Cheapest Car Insurance Montana

The cost of car insurance in Montana is slightly above the national average. But that doesn’t mean you can’t find great car insurance at excellent rates in the Treasure State. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.

Cheapest Car Insurance Companies in Montana

State Farm, USAA, Progressive, Mountain West Farm Bureau and Geico are the cheapest car insurance companies in Montana. You can find the overall and cost ratings for these providers below.

Top Montana Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts	Learn More
State Farm Learn More	9.4	16	10.0	Learn More
USAA Learn More	9.2	9	9.4	Learn More
Progressive Learn More	9.0	13	9.0	Learn More
Mountain West Farm Bureau	7.7	N/A	8.5
Geico Learn More	9.1	16	16	Learn More

Top Montana Car Insurance Companies	Overall Rating	Cost Rating	# of Discounts	Learn More
State Farm Learn More	9.4	16	10.0	Learn More
USAA Learn More	9.2	9	9.4	Learn More
Progressive Learn More	9.0	13	9.0	Learn More
Mountain West Farm Bureau	7.7	N/A	8.5
Geico Learn More	9.1	16	16	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Montana.

Car insurance companies have different calculation methods for premiums, which means no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Montana.

Cheapest Car Insurance Coverage in Montana

Coverage level has a major impact on rates. Many car insurance quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Georgia for both coverage types.

Cheapest Liability Car Insurance Montana

At $15 per month or $175 per year, USAA provides the cheapest liability car insurance in Montana. Progressive and Geico also offer affordable coverage for drivers. Below is the complete list of cheap liability coverage options in Montana.

Cheapest Full Coverage Car Insurance Montana

Progressive tends to offer the cheapest full coverage car insurance in Montana, costing $81 per month or $972 per year. Montana motorists can also find cheap coverage through USAA and QBE Insurance Group. We highlight the complete list of cheapest full coverage options for auto insurance in Montana below.

*These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Several factors impact the cost of car insurance in Montana, including a driver’s age, driving history and credit scores. Below we compare the cheapest car insurance estimates for Montana drivers in these categories.

Cheapest Car Insurance for Young Drivers in Montana

Young drivers pay more for car insurance coverage than older adults because they lack driving experience. The tables below show the cheapest car insurance for young drivers in Montana, along with estimated monthly and annual costs.

Cheapest Montana Car Insurance for 16-Year-Olds

Montana car insurance for 16-year-olds can be very expensive, but it shouldn’t have to cost over $7,000 for full coverage. Nationwide typically offers the cheapest coverage for 16-year-old Montana drivers, for an average of $4,194 per year or $350 per month.

Cheapest Montana Car Insurance for 17-Year-Olds

It’s still pricey to insure 17-year-old drivers, but prices drop considerably compared to 16-year-olds. These Montana motorists spend an average of $2,719 annually or $227 monthly to gain full coverage car insurance through QBE Insurance Group.

*Costs were taken from 2022 information.

Cheapest Montana Car Insurance for 18-Year-Olds

The cheapest car insurance in Montana for 18-year-olds can generally be found through QBE Insurance Group, which offers full coverage insurance at an average rate of $2,409 per year or $201 per month.

*Costs were taken from 2022 information.

Cheapest Montana Car Insurance for 21-Year-Olds

Average insurance prices decrease considerably as motorists reach the age of 21. USAA offers an average rate of $1,304 annually or $109 monthly for 21-year-old drivers in the Treasure State.

*Costs were taken from 2022 information.

Cheapest Montana Car Insurance for 25-Year-Olds

USAA continues to offer the most reasonable average prices for 25-year-old drivers in Big Sky Country. The cheapest car insurance in Montana for those of this age group is $1,109 per year or $92 per month on average.

Cheapest Montana Car Insurance for High-risk Drivers

High-risk drivers who have had a speeding ticket, DUI or recent accident can pay substantially more for auto insurance. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into these categories.

Cheapest Montana Car Insurance for Drivers With a Speeding Ticket

Motorists looking for the cheapest car insurance in Montana after being pulled over for speeding should look to USAA, which offers full coverage for an average of $1,229 per year or $102 per month.

Cheapest Montana Car Insurance for Drivers With a Recent Accident

Having an at-fault accident in your driving history can drastically increase your auto insurance rates. Motorists in this situation may find cheap premiums from USAA, which charges an average of $1,434 per year or $120 per month for full coverage.

Cheapest Montana Car Insurance for Drivers With a DUI

A DUI violation is one of the quickest ways to end up with steep car insurance premiums. Those with a DUI on their driving record pay an average of $1,109 per year or $92 per month when they opt for Progressive.

