State Farm offers the most affordable minimum coverage at just $19 monthly or $232 annually, $377 less than the state average. Rates are based on December 2024 data from Quadrant Information Services. Read our research methodology to learn how we found the cheapest Montana car insurance.
Cheapest Car Insurance in Montana (October 2025)
Updated: October 2, 2025
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Key Takeaways
Montana's cheapest car insurance companies are State Farm, GEICO, Farmers, Kemper and Nationwide.
State Farm offers the lowest monthly rates for car insurance: $19 for minimum coverage and $85 for full coverage.
Young drivers in Montana can get the cheapest coverage from State Farm at $36 monthly for a minimum coverage or $429 annually. This rate is 70% cheaper than state average.
What Is the Cheapest Car Insurance in Montana?
| State Farm | $19 | $85 | -38% | $-31 |
| Geico | $30 | $106 | -19% | $-16 |
| Farmers | $47 | $143 | 13% | $11 |
| Kemper | $58 | $125 | 9% | $8 |
| Nationwide | $58 | $113 | 3% | $2 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MONTANA
We've created additional guides below to help you in your search for the best and cheapest car insurance in Montana:
Cheapest Insurance Rates by Category in Montana for October 2025
Farm Bureau and Travelers dominate Montana's car insurance market, with each company offering the cheapest rates in four out of our 10 driver categories. Find your specific rates in the table:
| Young Drivers | State Farm | $36 |
| Adult Drivers | State Farm | $18 |
| Senior Drivers | State Farm | $21 |
| Drivers With An Accident | State Farm | $22 |
| Drivers With A DUI | State Farm | $21 |
| Drivers With A Speeding Ticket | State Farm | $21 |
| Drivers With Bad Credit | Kemper | $96 |
| Drivers With Low Income | Geico | $70 |
| Drivers With Newer Cars | State Farm | $23 |
| Drivers With Old Cars | State Farm | $16 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Montana by City
Where you live in Montana affects your car insurance costs based on local crime, accidents and traffic density. State Farm charges as little as $20 in Browning but $24 in Billings. Here are the cheapest providers for every Montana city:
Data filtered by:Results filtered by:
Select
City:
| Billings | State Farm | $24 | -43% | $-41 |
| Missoula | State Farm | $18 | -40% | $-32 |
| Great Falls | State Farm | $20 | -37% | $-32 |
| Bozeman | State Farm | $22 | -40% | $-33 |
| Helena | State Farm | $17 | -42% | $-33 |
| Kalispell | State Farm | $20 | -40% | $-36 |
| Belgrade | State Farm | $18 | -40% | $-32 |
| Havre | State Farm | $18 | -42% | $-35 |
| Whitefish | State Farm | $19 | -41% | $-36 |
| Miles City | State Farm | $18 | -42% | $-35 |
| Livingston | State Farm | $19 | -38% | $-31 |
| Laurel | State Farm | $18 | -44% | $-38 |
| Sidney | State Farm | $17 | -44% | $-37 |
| Columbia Falls | State Farm | $20 | -41% | $-36 |
| Lewistown | State Farm | $17 | -45% | $-37 |
| Polson | State Farm | $19 | -41% | $-35 |
| Hamilton | State Farm | $18 | -41% | $-32 |
| Glendive | State Farm | $16 | -47% | $-38 |
| Bigfork | State Farm | $21 | -38% | $-34 |
| Dillon | State Farm | $17 | -42% | $-33 |
| Hardin | State Farm | $17 | -47% | $-41 |
| Shelby | State Farm | $16 | -49% | $-42 |
| Glasgow | State Farm | $17 | -45% | $-39 |
| Deer Lodge | State Farm | $17 | -41% | $-32 |
| Cut Bank | State Farm | $18 | -47% | $-41 |
| Libby | State Farm | $20 | -39% | $-34 |
| Wolf Point | State Farm | $18 | -43% | $-37 |
