The Best Car Insurance in Montana for 2022

The best insurance companies provide a balance of strong customer service, affordability and financial stability. Using these criteria for its scoring system, MoneyGeek determined that State Farm is the best insurance company in Montana. This provider ranked above other companies for affordability and tied first place in customer satisfaction and claims.

That said, there may be other great options for certain drivers. For example, Hartford is an excellent insurance provider if you put the highest value on getting top-notch customer service.

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Last Updated: 11/8/2022
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The Best Car Insurance in Montana

If you’re not concerned with service quality and are simply looking for the most affordable option, MoneyGeek also researched the cheapest car insurance companies in Montana.

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Methodology

Why Trust MoneyGeek? Our scoring system for car insurance in Montana incorporates hundreds of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.

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Best Full Coverage Car Insurance Companies in Montana: Overall

State Farm was named Montana's best car insurance company.

The following are the best insurance providers in the state based on user satisfaction, average rates and claim ratings:

  • State Farm: MoneyGeek score of 81 out of 100 ($751 per year)
  • Allstate: MoneyGeek score of 77 out of 100 ($1,012 per year)

MoneyGeek has listed Montana's cheapest full coverage car insurance options if cost is your primary concern.

THE TOP CAR INSURANCE COMPANIES IN MONTANA

1
State FarmBest Overall
Score:81

4.2/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average annual cost of $751, State Farm received the highest affordability score and tied for first place in claims and user satisfaction. This provider also offers rideshare insurance.

Average Annual Cost: $751

More About State Farm

State Farm has coverages that other insurers commonly offer. Its roadside assistance coverage takes care of towing, mechanical and locksmith labor expenses. Also included is the delivery of gas, oil, battery or replacement tire. The rental car and/or travel reimbursement pays for car rental expenses and travel expenses if you are responsible for an accident involving your rental. This already includes meals, lodging and transportation. In addition, State Farm offers a unique optional coverage: rideshare insurance. With this benefit, your auto policy coverage remains in effect while working for a rideshare company. All coverage except liability insurance remains when you match with or are transporting a rider. This add-on is not automatically included in a standard policy.

2
Allstate
Score:77

3.4/5

Affordability

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average annual cost of $1,012, Allstate ranked second for affordability and tied for first place in user satisfaction and claims. This insurer also offers portable electronics and media coverage.

Average Annual Cost: $1,012

More About Allstate

On top of standard coverages such as roadside assistance and rental car and/or travel reimbursement, which most car insurance companies offer, Allstate also has many unique add-ons. For instance, Allstate is one of the few insurers providing new car replacement coverage, replacing your car with a new model if it is totaled. Allstate’s portable electronics and media insurance is another unique benefit covering drivers' tapes, compact discs and other sound-system items. This rare coverage applies to the policyholder and any relative in the car at the time of loss.

3
GEICO
Score:74

3.3/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

In Montana, GEICO’s car insurance policy costs an average of $1,058 per year. Along with ranking second for claims, the company tied first for customer satisfaction and received the third-highest affordability score. GEICO also offers accident forgiveness.

More About GEICO

With accident forgiveness coverage, your insurance rates won’t go up due to a first-time at-fault accident. You can purchase this coverage or earn it if you are over 21 years of age and have been accident-free for five years or more as a GEICO customer.

4
Farmers
Score:70

2.4/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

Costing an average of $1,320 annually, Farmers tied for first in user satisfaction and claims but ranked fifth for affordability. This provider also offers glass deductible modification.

More About Farmers

Farmers' glass deductible modification allows customers to reduce their comprehensive deductibles to $100 when losses are restricted to glass only. This coverage does not apply when the deductible is already $100.

5
Progressive
Score:70

2.7/5

Affordability

4/5

Claims

3.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Progressive offers a car insurance policy at an average annual cost of $1,224. It ranked second for user satisfaction, tied first for claims and fourth for affordability. Progressive also offers gap insurance.

More About Progressive

Progressive's gap insurance pays the difference between your auto loan amount and your vehicle’s value. It's available at an additional fee.

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HOW WE DETERMINED THE BEST INSURANCE IN MONTANA

To determine the cost of a full-coverage policy in Montana, MoneyGeek collected policy quotes for a sample driver across the state, along with claims rating and user satisfaction data from J.D. Power and the National Association of Insurance Commissioners (NAIC). These averages might differ for you, depending on your profile. Our methodology page offers more insight into the data analysis process.

