Best Cheap Car Insurance Quotes in Montana (2023)
Best Cheap Car Insurance Quotes in Montana (2023)
State Farm has the best cheap car insurance in Montana, at $20 per month for minimum liability quotes.
Best cheap insurance in Montana
To help drivers find the best cheap car insurance in Montana, our editorial team analyzed rates from top companies in each ZIP code across the state. Quotes for minimum coverage meet the MT state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $20,000 in property damage coverage. Quotes for full coverage insurance include collision and comprehensive protection, in addition to higher liability limits than state minimums.
Additionally, we rated the best Montana auto insurance companies based on the cost of coverage for different drivers, customer service ratings, coverage availability and convenience.
Cheapest car insurance quotes in Montana: State Farm
State Farm has the cheapest liability car insurance in Montana. At $20 per month, coverage from State Farm is 47% cheaper than the state average.
The average cost of car insurance in Montana is $37 per month, or $448 per year, for minimum liability.
Find Cheap Auto Insurance Quotes in Montana
Military veterans, active-duty service members and their families can find even cheaper quotes at USAA. USAA's average monthly rate is $14 per month, which is $6 less per month than State Farm.
Cheapest minimum coverage car insurance in Montana
Company | Monthly rate | |
|---|---|---|
| State Farm | $20 |
| Progressive | $21 |
| Geico | $27 |
| Allstate | $70 |
| Farmers | $72 |
*USAA is only available to current and former military members and their families.
Cheap quotes make minimum-coverage insurance an attractive choice. However, 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.
We recommend most drivers buy a full coverage auto insurance policy rather than a minimum coverage policy. This is especially true for drivers with a car less than 10 years old or worth more than $3,000.
Cheap full coverage car insurance in Montana: State Farm
State Farm offers the best cheap full coverage insurance quotes in Montana. A policy from State Farm costs $76 per month, which is 48% cheaper than the state average.
The average cost of full coverage auto insurance in Montana is $146 per month, or $1,756 per year.
Cheapest full coverage car insurance in Montana
Company | Monthly rate |
|---|---|
| State Farm | $76 |
| Progressive | $84 |
| Geico | $150 |
| Allstate | $196 |
| Farmers | $299 |
*USAA is only available to current and former military members and their families.
In Montana, full coverage insurance is $109 more per month than a minimum coverage policy. State Farm's full coverage policy is only $56 more per month than its minimum liability coverage.
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.
Cheap MT car insurance for drivers with prior incidents
State Farm has the cheapest full coverage car insurance rates for drivers with tickets or accidents on their record.
Insurance companies base your rates on several factors, including your driving history and credit score. Incidents like traffic tickets or at-fault accidents usually cause your rates to rise.
Cheapest car insurance 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 $81 per month, which is 56% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $81 |
| Progressive | $106 |
| Geico | $193 |
| Allstate | $219 |
| Farmers | $416 |
Insurance companies charge higher rates for drivers with speeding tickets because they’re more likely to be involved in an accident in the future. On average, Montana drivers can expect their insurance to go up by 26% after a single speeding ticket.
However, some insurance companies raise rates more than others. Drivers insured with State Farm only see a 7% increase, while Farmers raises rates by 39%.
Cheapest car insurance quotes in Montana after an accident: State Farm
State Farm also has the cheapest quotes for drivers with an at-fault accident on their record. State Farm's rates only increased by 13% to $86 per month for a full coverage policy.
On average, insurance quotes in Montana go up by 45% after an accident.
Company | Monthly rate |
|---|---|
| State Farm | $86 |
| Progressive | $125 |
| Geico | $256 |
| Allstate | $292 |
| Farmers | $421 |
Cheapest car insurance quotes after a DUI: Progressive
Progressive has the most affordable full coverage insurance quotes for Montana drivers with a DUI at $95 per month.
Company | Monthly rate |
|---|---|
| Progressive | $95 |
| State Farm | $152 |
| Allstate | $265 |
| Farmers | $404 |
| Geico | $476 |
Driving under the influence is a serious offense, and car insurance companies tend to increase your rates significantly if you get a DUI. The average cost of a full coverage policy after one DUI is $255 per month, a 75% increase.
Drivers convicted of a DUI are often required to get an SR-22 proof of insurance from their insurance company.
Cheapest car insurance for drivers with poor credit: Progressive
At $144 per month, Progressive has the best car insurance rates for Montana drivers with poor credit.
Company | Monthly rate |
|---|---|
| Progressive | $144 |
| State Farm | $156 |
| Geico | $214 |
| Allstate | $316 |
| Farmers | $466 |
Insurance companies consider your credit score when determining your insurance quotes because they've found that drivers with bad credit tend to file more claims. Montana drivers with poor credit pay 64% more on average than those with good credit scores.
Cheapest car insurance for young drivers in Montana: State Farm
State Farm is the best cheap insurance company in Montana for young drivers.
State Farm charges only $56 per month for minimum coverage for 18-year-old drivers and $187 per month for full coverage. Both quotes are 58% less than the state average.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $56 | $187 |
| Progressive | $79 | $240 |
| Geico | $91 | $481 |
| Allstate | $242 | $705 |
| Farmers | $292 | $864 |
Insurance companies charge teen drivers more because they've found younger people get in more accidents and make more insurance claims.
