |
| Geico | $339 |
| Nationwide | $360 |
| Allstate | $362 |
| USAA* | $137 |
*USAA is only available to current and former military members and their families.
On average, insurance quotes in Montana go up by 47% after an accident.
Don't start shopping for a new policy right after an accident. Your rates with your current company won't go up until your policy renews. However, any quotes you get will probably be higher than what you're currently paying, because they'll factor in your accident.
Instead, wait until you get your renewal offer in the mail. It should come a few weeks to one month before your policy expires. That gives you plenty of time to compare quotes and find the best accident rates for you.
Best cheap auto insurance in Montana for teens: State Farm
State Farm has the cheapest quotes in Montana for young drivers.
- Minimum coverage: State Farm charges only $83 per month for minimum liability coverage for 18-year-old drivers in Montana. That's around half the state average.
- Full coverage: State Farm also has the best prices for full coverage, at $335 per month.
Cheapest Montana auto insurance quotes for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $83 | $335 |
| Geico | $119 | $638 |
| Progressive | $159 | $700 |
| Allstate | $174 | $463 |
| USAA* | $80 | $319 |
*USAA is only available to current and former military members and their families.
On average, an 18-year-old driver in Montana pays $160 per month for minimum liability coverage. That's triple the cost for 30-year-old drivers.
Insurance companies charge teen drivers more because younger people tend to get in more accidents and file more insurance claims compared to older drivers.
The easiest, most effective way for most teen drivers to lower their car insurance rates is to share a policy with an older adult, like a parent or sibling.
Many companies also have discounts geared toward young drivers. For example, State Farm offers the Steer Clear program, where young drivers can save by taking online courses and practicing with a mentor.
Best Montana auto insurance rates for teens after a ticket or accident: State Farm
State Farm has the cheapest rates for teen drivers after a speeding ticket or accident. At State Farm, young drivers pay around $92 per month for minimum coverage insurance after a ticket, and $83 after an accident. That's about half the average cost in Montana.
Cheapest MT car insurance for teens with a bad driving record
Company | Ticket | Accident |
|---|---|---|
| State Farm | $92 | $83 |
| Geico | $139 | $160 |
| Progressive | $173 | $184 |
| Allstate | $189 | $290 |
| USAA* | $93 | $96 |
*USAA is only available to current and former military members and their families.
Teen drivers can save money after a speeding ticket by getting as many discounts as possible. Many insurance companies offer discounts to young drivers for taking a driver safety course or having a high GPA in high school or college.
Cheap auto insurance in Montana after a DUI: State Farm
State Farm has the most affordable insurance quotes for Montana drivers with a DUI. At $247 per month, full coverage from State Farm costs about one-third less than the state average.
Low-cost car insurance in Montana after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $247 |
| Progressive | $287 |
| Allstate | $328 |
| Farmers | $469 |
| USAA* | $202 |
*USAA is only available to current and former military members and their families.
Driving under the influence (DUI) is a serious offense, and car insurance companies almost always increase your rates after you get a DUI. The average cost of a full coverage policy after one DUI in Montana is $378 per month. That's $167 per month more than drivers with a clean record pay for the same coverage.
Montana drivers with a DUI may need SR-22 insurance.
Insurance companies typically charge a one-time fee between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase in your insurance rates. It also means the DMV will know right away if your policy ends, so don't accidentally let your policy expire — if that happens, your car registration will lapse and you could lose your license.
Cheapest MT car insurance rates for drivers with poor credit: Geico
Geico has the best car insurance rates for Montana drivers with poor credit. At $283 per month, Geico is $115 per month cheaper than the Montana state average.
Affordable quotes for people with poor credit in Montana
Company | Monthly rate |
|---|---|
| Geico | $283 |
| Nationwide | $334 |
| Allstate | $357 |
| Progressive | $386 |
| USAA* | $211 |
*USAA is only available to current and former military members and their families.
Montana drivers with poor credit pay close to twice as much for full coverage as those with good credit scores, on average. That's because insurance companies believe drivers with a poor credit score are more likely to make a claim in the future.
Is your car insurance company raising rates in Montana in 2026?
A few major car insurance companies have raised their rates in Montana in 2026.
- ↑ Biggest increase: Farm Bureau at +7.7%
- ↑ 2nd biggest increase: American Family at +3.2%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Farm Bureau | ↑ 7.7% | ↑ 38.4% |
| American Family | ↑ 3.2% | ↑ 60.3% |
| Farmers | ↑ 1.6% | ↑ 18.9% |
| Travelers | 0.0% | ↑ 40.0% |
| State Farm | 0.0% | ↑ 31.0% |
| USAA | 0.0% | ↑ 28.0% |
| Allstate | 0.0% | ↑ 22.1% |
| Progressive | 0.0% | ↑ 12.0% |
| AAA | 0.0% | ↑ 2.3% |
| Geico | ↓ 0.2% | ↑ 26.4% |
| Liberty Mutual | ↓ 0.3% | ↑ 22.6% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Montana
If your car insurance bill went up in Montana, there are a few things you can do to lower your rates.