| Conrad | State Farm | $16 | -48% | $-40 |
| Red Lodge | State Farm | $20 | -41% | $-36 |
| Ronan | State Farm | $19 | -41% | $-35 |
| Columbus | State Farm | $18 | -44% | $-39 |
| Colstrip | State Farm | $17 | -44% | $-36 |
| Three Forks | State Farm | $18 | -39% | $-31 |
| Malta | State Farm | $18 | -44% | $-39 |
| Eureka | State Farm | $20 | -39% | $-35 |
| Townsend | State Farm | $18 | -39% | $-32 |
| Baker | State Farm | $18 | -41% | $-34 |
| Big Timber | State Farm | $18 | -45% | $-39 |
| Thompson Falls | State Farm | $19 | -41% | $-36 |
| Forsyth | State Farm | $17 | -44% | $-36 |
| Roundup | State Farm | $18 | -44% | $-37 |
| Choteau | State Farm | $18 | -44% | $-37 |
| Plentywood | State Farm | $17 | -45% | $-37 |
| Fairfield | State Farm | $18 | -42% | $-35 |
| Boulder | State Farm | $18 | -40% | $-32 |
| Plains | State Farm | $20 | -38% | $-33 |
| Whitehall | State Farm | $18 | -41% | $-34 |
| Browning | State Farm | $20 | -42% | $-38 |
| Absarokee | State Farm | $18 | -44% | $-39 |
| Acton | State Farm | $18 | -46% | $-42 |
| Alberton | State Farm | $19 | -40% | $-33 |
| Alder | State Farm | $18 | -40% | $-33 |
| Alzada | State Farm | $18 | -45% | $-39 |
| Anaconda-Deer Lodge County | State Farm | $18 | -41% | $-33 |
| Angela | State Farm | $18 | -43% | $-36 |
| Antelope | State Farm | $18 | -42% | $-35 |
| Arlee | State Farm | $20 | -37% | $-32 |
| Ashland | State Farm | $18 | -44% | $-39 |
| Augusta | State Farm | $18 | -41% | $-34 |
| Avon | State Farm | $18 | -38% | $-30 |
| Babb | State Farm | $18 | -47% | $-42 |
| Bainville | State Farm | $18 | -43% | $-35 |
| Ballantine | State Farm | $18 | -44% | $-40 |
| Basin | State Farm | $18 | -42% | $-35 |
| Bearcreek | State Farm | $18 | -46% | $-41 |
| Belfry | State Farm | $18 | -46% | $-41 |
| Belt | State Farm | $20 | -41% | $-37 |
| Biddle | State Farm | $18 | -46% | $-40 |
| Big Arm | State Farm | $20 | -40% | $-35 |
| Bighorn | State Farm | $18 | -45% | $-39 |
| Big Sandy | State Farm | $19 | -42% | $-37 |
| Big Sky | State Farm | $18 | -40% | $-33 |
| Birney | State Farm | $18 | -46% | $-40 |
| Black Eagle | State Farm | $20 | -38% | $-34 |
| Bloomfield | State Farm | $17 | -45% | $-37 |
| Bonner | State Farm | $18 | -41% | $-33 |
| Box Elder | State Farm | $18 | -44% | $-39 |
| Boyd | State Farm | $18 | -46% | $-41 |
| Boyes | State Farm | $18 | -44% | $-38 |
| Brady | State Farm | $18 | -45% | $-39 |
| Bridger | State Farm | $19 | -42% | $-37 |
| Broadus | State Farm | $20 | -40% | $-35 |
| Broadview | State Farm | $18 | -44% | $-39 |
| Brockton | State Farm | $18 | -45% | $-39 |
| Brockway | State Farm | $18 | -43% | $-35 |
| Brusett | State Farm | $18 | -45% | $-39 |
| Buffalo | State Farm | $18 | -45% | $-38 |
| Busby | State Farm | $18 | -47% | $-43 |
| Butte | State Farm | $19 | -38% | $-31 |
| Bynum | State Farm | $18 | -45% | $-39 |
| Cameron | State Farm | $18 | -40% | $-32 |
| Canyon Creek | State Farm | $18 | -41% | $-33 |
| Capitol | State Farm | $18 | -47% | $-43 |
| Cardwell | State Farm | $18 | -39% | $-31 |
| Carter | State Farm | $18 | -43% | $-37 |
| Cascade | State Farm | $19 | -40% | $-33 |
| Charlo | State Farm | $19 | -40% | $-34 |
| Chester | State Farm | $17 | -48% | $-41 |
| Chinook | State Farm | $18 | -45% | $-39 |
| Circle | State Farm | $18 | -43% | $-36 |
| Clinton | State Farm | $17 | -42% | $-34 |
| Clyde Park | State Farm | $19 | -39% | $-32 |
| Coffee Creek | State Farm | $18 | -45% | $-38 |
