The Best Car Insurance in Montana

State Farm leads Montana's car insurance market, offering the best rates and value. GEICO, Progressive, Farmers and Nationwide complete the top 5 providers.

Find the best car insurance for you in Montana today.

Written by Mark Fitzpatrick

Updated: February 2, 2026

Advertising & Editorial Disclosure

Quick Take: What Is the Best Car Insurance for Montana Drivers?

Best Overall and Best for Young Drivers or Those With a Violation: State Farm, 4.80/5 stars
State Farm leads Montana with perfect affordability scores (5/5) and the lowest average rates at $52 monthly. Full coverage costs $85 monthly and minimum coverage costs $19 monthly. Young drivers pay $150 monthly and drivers with DUI pay $89 monthly. Customer experience ranks second (4.9/5) with extensive local agent network. Read more

Best Cheap for Drivers With Bad Credit or Low Income: GEICO, 4.33/5 stars
GEICO ranks second among Montana insurers with strong affordability ratings (4.3/5). Full coverage costs $106 monthly and minimum coverage costs $30 monthly. Drivers with bad credit pay $231 monthly and low-income drivers pay $154 monthly. Customer experience ranks third (4.8/5) with excellent mobile app functionality. Read more

Best Car Insurance Companies in Montana

State Farm ranks first in Montana with perfect affordability scores (5/5) and strong customer experience (4.9/5) at $52 monthly. GEICO places second with competitive affordability (4.3/5) at $68 monthly. Progressive finishes third with top customer experience (5/5) and strong coverage options (4.8/5) at $95 monthly. The table shows best car insurance company scores in Montana based on affordability, customer experience and coverage options:


State Farm	4.79	$52	2	5
Geico	4.33	$68	3	5
Progressive	4.04	$95	1	2
Farmers	3.94	$95	6	1
Nationwide	3.9	$86	4	4

Best Car Insurance in Montana by Driver Profile

Montana car insurance matches driver profile with insurer. State Farm wins nine of 10 driver categories, and GEICO takes the top spot for one category.

Best for Young Drivers (16 to 25): State Farm. Expect to pay $150 monthly for full coverage or $36 for minimum coverage with State Farm. Add your teen to your existing policy to access family discounts. Good student discounts reward strong grades, and accident forgiveness means one fender bender won't send your rates through the roof during those critical first years behind the wheel.
Best for Senior Drivers (65+): State Farm. Seniors pay $86 monthly for full coverage or $21 for minimum coverage. Take a defensive driving course to earn credits that drop your premium. Accident forgiveness protects you from a rate spike after your first at-fault crash, which matters more as you age.
Best With an At-Fault Accident: State Farm. After an accident, you'll pay $94 monthly for full coverage with State Farm. Many insurers jack up rates immediately, but State Farm's accident forgiveness blocks that first increase. Over a year, this keeps hundreds of dollars in your pocket versus companies that punish you right away.
Best With a Speeding Ticket: State Farm. A speeding ticket brings your monthly rate to $89 with State Farm. That's less pain than most competitors inflict. Complete a defensive driving course to scrub points off your record and soften the ticket's impact on your wallet. Montana drivers recover faster from minor violations this way.
Best With Bad Credit: GEICO. Bad credit costs you $231 monthly with GEICO. Other companies double that amount. GEICO doesn't lean as hard on credit scores when setting rates. As your credit rebounds, your rates drop faster. You won't wait forever to see savings while fixing your finances.


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

Best Montana Car Insurance Reviews

State Farm and GEICO offer the best car insurance in Montana. State Farm wins for most drivers, while GEICO beats everyone on price for those with bad credit. We compared coverage, rates and customer service to figure out which company suits your specific situation.

