Cheapest Car Insurance Quotes in Montana (2024)
State Farm has the best cheap car insurance in Montana, at $141 per month for full coverage.
Find Cheap Car Insurance Quotes in Montana
Best cheap car insurance companies in Montana
| 100,000 + quotes for accurate rates |
| 5 top companies in the state |
| 373 ZIP codes across Montana |
ValuePenguin's insurance experts use data to help find the best insurance company for you. We don't make money by promoting any specific companies. Instead, our analysis is to help you comparison shop. Full methodology.
| Best and cheapest car insurance in Montana |
- Cheapest full coverage: State Farm, $141/mo
- Cheapest minimum liability: Geico, $36/mo
- Cheapest for young drivers: Geico, $121/mo
- Cheapest after a ticket: State Farm, $156/mo
- Cheapest after an accident: State Farm, $199/mo
- Cheapest for teens after a ticket: Geico, $141/mo
- Cheapest after a DUI: State Farm, $157/mo
- Cheapest for poor credit: Geico, $244/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Montana. Geico also has affordable rates for most drivers. But its customer service isn't as good as State Farm's.
All of the top companies in Montana offer online quotes, which makes it easy to quickly compare rates and find the cheapest policy for you.
Cheapest car insurance in Montana: State Farm
State Farm offers the best cheap full coverage insurance quotes in Montana. A policy from State Farm costs $141 per month, which is 22% cheaper than the state average.
The average cost of car insurance in Montana is $181 per month for full coverage.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest full coverage car insurance in Montana
Company | Monthly rate | |
|---|---|---|
| State Farm | $141 |
| Geico | $171 |
| Progressive | $200 |
| Farmers | $322 |
| USAA* | $72 |
*USAA is only available to current and former military members and their families.
In Montana, full coverage insurance is $133 more per month than a minimum coverage policy.
Cheapest liability insurance quotes in Montana: Geico
Geico has the cheapest liability car insurance in Montana. At $36 per month, coverage from Geico is 25% cheaper than the state average.
The average cost of car insurance in Montana is $48 per month, or $574 per year, for minimum liability.
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 71% less than the state average.
Cheap minimum coverage car insurance in Montana
Company | Monthly rate |
|---|---|
| Geico | $36 |
| State Farm | $50 |
| Progressive | $53 |
| Farmers | $86 |
| USAA* | $14 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Montana
Best cheap car insurance for young drivers in Montana: Geico
Geico is the best cheap insurance company in Montana for young drivers.
Geico charges only $121 per month for minimum coverage for 18-year-old drivers. That's 19% below the state average.
Meanwhile, State Farm has the best prices for full coverage, averaging $388 per month.
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $121 | $547 |
| Progressive | $138 | $553 |
| State Farm | $144 | $388 |
| Farmers | $294 | $898 |
| USAA | $47 | $202 |
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 $149 per month for minimum liability coverage. That's more than triple 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 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 $156 per month, which is 33% less than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $156 |
| Geico | $220 |
| Progressive | $264 |
| Farmers | $433 |
| USAA | $94 |
Insurance companies charge higher rates for drivers with speeding tickets because they tend to be more likely to be involved in an accident in the future. On average, Montana drivers can expect their insurance to go up by 29% after a single speeding ticket.
However, some insurance companies raise rates more than others. Drivers insured with State Farm only see a 10% increase, while Farmers raises rates by 35%.
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 average rate only increases by 40% to $199 per month for a full coverage policy.
On average, insurance quotes in Montana go up by 47% after an accident.
Company | Monthly rate |
|---|---|
| State Farm | $199 |
| Geico | $292 |
| Progressive | $305 |
| Farmers | $438 |
| USAA | $95 |
Cheapest car insurance in MT for young drivers after a ticket or accident: Geico
Geico has the cheapest rates for teen drivers after a speeding ticket or accident. At Geico, you'll pay around $141 per month for minimum coverage insurance after a ticket, and $162 after an accident. That's around 20% cheaper than the average cost in Montana.
Company | Ticket | Accident |
|---|---|---|
| Geico | $141 | $162 |
| Progressive | $154 | $164 |
| State Farm | $166 | $236 |
| Farmers | $364 | $364 |
| USAA | $55 | $56 |
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 or having a high GPA in high school or college.
Car accidents typically result in higher auto insurance quotes for all drivers. On average, 18-year-old drivers in Montana pay 32% more for car insurance after a crash.
Cheap car insurance companies in Montana after a DUI: State Farm
State Farm has the most affordable full coverage insurance quotes for Montana drivers with a DUI, with an average price of $157 per month.
Company | Monthly rate |
|---|---|
| State Farm | $157 |
| Progressive | $234 |
| Farmers | $422 |
| Geico | $542 |
| USAA | $139 |
Driving under the influence 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 is $299 per month, a 65% increase compared to a clean record.
Drivers with a DUI conviction are often required to get an SR-22 proof of insurance filing from their insurance company.
Cheapest car insurance for drivers with poor credit: Geico
At $244 per month, Geico has the best car insurance rate for Montana drivers with poor credit. It's $69 cheaper per month than the second-cheapest option, Progressive.
Company | Monthly rate |
|---|---|
| Geico | $244 |
| Progressive | $313 |
| State Farm | $347 |
| Farmers | $497 |
| USAA | $146 |
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 71% more on average than those with good credit scores.
Best Montana auto insurance companies
USAA has the best car insurance in Montana. It offers an excellent combination of dependable customer service and cheap rates.
USAA has an excellent rating, 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 has a great rating from our editors.
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 | |
| Progressive | 819 | 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 Wise River, where the average price is $160 per month for full coverage.
Drivers in Wyola, a small town near the Wyoming border, pay the highest average rate in the state, at $199 per month.
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.
The difference in price between the cheapest and most expensive cities is only $39 per month.
City | Monthly rate | % from average |
|---|---|---|
| Absarokee | $183 | 1% |
| Acton | $181 | 0% |
| Alberton | $167 | -8% |
| Alder | $169 | -7% |
| Alzada | $182 | 0% |
Montana insurance laws: Minimum coverage requirements
Montana requires drivers to have 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. And low liability limits mean you may have to pay out of pocket if you cause a serious accident.
What's the best car insurance coverage for Montana drivers?
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.
Most drivers should consider buying a full coverage auto insurance policy rather than minimum coverage. This is especially true for drivers with a car less than 8 years old or worth more than $5,000.
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.
Frequently asked questions
What is the average cost of auto insurance in Montana?
The average cost of car insurance in Montana is $48 per month for a minimum coverage policy. A full coverage policy costs $181 per month, on average.
Who has the best cheap car insurance in Montana?
Geico offers the cheapest car insurance quotes in Montana. Minimum coverage insurance from Geico costs $36 per month. State Farm has the cheapest full coverage, at $141 per month.
How much is car insurance in Missoula, MT?
A full coverage policy costs $162 per month in Missoula, which is 11% less than the Montana state average. In comparison, drivers in Billings pay $180 per month, and people living in Bozeman pay an average of $167 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 16th-cheapest state for minimum coverage. The cost of full coverage insurance in Montana is about average — its rate of $181 per month is about 10% higher than the national average of $165.
Methodology
ValuePenguin experts collected thousands of quotes from cities 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.
Quotes are based on a full coverage policy and clean driving record unless otherwise noted. Full coverage auto insurance quotes include 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: $25,000 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 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.