| Cohagen | State Farm | $18 | -44% | $-37 |
| Condon | State Farm | $18 | -46% | $-39 |
| Conner | State Farm | $18 | -38% | $-30 |
| Cooke City | State Farm | $18 | -41% | $-34 |
| Coram | State Farm | $20 | -40% | $-35 |
| Corvallis | State Farm | $18 | -40% | $-32 |
| Crane | State Farm | $18 | -44% | $-38 |
| Crow Agency | State Farm | $18 | -48% | $-43 |
| Culbertson | State Farm | $18 | -42% | $-35 |
| Custer | State Farm | $18 | -42% | $-36 |
| Dagmar | State Farm | $18 | -42% | $-34 |
| Darby | State Farm | $18 | -39% | $-31 |
| Dayton | State Farm | $20 | -40% | $-36 |
| De Borgia | State Farm | $18 | -43% | $-37 |
| Decker | State Farm | $18 | -47% | $-41 |
| Dell | State Farm | $18 | -39% | $-31 |
| Denton | State Farm | $18 | -44% | $-37 |
| Divide | State Farm | $18 | -40% | $-32 |
| Dixon | State Farm | $20 | -37% | $-31 |
| Dodson | State Farm | $19 | -45% | $-41 |
| Drummond | State Farm | $18 | -41% | $-32 |
| Dupuyer | State Farm | $18 | -46% | $-41 |
| Dutton | State Farm | $18 | -45% | $-38 |
| East Glacier Park | State Farm | $19 | -42% | $-38 |
| Edgar | State Farm | $18 | -46% | $-40 |
| Ekalaka | State Farm | $18 | -42% | $-35 |
| Elliston | State Farm | $18 | -39% | $-31 |
| Elmo | State Farm | $20 | -39% | $-35 |
| Emigrant | State Farm | $18 | -40% | $-32 |
| Ennis | State Farm | $18 | -40% | $-32 |
| Essex | State Farm | $20 | -40% | $-36 |
| Ethridge | State Farm | $18 | -45% | $-38 |
| Fairview | State Farm | $17 | -45% | $-38 |
| Fallon | State Farm | $18 | -43% | $-36 |
| Fishtail | State Farm | $19 | -42% | $-37 |
| Flaxville | State Farm | $18 | -42% | $-35 |
| Florence | State Farm | $19 | -39% | $-32 |
| Floweree | State Farm | $18 | -45% | $-39 |
| Forest Grove | State Farm | $18 | -45% | $-39 |
| Fort Belknap Agency | State Farm | $19 | -44% | $-40 |
| Fort Benton | State Farm | $18 | -42% | $-36 |
| Fort Harrison | State Farm | $17 | -41% | $-32 |
| Fortine | State Farm | $20 | -40% | $-36 |
| Fort Peck | State Farm | $18 | -44% | $-37 |
| Fort Shaw | State Farm | $19 | -40% | $-34 |
| Fort Smith | State Farm | $18 | -50% | $-47 |
| Frazer | State Farm | $18 | -44% | $-37 |
| Frenchtown | State Farm | $18 | -42% | $-34 |
| Froid | State Farm | $17 | -45% | $-38 |
| Fromberg | State Farm | $19 | -42% | $-37 |
| Galata | State Farm | $18 | -45% | $-38 |
| Gallatin Gateway | State Farm | $19 | -38% | $-31 |
| Gardiner | State Farm | $19 | -37% | $-30 |
| Garrison | State Farm | $18 | -40% | $-32 |
| Garryowen | State Farm | $18 | -47% | $-42 |
| Geraldine | State Farm | $18 | -42% | $-36 |
| Geyser | State Farm | $18 | -45% | $-38 |
| Gildford | State Farm | $18 | -44% | $-38 |
| Glen | State Farm | $18 | -38% | $-29 |
| Glentana | State Farm | $18 | -44% | $-37 |
| Gold Creek | State Farm | $18 | -40% | $-32 |
| Grantsdale | State Farm | $18 | -39% | $-31 |
| Grass Range | State Farm | $18 | -43% | $-36 |
| Greycliff | State Farm | $18 | -45% | $-40 |
| Hall | State Farm | $18 | -39% | $-30 |
| Hammond | State Farm | $18 | -43% | $-37 |
| Harlowton | State Farm | $18 | -43% | $-37 |
| Harrison | State Farm | $19 | -35% | $-28 |
| Hathaway | State Farm | $18 | -43% | $-35 |
| Haugan | State Farm | $18 | -43% | $-36 |
| Hays | State Farm | $19 | -45% | $-41 |
| Heart Butte | State Farm | $19 | -43% | $-39 |
| Helena Valley Southeast | State Farm | $17 | -41% | $-32 |
| Helena Valley West Central | State Farm | $17 | -42% | $-32 |
| Helmville | State Farm | $18 | -40% | $-32 |