Best Overall for Montana: State Farm

State Farm

Best Overall and Best for Young Drivers or Those With a Violation

MoneyGeek Rating

4.8/ 5

5/5Affordability

4.9/5Customer Experience

3.3/5Coverage Points

Average Monthly Full Coverage Cost
$85
Average Monthly Minimum Coverage Cost
$19
Agent Service Score
4.6/5
Most Unique Coverage Add-On
Roadside Assistance

pros
- Ranks first overall among Montana car insurance providers
- Leads in affordability with competitive premium pricing
- Strong customer experience, ranking second statewide
- Large agent network with local Montana presence
cons
- Fewer coverage options than most major insurers
- Limited specialty add-ons compared to competitors
State Farm ranks first among Montana insurers with an overall score of 4.8 out of 5. The company earns a perfect affordability rating and a strong customer experience score of 4.9 out of 5, placing second in the state for service. Young drivers pay about $150 per month, while drivers with violations average $89 monthly, both lower than most competitors.

Coverage options rank fifth at 3.3 out of 5, offering practical protection for Montana’s weather and rural driving conditions despite fewer add-ons.
State Farm offers some of the lowest auto insurance rates in Montana, averaging $85 per month for full coverage and $19 monthly for minimum coverage. Young drivers pay around $150 per month, compared to $200 or more with many other insurers. Drivers with accidents average $94 monthly, which remains competitive within the state.

Drivers can lower costs further through bundling discounts of up to 25% when combining auto and home policies. The Drive Safe & Save program rewards safe driving tracked through the mobile app, while good student and multi-car discounts help families reduce premiums.
State Farm earns a 4.9 out of 5 customer experience score in Montana, ranking second statewide. Its wide network of local agents supports personalized service and faster assistance, which is especially helpful during harsh winter conditions.

The mobile app allows drivers to manage policies, file claims, and access digital insurance cards, keeping everyday tasks simple and accessible.
State Farm offers standard liability, collision, and comprehensive coverage, along with options such as roadside assistance and rental reimbursement. Rideshare coverage is available for drivers using services like Uber or Lyft, along with uninsured motorist coverage and personal injury protection.

With a coverage score of 3.3 out of 5, State Farm addresses common Montana risks such as severe weather, wildlife collisions, and long rural drives. Adjustable coverage levels allow drivers to balance protection and cost.

Best for Bad Credit and Low Income: GEICO

GEICO

Best Cheap for Drivers With Bad Credit or Low Income

MoneyGeek Rating

4.3/ 5

4.3/5Affordability

4.8/5Customer Experience

3.3/5Coverage Points

Average Monthly Full Coverage Cost
$106
Average Monthly Minimum Coverage Cost
$30
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Ranks second overall among Montana car insurance providers
- Strong affordability ranking with competitive pricing
- Positive customer experience with responsive claims support
- Highly rated mobile app for policy management and claims
cons
- Fewer coverage options than many major insurers
- Limited add-on choices for specialized coverage needs
GEICO ranks second among Montana insurers and performs well for drivers with bad credit or lower incomes. The company earns an affordability score of 4.3 out of 5 and relies heavily on digital tools to keep pricing competitive.

Drivers with bad credit average $231 per month, while low-income drivers pay about $154 monthly, both among the lower rates in higher-risk categories. Customer experience ranks third at 4.8 out of 5, supported by a strong app experience despite limited coverage flexibility, which scores 3.3 out of 5.
GEICO offers competitive Montana rates, averaging $106 per month for full coverage and $30 monthly for minimum coverage. Drivers in higher-cost categories benefit most, with bad credit drivers paying $231 per month and low-income drivers averaging $154 monthly.

These prices place GEICO near the top for affordability in the state, especially for drivers who often face higher premiums. The company’s online-focused model helps control costs and support lower pricing.
GEICO earns a customer experience score of 4.8 out of 5 in Montana, ranking third among major insurers. The mobile app is frequently praised for easy policy access, claims filing, and digital proof of insurance.

The digital claims process helps drivers manage weather-related damage efficiently, although phone support wait times can increase during periods of heavy claim volume.
GEICO offers standard liability, collision, and comprehensive coverage, along with add-ons such as roadside assistance and mechanical breakdown coverage. Coverage choices are more limited than some competitors but address essential needs tied to Montana’s weather and rural driving conditions.

This straightforward coverage structure appeals to drivers who want basic protection at a lower cost. Those looking for options like pet injury coverage or broader gap insurance may need to consider other providers.

