The Best Car Insurance in Montana for 2023

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State Farm offers a discount for bundling car insurance policies with home, renters, condo or life insurance coverage. Drivers who insure more than one vehicle with the company can also receive discounts.

State Farm rewards drivers who lower their risk on the road through many discounts. You can save on insurance premiums if your car has an airbag and if you install an anti-theft system in your car and complete a defensive driving course. You can also get a safe driving discount if you’ve had a State Farm car insurance policy for three consecutive years without a chargeable violation. But if you’re a new customer, you can still qualify for a special good driving discount if you haven’t had any violations for three consecutive years.

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Adding young drivers to a parent’s policy can be costly. Fortunately, State Farm delivers affordable premiums for young drivers while providing strong customer service. Younger individuals tend to contact customer service more often than seasoned drivers and are more likely to have road mishaps and consequently file more claims. This makes helpful customer service that much more important.

With this insurer, student drivers with good academic records and individuals 25 years of age or younger pursuing education away from home can receive discounts. State Farm also offers discounts for individuals under 21 who complete driver's education courses.

To take full advantage of these discounts, we recommend that families with young drivers consider insuring multiple cars and bundling their policies under State Farm.

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Senior drivers typically face many physical challenges that compromise their driving ability. For instance, they may already have age-related visual and hearing impairments that delay their reaction time, which can be hazardous on the road. This is why most insurance providers classify older drivers as high-risk and charge them higher rates. That said, there are still companies that offer reasonable pricing and competitive service quality for senior drivers.

State Farm is MoneyGeek’s top pick for Montana seniors for its rock-bottom rates which can become even cheaper with defensive driving discounts. It also has standard coverages, such as roadside assistance and rental car and/or travel reimbursement, which are helpful if a senior driver encounters a road mishap.

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State Farm has one of the best car insurance policies in the country for individuals with bad driving records. It is not only the cheapest option, with policies costing an average of $864 per year, but it is also rated highly in terms of user satisfaction and claims.

The company offers the following coverages:

• Roadside Assistance: This service helps to pay for assistance if your car breaks down on the road. It covers towing, mechanical labor at the place where your car broke down and the delivery of gas, oil, battery and change of tire.
• Rental Car or Travel Cost Reimbursement: This coverage helps drivers pay for a rental car or travel costs during repairs following a covered accident.

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USAA has one of the country's most affordable car insurance policies and the best service ratings. This provider also maintains a strong reputation among its customers nationwide.

Among the most noteworthy coverages and discounts offered by USAA are:

• Accident Forgiveness: Drivers who remain accident-free for five years can avoid paying a surcharge on their first at-fault accident.
• Rideshare Insurance: This coverage pays the gap between your auto and your rideshare company’s commercial policy when transporting customers or waiting for a rider. This costs as little as $6 per month.
• Safe Driving Discount: You can receive a discount for maintaining a good driving record for five consecutive years.
• Vehicle Storage Discount: Drivers can save up to 60% on insuring a stored car.

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Allstate's new car replacement coverage is a good option for first-time or new drivers. With this coverage, you can be compensated for your loss according to the actual value of your car and not the depreciated value.

This is a huge advantage because your car’s value diminishes when it is driven off the lot, but having new car replacement coverage ensures you’ll get a brand-new car of the latest model. However, note that your totaled vehicle must be two model years old or less to be eligible.

Drivers with new cars might also want to purchase additional coverages for custom parts and sound systems. It covers damage to expensive car features, such as special carpeting, height-extending roofs and antennas.

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Nationwide’s pay-per-mile program is called SmartMiles. It has base and variable rates, depending on how much you drive. This is an excellent option for people who seldom drive but take occasional road trips. If you’re on a road trip, it only counts the first 250 miles. With safe driving, you can receive up to a 10% discount.

Although it comes out significantly cheaper, SmartMiles’ pay-per-mile car insurance offers the same coverages as a traditional Nationwide car insurance policy. It can be an excellent choice for you if your home is located near your office or if you work from home. It is also an ideal affordable option for insuring that extra car you seldom drive.