| Heron | State Farm | $21 | -37% | $-33 |
| Highwood | State Farm | $18 | -46% | $-40 |
| Hilger | State Farm | $18 | -45% | $-38 |
| Hingham | State Farm | $18 | -46% | $-40 |
| Hinsdale | State Farm | $18 | -44% | $-37 |
| Hobson | State Farm | $18 | -44% | $-38 |
| Hogeland | State Farm | $19 | -43% | $-39 |
| Homestead | State Farm | $18 | -43% | $-35 |
| Hot Springs | State Farm | $20 | -37% | $-32 |
| Hungry Horse | State Farm | $20 | -40% | $-36 |
| Huntley | State Farm | $18 | -45% | $-41 |
| Huson | State Farm | $18 | -40% | $-33 |
| Hysham | State Farm | $18 | -44% | $-37 |
| Ingomar | State Farm | $18 | -44% | $-37 |
| Inverness | State Farm | $18 | -45% | $-39 |
| Ismay | State Farm | $18 | -43% | $-35 |
| Jackson | State Farm | $18 | -38% | $-30 |
| Jefferson City | State Farm | $18 | -41% | $-34 |
| Joliet | State Farm | $18 | -44% | $-38 |
| Joplin | State Farm | $18 | -44% | $-37 |
| Jordan | State Farm | $18 | -42% | $-36 |
| Judith Gap | State Farm | $18 | -45% | $-39 |
| Kevin | State Farm | $18 | -45% | $-39 |
| Kila | State Farm | $20 | -40% | $-37 |
| Kinsey | State Farm | $18 | -43% | $-36 |
| Kremlin | State Farm | $18 | -45% | $-39 |
| Lake Mc Donald | State Farm | $20 | -41% | $-37 |
| Lakeside | State Farm | $21 | -37% | $-33 |
| Lambert | State Farm | $18 | -44% | $-38 |
| Lame Deer | State Farm | $18 | -44% | $-38 |
| Larslan | State Farm | $18 | -45% | $-38 |
| Lavina | State Farm | $18 | -45% | $-39 |
| Ledger | State Farm | $18 | -44% | $-37 |
| Lima | State Farm | $18 | -39% | $-31 |
| Lincoln | State Farm | $19 | -37% | $-31 |
| Lindsay | State Farm | $18 | -43% | $-35 |
| Lloyd | State Farm | $18 | -47% | $-42 |
| Lodge Grass | State Farm | $19 | -46% | $-43 |
| Lolo | State Farm | $18 | -40% | $-32 |
| Loma | State Farm | $18 | -45% | $-39 |
| Lonepine | State Farm | $20 | -38% | $-33 |
| Loring | State Farm | $18 | -45% | $-39 |
| Lothair | State Farm | $18 | -45% | $-38 |
| Malmstrom AFB | State Farm | $20 | -36% | $-30 |
| Manhattan | State Farm | $18 | -41% | $-33 |
| Marion | State Farm | $21 | -38% | $-34 |
| Martin City | State Farm | $20 | -40% | $-36 |
| Martinsdale | State Farm | $18 | -42% | $-35 |
| Marysville | State Farm | $18 | -41% | $-33 |
| Mc Allister | State Farm | $18 | -39% | $-31 |
| Mc Leod | State Farm | $18 | -45% | $-39 |
| Medicine Lake | State Farm | $16 | -46% | $-37 |
| Melrose | State Farm | $18 | -40% | $-32 |
| Melstone | State Farm | $18 | -44% | $-38 |
| Melville | State Farm | $18 | -45% | $-40 |
| Mildred | State Farm | $18 | -44% | $-37 |
| Milltown | State Farm | $18 | -40% | $-32 |
| Moccasin | State Farm | $18 | -44% | $-37 |
| Molt | State Farm | $18 | -44% | $-39 |
| Monarch | State Farm | $20 | -36% | $-31 |
| Montana City | State Farm | $19 | -39% | $-32 |
| Moore | State Farm | $18 | -43% | $-36 |
| Mosby | State Farm | $18 | -43% | $-36 |
| Musselshell | State Farm | $18 | -44% | $-37 |
| Nashua | State Farm | $17 | -45% | $-38 |
| Neihart | State Farm | $20 | -36% | $-30 |
| Norris | State Farm | $18 | -40% | $-32 |
| Noxon | State Farm | $21 | -40% | $-37 |
| Nye | State Farm | $18 | -45% | $-39 |
| Oilmont | State Farm | $18 | -45% | $-39 |
| Olive | State Farm | $18 | -45% | $-39 |
| Olney | State Farm | $20 | -40% | $-35 |
| Opheim | State Farm | $18 | -44% | $-38 |
| Orchard Homes | State Farm | $18 | -41% | $-33 |
| Otter | State Farm | $18 | -46% | $-40 |
| Outlook | State Farm | $18 | -43% | $-36 |
| Ovando | State Farm | $18 | -41% | $-34 |