MoneyGeek's Montana Car Insurance Resources:

Best Car Insurance in Montana for Customer Service

Regarding customer service, Hartford is the top car insurance provider in Montana.

The leading insurers for customer service in Montana are:

  • The Hartford: MoneyGeek score of 95 out of 100
  • Allstate: MoneyGeek score of 81 out of 100

MoneyGeek ranked the best vehicle insurance providers in Montana based on claims experience and customer satisfaction, not average premiums.

THE TOP TWO CAR INSURANCE COMPANIES IN MONTANA FOR SERVICE QUALITY

1
The HartfordBest for Customer Service
Score:95

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Hartford has a customer satisfaction rating of 4.5 out of 5 and 5 out of 5 for claims.

More About The Hartford

Hartford is MoneyGeek’s top pick due to its superior service, which comes in handy when you need to file a claim. Its accident forgiveness coverage spares you from dramatically increasing your insurance rates following your first accident. Still, you must have a clean driving record and be accident-free for five consecutive years to be eligible. Another unique benefit is gap insurance which is recommended for people with a leased or financed car. If your vehicle is stolen or totaled, this coverage will pay the difference between your car’s actual cash value and the amount you owe on your car loan. There’s also full glass coverage which helps to pay for your car’s headlights, window repairs and mirrors with no deductible.

2
Allstate
Score:81

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate scored 4 out of 5 for both user satisfaction and claims. This provider also features custom parts coverage.

More About Allstate

Allstate’s commitment to providing unparalleled customer service is reflected in its claim satisfaction guarantee, wherein customers who were unhappy with their customer experience can get their money back with no questions asked. This guarantee is unique to Allstate and is already included for free in its standard policies. Aside from providing excellent customer service, Allstate offers a rare optional benefit: new car replacement coverage. It’s a good option if your car is two (model) years old or newer. With this coverage, your car will be replaced with a new one of the same make and model if it is totaled. Other unique add-on benefits from Allstate are custom parts coverage and portable electronics and media coverage.

Best Car Insurance in Montana for Minimum Coverage

For consumers looking for policies that meet the state's minimum coverage requirements, State Farm is the best car insurance company in Montana.

Here are the top two affordable car insurers in Montana:

  • State Farm: MoneyGeek score of 79 out of 100 ($338 per year)
  • GEICO: MoneyGeek score of 76 out of 100 ($401 per year)

For those on a budget, MoneyGeek looked into the finest car insurance providers that met Montana’s minimum requirements and ranked them by price and customer service.

Alternatively, you may wish to explore MoneyGeek’s recommendations for companies offering the cheapest car insurance in Montana regardless of customer service.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable policy at an average of $338 per year

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Offers bundling and multiple car discounts

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Offers discounts on defensive driving

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Claims and satisfaction rating of 4 out of 5

cons

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Does not offer a discount on paperless billing and full annual payment

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Montana for Young Drivers and Students

State Farm is the greatest option for young drivers and students in Montana looking for the best car insurance rates.

For young drivers in Montana, here are MoneyGeek’s top picks:

  • State Farm: MoneyGeek score of 86 out of 100 ($1,863 per year)
  • Allstate: MoneyGeek score of 81 out of 100 ($2,123 per year)

Based on cost and customer service, MoneyGeek ranked the best insurance companies in Montana for students and young drivers. Young and inexperienced drivers are considered high-risk by insurance companies, resulting in higher premiums.

For this category, MoneyGeek narrowed its analysis to only include covered rates for drivers in their late teens to early 20s.

You may also explore MoneyGeek’s top picks for the cheapest car insurance in Montana for young drivers and students if you’re interested in finding the lowest rates.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable policy for adding a young driver at $1,863 per year

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Offers distant student, good student and drivers education discount

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User satisfaction and claims rating of 4 out of 5

cons

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Offers no discount on paperless billing

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Montana for Seniors

To help senior drivers find the best providers in Montana, MoneyGeek analyzed the cost of car insurance for older drivers alongside these companies’ customer service records.

Based on our extensive research, we highly recommend these top insurers for senior drivers in Montana:

  • State Farm: MoneyGeek score of 86 out of 100 ($723 per year)
  • Allstate: MoneyGeek score of 80 out of 100 ($1,050 per year)

To ensure that seniors find options that provide affordable rates without having to sacrifice great service, MoneyGeek factored in cost and service quality in the analysis.

