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: December 29, 2025

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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 top-rated 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. Young drivers pay $150 monthly for full coverage and $36 for minimum coverage with State Farm. Family plan discounts reduce costs when adding teens to parent policies. Good student discounts and accident forgiveness prevent rate spikes after minor mistakes during early driving years.
Best for Senior Drivers (65+): State Farm. Seniors pay $86 monthly for full coverage and $21 for minimum coverage with State Farm. Specialized discounts and defensive driving course credits lower premiums significantly. Accident forgiveness protects seniors from rate increases after first at-fault incidents.
Best With an At-Fault Accident: State Farm. State Farm charges $94 monthly for full coverage after an accident versus substantially higher rates from insurers raising rates immediately. Accident forgiveness prevents first rate increases. The feature saves hundreds annually compared to companies immediately penalizing accidents.
Best With a Speeding Ticket: State Farm. State Farm charges $89 monthly with a speeding ticket, applying smaller penalties than competitors. Defensive driving courses remove points from records and reduce ticket impacts on premiums. Lower penalties help Montana drivers recover from minor violations.
Best With Bad Credit: GEICO. GEICO charges $231 monthly for drivers with bad credit versus double the costs at some companies. GEICO weighs credit factors less heavily in pricing. Rate adjustments appear more quickly as credit improves, accelerating savings when rebuilding financial standing.


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 emerged as the leading car insurance providers in our comprehensive analysis, though each serves distinct driver profiles best. Our research team evaluated coverage options, pricing structures and customer service quality to identify which company matches specific driver needs across different scenarios.

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
- Ranks first in affordability with competitive premium rates
- Strong customer experience ranking second in the state
- Extensive agent network with local Montana representation
cons
- Limited coverage options ranking last among major insurers
- Fewer specialty coverage add-ons compared to competitors
State Farm ranks first among Montana insurers with a 4.80 score. The company achieves perfect affordability ratings (5/5) and strong customer experience (4.9/5), ranking second statewide for service. Young drivers pay $150 monthly and drivers with violations pay $89 monthly, both significantly below competitors. Coverage options rank fifth (3.3/5) with adequate protections for Montana's weather and rural risks despite limited specialty add-ons.
State Farm offers Montana's most competitive rates at $85 monthly for full coverage and $19 for minimum coverage. Young drivers pay $150 monthly compared to $200+ with most competitors. Drivers with accidents pay $94 monthly versus significantly higher rates elsewhere.

State Farm provides bundling discounts up to 25% when combining auto and home policies. The Drive Safe & Save telematics program rewards safe driving habits with rate reductions. Good student discounts and multi-car discounts provide additional savings for families.
State Farm achieves a 4.9 out of 5 customer experience rating in Montana, ranking second statewide. Its extensive network of local agents provides personalized service and quick claims response, particularly valuable during Montana's harsh winter weather conditions.

The mobile app allows policy management, claims filing and digital proof of insurance cards, streamlining routine tasks for busy drivers.
State Farm provides standard liability, collision and comprehensive coverage along with add-ons like roadside assistance and rental reimbursement. The company offers rideshare coverage for drivers using apps like Uber or Lyft, plus personal injury protection and uninsured motorist coverage.

Coverage options score 3.3 out of 5, addressing Montana's risks including severe weather, wildlife collisions and rural driving conditions. Flexibility to customize coverage levels helps drivers balance protection with affordability.

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
- Ranks second for affordability with competitive premium rates
- Strong customer experience with responsive claims handling
- Excellent mobile app for policy management and claims
cons
- Limited coverage options compared to other major insurers
- Fewer add-on coverage choices for specialized protection needs
GEICO ranks second among Montana insurers, leading for drivers with bad credit or low income. The company achieves competitive affordability ratings (4.3/5) with strong digital tools. Drivers with bad credit pay $231 monthly and low-income drivers pay $154 monthly, both significantly below competitors in high-risk categories. Customer experience ranks third (4.8/5) with excellent mobile app functionality despite limited coverage customization (3.3/5).
GEICO offers competitive rates in Montana at $106 monthly for full coverage and $30 for minimum coverage. The company leads for drivers who typically face higher premiums, with bad credit drivers paying $231 monthly and low-income drivers paying $154 monthly.

These rates significantly undercut many competitors for high-risk categories, earning GEICO the second-best affordability ranking in the state. The digital-first approach keeps operational costs low, passing savings directly to policyholders.
GEICO achieves a 4.8 out of 5 customer experience rating in Montana, ranking third among major insurers. The mobile app receives consistently positive reviews for policy management, claims filing and digital certificate access. The streamlined digital claims process helps Montana drivers handle weather-related damage efficiently, though phone support wait times extend longer during peak periods like severe weather events.
GEICO provides standard coverage including liability, collision and comprehensive protection, plus add-ons like roadside assistance and mechanical breakdown coverage. Customization options are more limited than competitors but cover essential protections Montana drivers need for weather-related risks and rural driving conditions.

The straightforward coverage keeps costs low for drivers wanting solid basic protection without premium add-ons. Drivers seeking specialized coverage like pet injury protection or extensive gap insurance need to look elsewhere.

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

Below, our insurance experts tackle the most frequently asked questions about securing affordable car insurance in Montana:

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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