| Paradise | State Farm | $20 | -38% | $-32 |
| Park City | State Farm | $18 | -45% | $-40 |
| Peerless | State Farm | $18 | -45% | $-38 |
| Pendroy | State Farm | $18 | -46% | $-40 |
| Philipsburg | State Farm | $18 | -38% | $-31 |
| Pinesdale | State Farm | $18 | -39% | $-31 |
| Plevna | State Farm | $18 | -43% | $-35 |
| Polaris | State Farm | $18 | -38% | $-29 |
| Polebridge | State Farm | $20 | -39% | $-35 |
| Pompeys Pillar | State Farm | $18 | -45% | $-40 |
| Pony | State Farm | $18 | -40% | $-32 |
| Poplar | State Farm | $18 | -42% | $-35 |
| Powderville | State Farm | $18 | -45% | $-39 |
| Power | State Farm | $18 | -44% | $-38 |
| Pray | State Farm | $18 | -42% | $-35 |
| Proctor | State Farm | $20 | -41% | $-37 |
| Pryor | State Farm | $18 | -47% | $-43 |
| Radersburg | State Farm | $18 | -40% | $-32 |
| Ramsay | State Farm | $19 | -37% | $-31 |
| Rapelje | State Farm | $18 | -44% | $-39 |
| Ravalli | State Farm | $20 | -38% | $-33 |
| Raymond | State Farm | $18 | -43% | $-35 |
| Raynesford | State Farm | $18 | -45% | $-39 |
| Redstone | State Farm | $18 | -42% | $-35 |
| Reed Point | State Farm | $18 | -46% | $-40 |
| Reserve | State Farm | $18 | -43% | $-35 |
| Rexford | State Farm | $20 | -39% | $-35 |
| Richey | State Farm | $18 | -43% | $-36 |
| Richland | State Farm | $18 | -44% | $-37 |
| Ringling | State Farm | $18 | -41% | $-33 |
| Riverbend | State Farm | $18 | -42% | $-35 |
| Roberts | State Farm | $19 | -44% | $-39 |
| Rollins | State Farm | $21 | -38% | $-34 |
| Roscoe | State Farm | $18 | -46% | $-41 |
| Rosebud | State Farm | $18 | -43% | $-36 |
| Roy | State Farm | $18 | -43% | $-36 |
| Rudyard | State Farm | $17 | -46% | $-40 |
| Ryegate | State Farm | $19 | -43% | $-38 |
| Saco | State Farm | $18 | -45% | $-39 |
| Saltese | State Farm | $18 | -44% | $-38 |
| Sand Coulee | State Farm | $20 | -37% | $-31 |
| Sanders | State Farm | $18 | -43% | $-36 |
| Sand Springs | State Farm | $18 | -45% | $-38 |
| Savage | State Farm | $18 | -44% | $-36 |
| Scobey | State Farm | $18 | -41% | $-34 |
| Seeley Lake | State Farm | $19 | -39% | $-32 |
| Shawmut | State Farm | $18 | -45% | $-39 |
| Shepherd | State Farm | $18 | -46% | $-41 |
| Sheridan | State Farm | $19 | -37% | $-30 |
| Silver Gate | State Farm | $18 | -41% | $-34 |
| Silver Star | State Farm | $19 | -39% | $-32 |
| Simms | State Farm | $20 | -36% | $-31 |
| Somers | State Farm | $21 | -39% | $-35 |
| Springdale | State Farm | $18 | -41% | $-34 |
| Stanford | State Farm | $17 | -46% | $-40 |
| Stevensville | State Farm | $18 | -40% | $-33 |
| St. Ignatius | State Farm | $19 | -39% | $-33 |
| St. Marie | State Farm | $18 | -44% | $-37 |
| Stockett | State Farm | $20 | -41% | $-36 |
| St. Regis | State Farm | $18 | -43% | $-38 |
| Stryker | State Farm | $20 | -40% | $-36 |
| St. Xavier | State Farm | $19 | -46% | $-43 |
| Sula | State Farm | $18 | -39% | $-31 |
| Sumatra | State Farm | $18 | -44% | $-38 |
| Sunburst | State Farm | $18 | -46% | $-42 |
| Sun River | State Farm | $20 | -38% | $-33 |
| Sweet Grass | State Farm | $18 | -45% | $-39 |
| Teigen | State Farm | $18 | -44% | $-37 |
| Terry | State Farm | $18 | -42% | $-35 |
| Toston | State Farm | $18 | -41% | $-33 |
| Trego | State Farm | $20 | -40% | $-35 |
| Trout Creek | State Farm | $20 | -39% | $-34 |
| Troy | State Farm | $20 | -42% | $-38 |
| Turner | State Farm | $18 | -47% | $-42 |
| Twin Bridges | State Farm | $19 | -36% | $-28 |
| Two Dot | State Farm | $18 | -44% | $-38 |