Rates at the Best Car Insurance Companies in Montana

Top insurers offer rates below Montana averages of $44 for minimum coverage and $112 for full coverage. State Farm delivers the lowest premiums at $85 for full coverage and $19 for minimum. GEICO ranks second at $106 monthly and Nationwide third at $113 monthly for full coverage. Check our guide to average auto insurance costs in Montana.


State Farm	$85	$19
Geico	$106	$30
Nationwide	$113	$58
Kemper	$125	$58
Progressive	$128	$63
Farmers	$143	$47

Montana car insurance costs depend on individual driver profile. Clean records and middle-aged drivers secure the lowest premiums, while violations and poor credit increase rates significantly. Top insurers excel in different areas for specific driver types. Compare your profile to find your best rate in Montana.


Drivers With Old Cars	State Farm	$69	$16
Adult Drivers	State Farm	$80	$18
Senior Drivers	State Farm	$86	$21
Drivers With A DUI	State Farm	$89	$21
Drivers With A Speeding Ticket	State Farm	$89	$21
Drivers With An Accident	State Farm	$94	$22
Drivers With Newer Cars	State Farm	$102	$23
Young Drivers	State Farm	$150	$36
Drivers With Low Income	Geico	$154	$70
Drivers With Bad Credit	Geico	$231	$105

How to Find the Best Car Insurance in Montana

Finding optimal car insurance in Montana means evaluating coverage addressing the state's weather-related risks while securing competitive rates.

1
Choose Proper Coverage Levels
- Montana minimum requirements: $25,000 bodily injury per person, $50,000 per accident, $20,000 property damage. State minimums satisfy legal requirements but won't protect you adequately in serious crashes.
- Most Montana drivers need 100/300/100 coverage: $100,000 in liability protection shields wages and assets, while comprehensive and collision coverage handles weather damage, hailstorms, wildlife collisions, theft and at-fault crashes. Add uninsured motorist coverage since 13% of Montana drivers lack insurance. Learn more about how much coverage you need.
2
Secure Lower Insurance Rates
- Examine multiple quotes: Getting at least three quotes from Montana insurers reveals your best rate since pricing differs significantly between companies. See the cheapest companies in Montana.
- Fortify your driving profile: Montana-approved defensive driving courses earn discounts, and addressing violations quickly reduces long-term rate impacts. Better credit scores reduce premiums up to 70%.
- Consolidate available discounts: Good driver savings (10% to 20%) combine with multi-vehicle discounts (15%), paperless billing (5%) and automatic payments (3%) for substantial savings. Bundling home and auto insurance adds 20% more savings.

Best Auto Insurance in Montana: FAQ

Here are answers to the questions Montana drivers ask us most about car insurance costs:

What's the best comprehensive deductible for Montana drivers?

Montana drivers should consider a $500 or $750 comprehensive deductible rather than $1,000. The lower deductible offers better financial protection against the state's severe hailstorms, wildfire damage, and harsh winter conditions. Drivers in Billings and Great Falls should also choose lower deductibles due to higher vehicle theft rates.

Is full coverage the best choice for my older paid-off car in Montana?

Cars worth under $5,000 benefit from dropping comprehensive and collision to save money. Montana's harsh winters, hailstorms, and rural wildlife crossings make full coverage valuable for vehicles worth $10,000 or more. Keep full coverage if you lack emergency savings, but with adequate savings and an older car, removing these coverages can reduce costs.

What is the best Montana car insurance for customer service?

Progressive leads Montana for customer service with a perfect 5.0 score.

What is the best car insurance in Montana for the lowest rates?

State Farm offers Montana's most affordable rates, so check our analysis of the cheapest car insurance companies in Montana.

What's the cost of car insurance in Montana?

Montana car insurance averages $112 monthly for full coverage and $44 for minimum liability. See the average cost of car insurance in Montana.

How We Rated the Best Car Insurance in Montana

We researched more than 70 companies in Montana, from national to small local providers across all U.S. residential ZIP codes in Montana. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in Montana:

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 analyzed rates in Montana by driver profile to make sure you are getting the best rate 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 best score.
Best Coverage options (10% of score): This score considers the breadth of coverage options a company offers and unique coverage features that stand-out.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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