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Shop around for quotes from the cheapest companies in Montana, including State Farm, Geico and Nationwide.
The most expensive company for full coverage insurance in Montana costs nearly three times as much as the cheapest company. That could amount to a savings of more than $2,800 per year.
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Look for a company with lots of discounts you qualify for. Most companies offer discounts for bundling your home insurance or having a clean driving record, which can save you a lot of money.
But some companies also offer more uncommon discounts. For instance, State Farm offers a discount for teens who take its online safety course and practice with an older driver.
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Sign up for a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your car. You could earn a sizable discount by practicing safe habits, like staying under the speed limit and off your phone.
For example, you can save up to 30% with State Farm Drive Safe & Save and 40% with Nationwide SmartRide. Just be careful because other companies, such as Geico, might raise your rates if you have bad driving habits.
Montana car insurance requirements
Montana requires drivers to have a minimum amount of liability insurance coverage to avoid penalties, which is sometimes written as 25/50/20.
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident
- Property damage liability (PD): $20,000 per accident
Montana doesn’t require uninsured motorist coverage. However, insurance companies must offer it as part of liability coverage. Drivers have the option of declining uninsured motorist coverage.
If you drive without insurance in Montana, you can be convicted of a misdemeanor. The penalties include a heavy fine and imprisonment — even on the first offense — as well as license and registration suspensions.
Potential fines and penalties for driving without insurance in MontanaFirst offense:
- Fine: $250 to $500, $35 court surcharge
- Imprisonment: Up to 10 days in jail
Second offense:
- Fine: $350, $35 court surcharge
- Imprisonment: Up to 10 days in jail
- Driving privileges: Car registration suspended for 90 days with a $10 reinstatement fee
Third offense:
- Fine: $500, $35 court surcharge
- Imprisonment: Up to six months in jail
- Driving privileges: Car registration suspended for 180 days with a $10 reinstatement fee
Fourth and subsequent offenses:
- Fine: $500, $35 court surcharge
- Imprisonment: Up to six months in jail
- Driving privileges: Car registration suspended for 180 days with a $10 reinstatement fee, driver's license suspended with $100 reinstatement fee
- Other penalties: Your insurance company must file a SR-22 certificate on your behalf
What's the best car insurance coverage for Montana drivers?
Most drivers should consider buying a full coverage auto insurance policy rather than minimum coverage.
That's because minimum coverage has low liability limits and no comprehensive or collision coverage. That means you won't have any protection for your own car and will usually end up paying more if you cause an accident.
For example, if you cause a serious accident with a brand-new car, $20,000 of property damage liability probably won't be enough to replace the other driver's vehicle. So if you have minimum liability coverage, you'll need to pay the difference yourself, as well as the cost of fixing your own car.
In addition to liability coverage, full coverage policies pay for your car’s damage in accidents you cause, along with things outside of your control, like hail and vandalism.
Lenders typically require you to have a full coverage policy with collision and comprehensive coverage if you have a car loan or lease. You should also consider adding these coverages if your car is less than 8 years old or worth more than $5,000.
Frequently asked questions
What is the cheapest auto insurance in Montana?
In 2026, State Farm has the cheapest auto insurance in Montana. The company charges an average of $120 per month for a full coverage policy and $25 per month for a minimum liability policy. Those are around half the state averages of $211 and $52 per month.
Consider Geico if you have a poor credit score.
How much is car insurance in Montana?
The average cost of car insurance in Montana is $211 per month for full coverage — $3 per month more than the national average. That's partially because Montana has a much higher rate of alcohol-related driving deaths than the national average.
What is the best car insurance in Montana?
USAA is the best-rated car insurance company in Montana due to its cheap rates and excellent customer service. However, only military members, veterans and their families can get USAA car insurance. State Farm is the best choice for drivers who aren't eligible for USAA.
How much is car insurance in Billings, MT?
A full coverage policy costs $209 per month in Billings, which is $2 per month less than the Montana state average. In comparison, car insurance in Missoula, MT, costs an average of $182 per month, and people living in Bozeman pay an average of $192 per month.
What car insurance is required in Montana?
Drivers in Montana must buy insurance with at least 25/50/20 of liability coverage. That means you'll need $25,000 of bodily injury liability coverage per person and $50,000 per accident, along with $20,000 of property damage liability coverage per accident.
Methodology
ValuePenguin experts collected thousands of quotes from cities across Montana for the state's largest insurance companies. Quotes are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Quotes are for a full coverage policy with comprehensive and collision, and liability limits higher than state minimums.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Rate data for this study was collected from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes will differ.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Montana Commissioner of Securities and Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