| Ulm | State Farm | $20 | -38% | $-32 |
| Valier | State Farm | $18 | -47% | $-41 |
| Vandalia | State Farm | $18 | -44% | $-37 |
| Vaughn | State Farm | $19 | -40% | $-35 |
| Victor | State Farm | $18 | -40% | $-32 |
| Vida | State Farm | $18 | -44% | $-37 |
| Virginia City | State Farm | $18 | -38% | $-30 |
| Volborg | State Farm | $18 | -44% | $-37 |
| Westby | State Farm | $17 | -45% | $-37 |
| West Glacier | State Farm | $20 | -39% | $-34 |
| West Yellowstone | State Farm | $18 | -40% | $-32 |
| White Sulphur Springs | State Farm | $18 | -41% | $-33 |
| Whitetail | State Farm | $18 | -43% | $-36 |
| Whitewater | State Farm | $18 | -45% | $-39 |
| Whitlash | State Farm | $18 | -45% | $-39 |
| Wibaux | State Farm | $17 | -43% | $-35 |
| Willard | State Farm | $18 | -43% | $-35 |
| Willow Creek | State Farm | $18 | -39% | $-31 |
| Wilsall | State Farm | $19 | -38% | $-32 |
| Winifred | State Farm | $18 | -44% | $-37 |
| Winnett | State Farm | $18 | -43% | $-37 |
| Winston | State Farm | $18 | -41% | $-33 |
| Wisdom | State Farm | $19 | -36% | $-28 |
| Wise River | State Farm | $18 | -38% | $-29 |
| Wolf Creek | State Farm | $18 | -39% | $-32 |
| Worden | State Farm | $18 | -45% | $-40 |
| Wyola | State Farm | $18 | -50% | $-47 |
| Zortman | State Farm | $18 | -46% | $-41 |
| Zurich | State Farm | $19 | -45% | $-42 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Montana By Driver Age Group
We analyzed car insurance rates across Montana for three age groups: young drivers (16 to 25), adult drivers (26 to 64), and seniors (65+). Here are the providers offering the best deals for each group:
- State Farm offers the lowest rates for young drivers starting at $36 per month
- State Farm provides affordable coverage for adult drivers from $18 per month
- State Farm leads with competitive rates for seniors beginning at $21 per mont
Cheapest Car Insurance For Young Drivers in Montana
Young drivers in Montana can find the lowest premiums with State Farm, which offers average rates of $36 per month or $429 annually. This is 70% cheaper than the state average, giving young drivers significant savings of about $1,020 per year. Other budget-friendly options include Geico at $79 per month and Allstate at $109 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| State Farm | $36 | $429 | -70% | $-1,020 |
| Geico | $79 | $952 | -34% | $-497 |
| Allstate | $109 | $1,310 | -10% | $-139 |
| Nationwide | $143 | $1,717 | 18% | $268 |
| Progressive | $153 | $1,837 | 27% | $388 |
Cheapest Car Insurance For Adult Drivers in Montana
For adult drivers, State Farm provides the most affordable minimum coverage in Montana at $18 per month, or just $220 annually. That’s 63% below the state average, saving drivers $367 each year. Geico follows at $29 per month, while Farmers, Kemper, and Nationwide are considerably higher, all ranging from $55 to $59 monthly.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| State Farm | $18 | $220 | -63% | $-367 |
| Geico | $29 | $343 | -42% | $-244 |
| Farmers | $55 | $657 | 12% | $70 |
| Kemper | $58 | $691 | 18% | $103 |
| Nationwide | $59 | $702 | 20% | $115 |
Cheapest Car Insurance For Senior Drivers in Montana
Seniors in Montana also benefit most from State Farm, with average rates of $21 per month, or $255 annually—68% less than the state average. This equals yearly savings of about $549. Geico is the next most affordable at $43 per month, while Allstate, Nationwide, and Kemper cost between $70 and $83 per month.