Cheapest Montana Car Insurance for Drivers With Poor Credit

In Montana, a poor credit score can cause your car insurance rate to skyrocket. Drivers with poor credit can often find the cheapest coverage through Progressive, with average rates of $1,684 per year or $140 per month.

Car Insurance Deals in Montana

Most car insurance companies offer a wide variety of car insurance discounts and deals for drivers in Montana. The table below shows a comparison of the car insurance discounts that the best cheap car insurance companies provide, which we’ll explain in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Montana

Motorists in Montana can take advantage of discount offerings in order to save on their car insurance. Depending on your driving profile, you may qualify for a number of car insurance discounts. It’s important to consider which discounts each provider offers as you shop for plans, however, it’s not wise to make your decision solely based on discounts.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Bundle two or more insurance policies with the same company
• Multi-vehicle: Save by insuring multiple cars under the same policy or combining auto insurance policies
• Military: Applies for both veterans and active members of the military
• Senior: Typically applies to policyholders who are 55 and older
• Homeowners: If you own a home, you may qualify for this discount
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record, meaning no at-fault accidents, DUIs, or speeding tickets in the last three years
• Defensive driving: Take a defensive driving course to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Save on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Treasure State, the sections below contain more detailed information.

The average cost of car insurance in Montana comes out to $1,9379 per year or $165 per month for full coverage. That’s about 1% lower than the national average of $2,008 per year or $167 per month.

It costs an average of $398 per year or $33 per month for minimum coverage car insurance in Montana. This rate is 58% lower than the national average of $627 per year or $52 per month.

Montana Car Insurance Cost by Age

Car insurance rates in Montana can vary significantly based on your age. While 30-year-olds pay an average of $2,009 per year for full coverage car insurance, 16-year-olds may get charged a much higher average of $7,394 annually.

Montana Car Insurance Cost by City

Drivers in the Flathead Valley and the eastern half of Montana typically pay the most for auto coverage. Those in major cities such as Helena, Missoula and Bozeman actually pay some of the lowest average costs in Montana.

*Average rates above apply to the top three companies in each city.

Factors That Affect Montana Auto Insurance Rates

The amount that you pay for a car insurance policy depends on several personalized factors.

Rates for the cheapest car insurance in Montana are largely determined by the factors below:

• Location: Drivers in more populous and fast-growing areas may get charged higher rates than those elsewhere in Montana.
• Age: Car insurance policies for young drivers and teenage drivers tend to be more expensive.
• Driving history: Those with a clean driving record pay far less on average than those with a record for driving under the influence (DUI), an at-fault accident or a speeding violation.
• Credit history: Bad credit scores make it much more difficult to find cheap car insurance in Montana.
• Gender: Male drivers usually pay slightly more than female motorists during their younger years.
• Marital status: Single drivers get charged higher prices for coverage than married drivers, on average.
• Vehicle: The make, model, age and mileage of your car can affect your rates.
• Deductible: Higher deductibles lead to lower premiums, though you’ll pay more in the event of an at-fault accident.

Those hunting for the cheapest car insurance in Montana should compare quotes from multiple companies. This gives you the chance to uncover potential deals that could lower how much you spend on auto insurance.

All Montana residents must meet the minimum coverage limits mandated by state insurance laws. In Montana, state law requires drivers to carry the following:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $20,000 per accident

Montana is an at-fault state, meaning that whoever causes an accident must pay for all damages from it. This system of insurance protection typically comes with lower rates than what you will find in no-fault states.

Additional Coverage Types

While Montana has simple state minimum coverage standards, these don’t offer much protection in the event of an at-fault accident. It might be smart to add the following types of insurance to your policy:

• Collision insurance: covers damage to your vehicle after an accident
• Comprehensive insurance: protects your car if it’s damaged by theft, vandalism or extreme weather conditions
• Uninsured motorist coverage: pays for damages caused by drivers who don’t have adequate insurance
• Medical payments (MedPay) coverage: takes care of certain medical bills you may face after an accident, regardless of fault

Lenders often require that drivers maintain collision and comprehensive coverage on their cars, so make sure to read your contract carefully.

Renters and homeowners should consider bundling home insurance policies with their auto coverage. Doing so could provide discounts for both plans.

How To Get Car Insurance in Montana

Another great way to find impressive coverage is by comparing car insurance quotes from multiple providers. That way, you’ll be able to figure out what a competitive rate could look like for your vehicle.

Consider State Farm, USAA, Progressive, Mountain West Farm Bureau and Geico when looking for the cheapest car insurance in Montana. Each provider is known to offer cost-effective auto coverage to Treasure State drivers.

Cheapest Car Insurance in Montana: FAQ

Below are frequently asked questions about the cheapest car insurance in Montana.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.