On average, an 18-year-old driver in Montana pays $135 per month for minimum liability coverage. That's over two and a half times more than the cost for 30-year-old 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.
Cheapest car insurance in MT for young drivers after a ticket: State Farm
State Farm has the cheapest rates for teen drivers with a speeding ticket. At State Farm, you'll pay around $62 per month for minimum coverage insurance. That's 61% cheaper than the average cost in Montana, which is $157 per month.
Company | Monthly rate |
|---|---|
| State Farm | $62 |
| Progressive | $85 |
| Geico | $107 |
| Allstate | $281 |
| Farmers | $353 |
Teen drivers can save money after a speeding ticket by taking advantage of as many discounts as possible. Many insurance companies offer discounts to young drivers for taking a driver safety course and maintaining a high GPA in high school or college.
Cheapest car insurance for young drivers after an accident: State Farm
State Farm has the most affordable rates for young drivers in Montana who have been in an at-fault accident. A minimum coverage policy from State Farm costs $68 per month, which is 60% cheaper than average.
Company | Monthly rate |
|---|---|
| State Farm | $68 |
| Progressive | $90 |
| Geico | $123 |
| Allstate | $322 |
| Farmers | $353 |
Car accidents typically result in higher auto insurance quotes. On average, 18-year-old drivers in Montana pay 25% more for car insurance than those with a clean record.
Best Montana auto insurance companies
USAA is our pick for best car insurance in Montana — it offers a good combination of dependable customer service and cheap rates.
USAA received an excellent rating from our editors, top financial stability marks and the highest score on J.D. Power's annual claims satisfaction study. However, only military members, veterans and their families can buy USAA car insurance.
Drivers who are not eligible for USAA should consider State Farm. The company also received a great rating from our editors, and its A++ financial rating from AM Best means it has a superior ability to pay out claims, even in difficult economic times.
Best-rated car insurance in Montana
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Allstate | 824 | A+ |
Montana drivers should always consider customer service reviews when shopping for car insurance.
A company with good customer service is more likely to help you get back on the road quickly after an accident. Companies with poor customer service reputations may take longer to process your claim, and you could end up paying more out of pocket.
Average cost of auto insurance in Montana by city
The cheapest car insurance in Montana can be found in Fort Harrison. Drivers in Wyola pay the highest rates in the state.
Where you live can affect the cost of your car insurance as much as your driving habits. However, insurance rates in Montana don't vary much by city.
Drivers in Fort Harrison, a Helena suburb, can expect to pay $136 per month for a full coverage policy. People living in Wyola, a rural area just north of the Wyoming border, pay around $161 per month for the same coverage. That's a difference of only $25 per month.
City | Average monthly cost | Percent from average |
|---|---|---|
| Absarokee | $152 | 4% |
| Acton | $152 | 4% |
| Alberton | $142 | -3% |
| Alder | $142 | -3% |
| Alzada | $150 | 2% |
Montana insurance laws: Minimum coverage requirements
Montana requires drivers to purchase a minimum amount of bodily injury and property damage liability insurance coverage, which is sometimes written as 25/50/20.
Coverage | Limit |
|---|---|
| Bodily injury (BI) | $25,000 per person and $50,000 per accident |
| Property damage (PD) | $20,000 per accident |
Montana doesn’t require uninsured motorist coverage. However, insurance companies are required to offer it as part of liability coverage. Drivers have the option of declining uninsured motorist coverage.
While these limits fulfill the minimum amount of insurance coverage you can legally have, most drivers should consider a more comprehensive policy. That's because minimum coverage in Montana doesn't include any protection for your own car, or injuries to you and your passengers. Additionally, low liability limits mean you may have to pay out of pocket if you cause a serious accident.
Frequently asked questions
What is the average cost of auto insurance in Montana?
The average cost of car insurance in Montana is $37 per month for a minimum coverage policy. A full coverage policy costs $146 per month, on average.
Who has the best cheap car insurance in Montana?
State Farm offers the cheapest car insurance quotes in Montana. Minimum coverage insurance from State Farm costs $20 per month, while full coverage costs $76 per month.
How much is car insurance in Missoula, MT?
A full coverage policy costs $139 per month in Missoula, which is 5% less than the Montana state average. In comparison, drivers in Billings pay $150 per month, and people living in Bozeman pay an average of $140 per month.
Does Montana require car insurance?
Yes, drivers in Montana are required to buy insurance with at least 25/50/20 of liability coverage. That means you'll need $25,000 per person of bodily injury liability coverage and $50,000 per accident, along with $20,000 of property damage liability coverage per accident.
Is car insurance expensive in Montana?
Montana is not expensive for minimum liability coverage compared to other states. It ranks as the ninth cheapest state for minimum coverage. The cost of full coverage insurance in Montana is about average — it ranks 32nd in terms of cheapest states.
Methodology
We collected thousands of quotes from ZIP codes across Montana for the state's largest insurance companies. Quotes are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
All quotes are based on a full coverage policy and clean driving record unless otherwise noted. Full coverage auto insurance quotes include the following limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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 insurer filings and should be used for comparative purposes only — your own quotes will differ.
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.