Data filtered by:Results filtered by:
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Coverage Level (Friendly):State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $21 | $255 | -68% | $-549 |
| Geico | $43 | $518 | -36% | $-286 |
| Allstate | $83 | $994 | 24% | $190 |
| Nationwide | $70 | $836 | 4% | $33 |
| Kemper | $72 | $863 | 7% | $60 |
Cheapest Car Insurance For High-Risk Drivers in Montana
High-risk drivers in Montana including those with bad credit, DUIs, accidents, speeding tickets, or texting violations can still find affordable coverage. Based on the latest data, here are the cheapest providers for each risk profile:
- Best for Bad Credit: Kemper (from $95 per month)
- Best with a DUI: State Farm (from $20 per month)
- Best with an Accident: State Farm (from $21 per month)
- Best with a Speeding Ticket: State Farm (from $20 per month)
- Best with a Texting Violation: State Farm (from $36 per month)
Cheapest Car Insurance For Bad Credit in Montana
Montana drivers with poor credit will find the best rates through Kemper, averaging $95 per month or $1,136 annually. This is 42% below the state average, saving drivers about $834 each year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level (Friendly):State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Kemper | $95 | $1,136 | -42% | $-834 |
| Geico | $101 | $1,215 | -38% | $-755 |
| Nationwide | $138 | $1,654 | -16% | $-316 |
| Allstate | $164 | $1,967 | 0% | $-3 |
| Progressive | $170 | $2,044 | 4% | $74 |
Cheapest Car Insurance With a DUI in Montana
For Montana drivers with a DUI, State Farm is the most affordable option, with average premiums of $20 per month or $236 annually. This is 72% cheaper than the state average, saving drivers nearly $600 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $20 | $236 | -72% | $-595 |
| Kemper | $60 | $724 | -13% | $-107 |
| Progressive | $69 | $830 | 0% | $-1 |
| Geico | $75 | $905 | 9% | $74 |
| Farmers | $76 | $907 | 9% | $75 |
Cheapest Car Insurance With an Accident in Montana
Drivers in Montana with an accident on their record can get the lowest rates from State Farm, which charges $21 per month or $253 annually. This is 69% less than the state average, translating to savings of about $574 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $21 | $253 | -69% | $-574 |
| Geico | $44 | $523 | -37% | $-305 |
| Farmers | $79 | $944 | 14% | $117 |
| Kemper | $79 | $950 | 15% | $123 |
| Allstate | $82 | $979 | 18% | $152 |
Cheapest Car Insurance With an Speeding Ticket
Montana drivers with a speeding ticket will pay the least with State Farm, averaging $20 per month or $236 annually. That’s 65% below the state average, saving drivers $439 per year. Geico is also relatively affordable at $33 per month, while Farmers, Nationwide, and Kemper range from $55 to $74 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $20 | $236 | -65% | $-439 |
| Farmers | $55 | $657 | -3% | $-18 |
| Geico | $33 | $400 | -41% | $-275 |
| Nationwide | $74 | $884 | 31% | $209 |
| Kemper | $69 | $831 | 23% | $156 |
Cheapest Car Insurance With a Texting While Driving Violation
Auto-Owners offers the cheapest car insurance rates for Montana drivers with a texting-while-driving violation. Minimum coverage averages about $447 per year, while full coverage costs around $820 annually. That makes full coverage roughly 44% less expensive than the state average.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Female
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Credit Alignment:Below Fair
| Geico | $209 | $2,511 | -41% | $-1,760 |
| Kemper | $221 | $2,657 | -38% | $-1,615 |
| Nationwide | $268 | $3,218 | -25% | $-1,053 |
| Allstate | $326 | $3,912 | -8% | $-359 |
| State Farm | $415 | $4,982 | 17% | $711 |
Compare the Cheapest Car Insurance in Montana for You
While the tables above show overall winners, the most affordable car insurance provider in Montana depends on your specific profile. For example, Kemper offers the lowest rates at $287 monthly for drivers with poor credit and an accident record who want 100/300/100 coverage.
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Rates updated:
Oct 03, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Progressive | 93 /of 100 | $58 |
| 2 |  State Farm | 94 /of 100 | $64 |
| 3 |  GEICO | 79 /of 100 | $116 |
| 4 |  Nationwide | 93 /of 100 | $120 |
| 5 |  Farmers | 85 /of 100 | $121 |
| 6 |  Allstate | 71 /of 100 | $145 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
How to Get the Cheapest Car Insurance in Montana
Finding the most affordable insurance companies is just the first step to getting the best rates in Montana. Here are proven ways to save the most on auto insurance.
- 1
Compare insurers across a large state
Montana’s wide geographic spread means premiums can vary between urban areas like Billings or Missoula and the many rural counties. Rural drivers may pay less overall, but comparing quotes from national carriers and local insurers is still essential to find the lowest price.
- 2
Meet Montana’s minimum requirements
The state requires 25/50/20 liability coverage. These limits are enough to meet legal requirements but are considered low if you are involved in a serious accident. Many drivers raise their limits for more protection.
- 3
Use discounts common in Montana
Montana insurers offer savings for bundling auto with home, safe-driver programs, good student performance, and paying in full. Because many drivers in the state cover long distances, telematics programs that monitor mileage and driving habits can provide additional discounts for those who drive safely.
- 4
Match coverage to Montana’s unique risks
Montana has one of the highest rates of wildlife collisions in the country, especially with deer and elk, making comprehensive coverage valuable even for older vehicles. Long winters and icy road conditions also make collision coverage a smart choice. In more populated areas, full coverage may be necessary to guard against theft and urban accident risks.
- 5
Adjust deductibles if possible
Raising deductibles on collision or comprehensive coverage can lower monthly costs. This works best if you have enough savings to cover the higher out-of-pocket expenses in case of a claim.