For those whose only concern is affordability, consider MoneyGeek’s evaluation of the cheapest insurance providers for seniors in Montana.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Has affordable rates for Montana senior drivers priced at roughly $723 annually

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Offers standard coverages like roadside assistance and rental car reimbursement

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Has bundling options for multiple-car owners and defensive driving discounts

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Has a MoneyGeek rating of 4 out of 5 for both claims and user satisfaction

cons

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Doesn’t provide discounts specifically for seniors

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Doesn’t offer discounts for full payments

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No loyalty or legacy discounts

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Montana for Bad Driving Records

State Farm is Montana's best vehicle insurance company for customers with bad driving records.

According to our analysis, the best insurance providers for persons with bad driving records in Montana are:

  • State Farm: MoneyGeek score of 84 out of 100 ($864 per year)
  • Allstate: MoneyGeek score of 78 out of 100 ($1,348 per year)

Based on customer service and cost, MoneyGeek ranked the best insurance providers in Montana for people with bad driving records who have been in an at-fault accident.

Poor driving history can cause your insurance rates to increase significantly, but there are still ways to save. MoneyGeek has also researched the cheapest car insurance in Montana for those with a DUI or bad record to help you find the lowest available rates.

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable policy for drivers with poor records, at an average of $864 per year

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Offers roadside assistance and rental car or travel reimbursement coverage

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User satisfaction and claims rating of 4 out of 5

cons

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Does not offer accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement

COMPANY HIGHLIGHTS

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.
Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Montana for a Military Background

MoneyGeek’s data indicates that USAA is the best insurance company in Montana for military members and their families. Earning an impressive MoneyGeek score of 100 out of 100, the provider offers state minimum coverage costing an average of $181 per year. This company also provides an auto policy for people with bad driving records at an average annual cost of $700.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable auto policy for military members with bad driving records at an average of $700 per year

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Offers accident forgiveness and safe driving discount

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Claims and user satisfaction rating of 5 out of 5

cons

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Only available for military families

COMPANY HIGHLIGHTS

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.
Read MoneyGeek's USAA Auto Insurance Review

Best Car Insurance in Montana for Those With New Cars

MoneyGeek ranked the best car insurance providers in Montana based on new car replacement and superior car replacement coverage and found that Allstate is the highest-rated company in Montana for this category.

  • Allstate: MoneyGeek score of 77 out of 100 ($1,012 per year)

If your automobile is totaled in an accident within the first two to three years, new car replacement coverage reimburses the actual value of your car for one of the same make and model.

If the firm provides superior automobile replacement coverage, clients may be able to get a newer model car if their car is totaled. Drivers must pay a higher premium for this additional coverage.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Affordable car insurance policy at an average of $1,012 per year

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Offers new car replacement

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User satisfaction and claims rating of 4 out of 5

cons

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Does not offer better car replacement

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Montana for Low-Mileage Drivers

Nationwide SmartMiles is the most popular pay-per-mile coverage in Montana. More insurance firms around the country are offering pay-per-mile coverage where insurance cost is calculated based on the number of miles driven.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable for people who don’t drive much.

cons

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Can be more expensive for people who drive regularly

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Nationwide Auto Insurance Review

How to Find the Best Car Insurance in Montana For You

While shopping for the best car insurance policy, consider the company that best balances cost, customer service and financial stability. While MoneyGeek has compared this information for a sample driver, interested buyers should also shop around for quotes to find the best provider for their individual needs.

1

Research customer service reputations in Montana

MoneyGeek collected customer service reputation data, but drivers can also look up J.D. Power satisfaction scores and NAIC complaint ratios in your state. You can also explore the Montana Insurance Department’s website for more credible information.

2

Compare quotes for yourself

MoneyGeek has collected average car insurance rates for a sample driver across different locations in the state, but these figures may not apply to your specific area. You should check with at least three insurers and compare quotes to see if you can find a more affordable policy that fits your needs.

3

Make sure the company has coverage you want in Montana

Insurance companies may advertise various offers and discounts that may not be available in your area. Confirm with the insurance company if they offer the discounts and coverage that you are looking for.

4

Double-check financial stability ratings

Always make sure that the insurer you are opting for is financially stable. Large insurance companies tend to be financially stronger, and regional insurance companies in Montana may have lower ratings. A company's financial stability can also affect its claims processing times.

FAQs About the Best Car Insurance in Montana

The cost of car insurance in Montana depends on several factors, including coverage level. To help with your search, MoneyGeek has answered some frequently asked questions about car insurance in Montana.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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