State Farm ranks as the best car insurance company in Montana, earning a MoneyGeek score of 4.8 out of 5 for its strong customer service, affordable rates and coverage options. Since insurance needs vary by driver, we also recommend considering GEICO, Progressive, Farmers and Nationwide.
Best Car Insurance in Montana
Updated: August 28, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm stands as the best overall car insurance provider in Montana, leading with the highest affordability score in the state.
GEICO offers the best car insurance in Montana for drivers with bad credit, while it also ranks first for low-income drivers seeking affordable coverage.
To find the best insurance rates in Montana, drivers should determine their coverage needs first, research provider options and compare plenty of quotes before deciding.
Best Car Insurance Companies in Montana
| State Farm | 4.80 | $52 | 2 | 5 |
| GEICO | 4.33 | $68 | 3 | 5 |
| Progressive | 4.04 | $95 | 1 | 2 |
| Farmers | 3.95 | $95 | 6 | 1 |
| Nationwide | 3.90 | $86 | 4 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Montana by Driver Profile
State Farm leads in eight out of ten Montana driver categories, offering the best rates and service for most drivers. GEICO stands out in two specific areas, providing the lowest rates for drivers with bad credit and those with low income.
| Young Drivers | State Farm | 1 | 2 | 5 |
| Adult Drivers | State Farm | 1 | 2 | 5 |
| Senior Drivers | State Farm | 1 | 2 | 5 |
| Drivers With an Accident | State Farm | 1 | 2 | 5 |
| Drivers With a DUI | State Farm | 1 | 2 | 5 |
| Drivers With a Speeding Ticket | State Farm | 1 | 2 | 5 |
| Drivers With Bad Credit | GEICO | 2 | 3 | 5 |
| Drivers With Low Income | GEICO | 1 | 3 | 5 |
| Drivers With Newer Cars | State Farm | 1 | 2 | 5 |
| Drivers With Old Cars | State Farm | 1 | 2 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Montana Car Insurance Recommendations
Our general recommendations might not fit your specific situation. Compare our top five insurance providers below to find coverage that matches your personal needs and circumstances.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| GEICO | 4.76 | $274 | 3 | 5 |
| Nationwide | 4.68 | $317 | 4 | 4 |
| Allstate | 4.32 | $418 | 5 | 3 |
| Kemper | 4.23 | $279 | 7 | 6 |
| State Farm | 4.22 | $436 | 2 | 5 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Montana Car Insurance Reviews
Check out our detailed service breakdowns below for each top-rated insurance company.
State Farm
Best Cheap Overall in Montana
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.9/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$85For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$19For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
GEICO
Second Best Overall in Montana
MoneyGeek Rating
4.3/ of 5
4.3/5Affordability
4.8/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$106For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$30For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Montana
Finding the best car insurance for you in Montana can be difficult, so we've made the following guide to assist you in finding the right fit.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance, regardless of state, is to not know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Montana required minimums.
- 2
Research average costs and discounts you may qualify for
To get an idea of potential savings, research average car insurance costs in Montana as a baseline for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs, online purchasing and good student discounts. Taking a defensive driving program can also reduce your premium costs.
- 3
Look through provider customer experiences and coverage options thoroughly
Research customer reviews and claims handling processes. Examine available add-ons and extra coverage options to find a provider that suits your needs.
- 4
Consider non-standard coverage options
Explore alternatives like manufacturer insurance, non-owner car insurance, and pay-per-mile policies that might better suit your situation. Remember that coverage recommendations vary if you need an SR-22 in Montana.
- 5
Compare plenty of quotes through multiple means
Shopping around and comparing quotes is crucial to finding the cheapest option possible. Compare rates using quotes from independent agents, direct from providers and online comparison tools.
- 6
Reassess annually
Review your coverage and compare rates annually to make sure you have the best deal for coverage and cost.
Best Montana Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. State Farm is the top-rated company overall, while GEICO and Progressive are also good options for drivers in Montana.
Best Auto Insurance in Montana: FAQ
Finding the right car insurance depends on your unique needs, so we've answered common questions to help you choose coverage that fits your situation.
What is the best car insurance company in Montana?
State Farm leads Montana's car insurance market, with a MoneyGeek score of 4.8 out of 5 and full coverage premiums averaging $85 per month.
What is the best car insurance company for minimum coverage in Montana?
State Farm leads for minimum coverage in Montana with an average rate of $232 per year.
What is the best car insurance in Montana for young drivers?
State Farm is the top choice for young adults in Montana, providing affordable rates at $429 per year for minimum coverage and strong customer service ratings.
What is the best car insurance for Montana drivers who value customer service?
Progressive ranks highest for customer experience in Montana with a score of 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling process. State Farm follows closely with 4.9 out of 5 for customer experience.
What is the best car insurance in Montana if you have driving offenses?
State Farm leads the pack for Montana drivers with violations, offering monthly rates of $21 for minimum coverage and $89 for full coverage auto insurance.
How We Rated the Best Car Insurance in Montana
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Montana. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Montana. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Montana-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
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.