- 6
Maintain a clean record and good credit
Montana insurers weigh both credit history and driving record heavily. Building credit and avoiding violations are two of the most reliable long-term ways to keep rates affordable.
- 7
Use MTAIP as a fallback
The Montana Automobile Insurance Plan provides coverage for high-risk drivers who cannot find insurance elsewhere. Premiums are higher than standard policies, so this plan is best used as a last resort.
Risks of Getting the Cheapest Car Insurance in Montana
Montana requires drivers to carry liability insurance with minimum coverage of 25/50/20. That means $25,000 for injuries to one person, $50,000 for injuries in a single accident, and $20,000 for property damage. While this satisfies state law, minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you’re at fault won’t be covered
Without collision coverage, you’ll pay out of pocket for your own repair costs if you cause an accident. In Montana, the average property damage claim reached about $4,500 in 2023, according to the Insurance Information Institute. Minimum coverage only pays for the other driver’s vehicle, not yours, leaving you with a steep repair bill.
Weather risks make damage to your car more likely and aren’t covered
Montana’s weather brings hail, snow, and flooding that damage cars each year. Basic liability coverage won’t pay for weather-related repairs. Comprehensive coverage is the only way to protect against common risks like hailstorms, flash floods, and falling trees.
Bodily injury costs are likely to exceed minimum limits
The state’s minimum bodily injury coverage of $25,000 per person may fall short in serious accidents. Average bodily injury claims nationwide topped $20,000 in 2023, according to the Insurance Information Institute, and medical costs continue to rise. Multi-vehicle crashes or long-term injuries can easily exceed minimum limits, leaving drivers responsible for large out-of-pocket expenses.
Not having uninsured motorist coverage increases your risk
Roughly 9% of Montana drivers are uninsured, according to the Insurance Research Council. If you are hit by one of these drivers and you don’t carry uninsured motorist protection, you may have no way to recover damages. Adding UM/UIM coverage is a low-cost option that helps avoid devastating financial losses.
Vehicle theft and wildlife collisions are common and uncovered
Montana sees higher rates of auto theft than many rural states, with stolen vehicles averaging over $8,000 in value, according to the National Insurance Crime Bureau. At the same time, Montana consistently ranks near the top nationally for deer and wildlife collisions, according to State Farm data. Without comprehensive coverage, you get no help paying for theft or wildlife damage, making this protection especially important for Montana drivers.
Minimum Coverage Requirements in Montana
Montana law requires all drivers to carry liability insurance before operating a vehicle. The state follows an at-fault system, meaning the driver who causes an accident must pay for damages. Policies must include bodily injury and property damage liability. These limits meet state law, but many drivers purchase higher coverage to reduce financial risk.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $20,000 per accident |
Cheap Car Insurance in Montana: Bottom Line
State Farm offers the cheapest car insurance in Montana, with rates starting at $14 for minimum coverage and $57 for full coverage. While saving money is important, the lowest cost might not provide enough financial protection. Get as much coverage as your budget allows.
Cheap Car Insurance in Montana: FAQ
We answer common questions about Montana's affordable car insurance to help you find the right plan for your needs.
What are the cheapest car insurance companies in Montana?
State Farm offers Montana's cheapest auto insurance, starting at $14 monthly for minimum coverage and $57 for full coverage.
Who has the cheapest car insurance rates for young drivers in Montana?
State Farm offers the most affordable car insurance for young drivers in Montana, with an average monthly rate of $15 for minimum coverage. This rate is lower than the state average.
Who offers the cheapest car insurance rates for seniors in Montana?
State Farm offers the most affordable car insurance rates for seniors in Montana, with an average monthly rate of $13, which is $31 below the state average.
Should you buy the cheapest car insurance available in Montana?
While cheap car insurance may seem appealing, ensuring adequate financial protection against significant losses is important. State Farm balances affordability and quality service, offering the best car insurance in Montana with full coverage starting at $57 monthly.
How much does car insurance in Montana cost, on average?
The average monthly cost of full coverage auto insurance in Montana is $97, while minimum coverage averages $37.
What are car insurance requirements in Montana?
Montana requires drivers to carry minimum coverage auto insurance, which includes bodily injury liability of $25,000 per person and $50,000 per accident, along with $20,000 in property damage liability.
How We Found the Most Affordable Car Insurance in Montana
MoneyGeek collected auto insurance data from the Montana Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Montana.
Montana Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
40-year-old male 2012 Toyota Camry LE Clean driving record 12,000 miles driven annually Good credit Valid license Currently insured No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Montana
We compared car insurance companies in Montana that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Montana.
The minimum coverage liability limits in Montana are:
$30,000 per person for bodily injury $60,000 per accident for bodily injury $20,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
$100,000 for bodily injury liability per person $300,000 for bodily injury liability per accident $100,000 for property damage liability Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
