The Best Car Insurance in Montana for 2022

The best insurance companies provide a balance of strong customer satisfaction, along with affordability and financial stability. Based on these factors, State Farm is the best insurance company in Montana. This provider ranked above all over companies for affordability and tied for first place in customer satisfaction and claims.

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Last Updated: 5/13/2022
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MoneyGeek’s research indicates that State Farm is the best insurance company in Montana. However, each consumer's needs differ, so interested buyers should also compare rates for their own research. We have broken down different insurance providers by customer service, cost and other important factors.

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

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The Best Car Insurance in Montana

Best Car Insurance Companies in Montana: Overall

MoneyGeek scored the top car insurance companies in Montana based on user satisfaction, average rates and claims ratings. Based on these factors, the best insurance provider in the state are:

  • State Farm: 4 out of 5
  • Allstate: 3.9 out of 5

Our data shows that USAA is the best insurance provider in the state, with a score of 5 out of 5 across all categories. However, we excluded the provider from this analysis as it only offers policies to military members and their families.

The Top 5 Car Insurance Companies in Montana

1
State Farm
Score:4.1

4.2/5

Affordability

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 in claims and user satisfaction. The provider also offers rideshare insurance.

More About State Farm

With State Farm’s rideshare insurance coverage, your personal auto policy coverage remains in effect while working for rideshare companies. When you match with or are transporting a rider, all coverage except liability insurance remains. This added coverage is not automatically included in drivers' policies.

Read MoneyGeek's State Farm auto Insurance Review
2
Allstate
Score:3.9

3.4/5

Affordability

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.

More About Allstate

Allstate’s portable electronics and media insurance covers drivers' tapes, compact discs and any other items associated with their vehicles' sound systems. This coverage applies to the property owned by the policyholder or any relative in the car at the time of loss. This additional coverage is rarely offered by insurance providers.

Read MoneyGeek's Allstate auto Insurance Review
3
GEICO
Score:3.7

3.3/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO’s car insurance policy costs an average of $1,058 per year in Montana. 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 in case of a first 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.

Read MoneyGeek's GEICO auto Insurance Review
4
Farmers
Score:3.5

2.4/5

Affordability

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.

Read MoneyGeek's Farmers auto Insurance Review
5
Progressive
Score:3.5

2.7/5

Affordability

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 in second place for user satisfaction, tied first for claims and ranked 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. This additional coverage, not automatically added to your coverage, costs a bit extra.

Read MoneyGeek's Progressive auto Insurance Review
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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:

Compare the Best Insurance Options in Montana

The best car insurance policy depends on cost, service and financial stability. However, the best policy for you depends on your specific standards and whether the insurance company offers policies that meet them. Our in-depth reviews offer information on the best car insurance companies in Montana.

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Best Car Insurance in Montana for Customer Service

MoneyGeek scored the best car insurance companies in Montana based on claims ratings and user satisfaction without factoring in their average premiums.

Based on these ratings, the top car insurance companies in Montana are:

  • The Hartford: 4.7 out of 5
  • Allstate: 4 out of 5
The Top 2 Car Insurance Companies in Montana for Service Quality

1
The Hartford
Score:4.7

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

This company has a customer satisfaction score of 4.5 out of 5 and a 5 out of 5 claims rating.

More About The Hartford

The Hartford offers full glass coverage to its customers. This coverage helps to pay for your car’s headlights, window repairs and mirrors with no deductible.

Read MoneyGeek's The Hartford auto Insurance Review
2
Allstate
Score:4

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

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

More About Allstate

Allstate's custom parts coverage for any losses related to custom equipment installed in your vehicle, including carpeting, murals, decals and graphics.

Read MoneyGeek's Allstate auto Insurance Review

Best Car Insurance in Montana for Drivers on a Budget

MoneyGeek researched the best car insurance companies in Montana for people seeking policies that meet the state's minimum coverage. We scored these companies based on affordability and customer service.

Based on these factors, the top car insurance companies in Montana are:

  • State Farm: 4 out of 5
  • GEICO: 3.8 out of 5

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.

You can also save on insurance premiums if you install an anti-theft system in your car and complete a defensive driving course. The company discounts drivers who lower their risk on the road.

Best Car Insurance in Montana for Poor Driving Records

MoneyGeek scored the best insurance companies in Montana based on customer service and affordability for people with bad driving records who have an at-fault accident under their name.

Based on these factors, the top insurance companies in Montana are:

  • State Farm: 4.2 out of 5
  • Allstate: 3.9 out of 5

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 costs an average of $864 per year and received a 4 out of 5 rating for both user satisfaction and claims.

The company offers the following coverage:

  • Roadside Assistance: This service helps to pay for assistance if your car breaks down on the road.
  • Rental Car or Travel Cost Reimbursement: This coverage helps drivers pay for rental car or travel costs during repairs after getting damages incurred in covered accidents.

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. With a MoneyGeek score of 5 out of 5 across all categories, the provider offers state minimum coverage costs at an average of $181 per year. For people with bad driving records, this company offers an auto policy 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 the most affordable car insurance policies and the best service ratings in the country. This provider also maintains a strong reputation among its customers.

The company offers the following coverage and discounts:

  • 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 personal auto policy and your ridesharing company’s commercial policy when transporting customers or waiting for a rider.
  • Safe Driving Discount: You can receive a discount for maintaining a good driving record for five years.
  • Vehicle Storage Discount: Drivers can save up to 60% on insuring a stored car.

Best Car Insurance in Montana for Young Drivers and Students

MoneyGeek scored the best insurance companies in Montana for students and young drivers based on cost and customer service. Insurance providers consider young and inexperienced drivers as high-risk individuals, which drives up premium costs.

The top car insurance companies in Montana for students and young drivers are:

  • State Farm: 4.3 out of 5
  • Allstate: 4 out of 5

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

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, making helpful customer service that much more important.

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

Best Car Insurance in Montana for Those With New Cars

MoneyGeek analyzed the best car insurance companies in Montana and scored them based on new car replacement and better car replacement coverage. With new car replacement coverage, the insurance company reimburses you for the actual value of the same make and model of the car if it is damaged in an accident in the first few years. If the company offers better car replacement coverage, drivers can receive a new car of a newer model in the event of a vehicle being totaled. This additional coverage requires drivers to pay more for their policies.

For this category, Allstate is the highest-rated company in the state, with a MoneyGeek score of 3.9 out of 5.

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 makes it a good option for first-time drivers or new drivers. In case of an accident, your car loses its value even after being repaired. With this coverage, you can become compensated for your loss according to the actual worth of your car.

This company offers to replace your car completely with a new model if your car gets damaged in an accident and is two model years old or less.

Best Car Insurance in Montana for Low-Mileage Drivers

More insurance companies across the country continue to introduce pay-per-mile coverage. With these policies, drivers pay according to the number of miles they drive. In Montana, Nationwide SmartMiles is the top pay-per-mile program.

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 a base rate and a variable rate, depending on how much you drive. 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.

How to Find the Best Car Insurance in Montana in 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.

Methodology

MoneyGeek collected information on car insurance costs in Montana in collaboration with Quadrant Information Services. These costs relate to a sample driver and policy described on our methodology page unless noted otherwise.

We calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the NAIC. MoneyGeek collected information on coverage and discounts from insurance companies from insurer websites or by using their quote tools.

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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