The Cheapest Car Insurance in Montana for 2022

MoneyGeek gathered rates from insurance companies in Montana to help you find cheap car insurance. The data found State Farm is the cheapest company for a sample driver, and you can save up to $1,545 by shopping around.

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Although State Farm is the cheapest car insurance company for MoneyGeek’s sample driver, factors like age, driving history, coverage amount and credit score affect car insurance rates in Montana.

State Farm is the best option for all kinds of drivers, from those with a DUI to seniors. For veterans or active military, USAA is the cheapest car insurance option in Montana.

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Cheapest Minimum Liability Car Insurance in Montana

The cheapest car insurance policy in Montana is minimum liability coverage. This type of insurance only meets the state’s minimum requirements for insurance coverage. It provides very limited protection to drivers.

Based on MoneyGeek’s research, the cheapest insurers for minimum liability coverage in Montana are:

  • State Farm: $338 per year
  • GEICO: $401 per year

If you or a family member are in the military, USAA's $181 average annual premium for minimum coverage in Montana is the most affordable option. The company with the highest premium for minimum liability insurance in the state is MetLife, which costs an average of $876 per year.

Cheapest Minimum Car Insurance in Montana
  • Company
    Annually
    Monthly
  • 1.
    $181
    $15
  • 2.
    $338
    $28
  • 3.
    $401
    $33
  • 4.
    $535
    $45
  • 5.
    $543
    $45

These prices are only estimates based on rates for an average Montana driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Montana

Full coverage policies in Montana provide higher liability limits and comprehensive coverage that protects you from road-based and off-road accidents. While full coverage rates are costlier than minimum liability insurance, the policy covers damage to your car. By comparing quotes from several carriers, you can find the lowest car insurance rates.

Based on MoneyGeek’s scores, the companies offering the cheapest full auto insurance coverage in Montana include:

  • State Farm: $751 per year
  • Allstate: $1,012 per year

For military families, USAA offers the most affordable full coverage policy in Montana, averaging $517 per year. MetLife charges the highest premium for full coverage insurance, costing an average of $2,062 annually.

Cheapest Full Coverage Car Insurance in Montana

Your rates may differ from these averages based on your unique circumstances. These rates represent a policy that provides comprehensive and collision coverage of $100,000 in bodily injury liability per person, $300,000 in bodily injury coverage per accident and $100,000 in coverage for property damage per accident.

How to Compare Cheap Montana Car Insurance Quotes Online

Most auto insurance companies in Montana provide customers with personalized quotes through their websites. These quotes are reasonably accurate.

  • When shopping for car insurance, provide consistent limits to all the providers. For instance, if you request a quote for a policy with $300,000 in bodily liability insurance per accident from one provider, specify the same amount for quotes from other providers.
  • Without entering your personal information, use MoneyGeek’s car insurance calculator to get a quote estimate. If you want a more personalized quote, you do need to include more information. You may also use MoneyGeek’s scores to identify which websites to visit for quotes.
  • According to MoneyGeek, USAA, State Farm and GEICO provide the lowest car insurance rates in Montana. Consider starting your search with these options.

Auto Insurance Calculator

State

Montana

Age

40

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$177

3.

GEICO

$393

Cheapest Car Insurance for Drivers With a DUI in Montana

Montana drivers with severe driving violations, such as a DUI, are regarded as high-risk by insurers and will pay pricier car insurance premiums. On average, drivers with clean records in Montana pay $1,216 per year for insurance, while a driver with a DUI could pay $2,146 annually.

The cheapest providers of full coverage car insurance for drivers with a DUI in Montana are:

  • State Farm: $807 per year
  • Allstate: $1,405 per year

If you are affiliated with the military, USAA's $1,021 annual average rate is another competitive option for a Montana driver with a DUI.

Average Car Insurance Rates With a DUI

From 2009-2018, 786 people in Montana died in alcohol-related car accidents. 2.2% of drivers in Montana say they've driven after drinking too much in the past 30 days.

Being convicted of a DUI in Montana could lead to hefty fines and jail time. Even first-time offenders have to spend a minimum of one night in jail and could spend up to six months in jail. After a second or third offense, the driver could face up to one year in jail.

Getting a DUI doesn’t only have legal consequences. A DUI will also raise your car insurance rates in Montana.

The cost of a DUI goes beyond court fees or fines. Having a DUI on your record doubles your car insurance rates. The DUI will affect your insurance for at least three years. In some places, it could stay on your record for five or more years. The best option to get cheap car insurance with a DUI in Montana is to shop around for the best rate.

Cheapest Car Insurance in Montana for Drivers With an At-Fault Accident

An at-fault accident on your driving record significantly impacts your car insurance policy rate. MoneyGeek’s data shows that drivers in Montana with an at-fault accident pay an average of $1,623 per year for a car insurance policy.

The most affordable companies for people with an at-fault accident in Montana are:

  • State Farm: $864 on average per year
  • Allstate: $1,348 on average per year

If you have a military background, USAA offers the cheapest car insurance policy in Montana after an accident with an average cost of $700 annually.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Montana

Montana drivers who have a minor violation, such as a speeding ticket, pay more for car insurance. The average car insurance cost for a driver with speeding tickets is $1,483 per year, which is $267 higher than what drivers with no violations pay.

Based on MoneyGeek’s study, the best insurance companies for drivers with speeding tickets in Montana are:

  • State Farm: $807 per year
  • Allstate: $1,141 per year

For those of you with military affiliations, USAA's $672 average annual premium is the most affordable option.

Average Car Insurance Rates With a Ticket

A report by the National Highway Traffic Safety Administration shows in 2018, 168 crashes in Montana were caused by distracted driving. If you cause an accident because of distracted driving or get a moving violation like a speeding ticket, you can expect your car insurance rates to increase. The following estimates reflect what drivers in Montana can expect to pay if they get a ticket for speeding or distracted driving.

A ticket will likely stay on your car insurance for three years or more, keeping your insurance rates higher than usual. You may have trouble finding cheap car insurance after getting a ticket for speeding or distracted driving in Montana. Getting quotes from multiple companies will help you find the lowest price.

Cheapest Car Insurance Companies in Montana for Drivers With Bad Credit

Drivers with bad credit scores in Montana tend to pay more than those with good scores. On average, drivers with low scores pay $2,068 per year. Drivers with good scores and a clean driving record pay an average of $1,216 annually.

MoneyGeek found that insurers with the lowest full coverage rates for drivers with bad credit scores in the state include:

  • State Farm: $1,392 per year
  • Allstate: $1,584 per year

Are you or a family member in the military? If so, USAA's $1,058 average annual rate is the most affordable option for a Montana driver with bad credit.

Average Car Insurance Rates for Drivers With Bad Credit

Some car insurance companies look at your credit history when creating your quote. Data used by insurance providers suggests that drivers with lower credit scores file more claims.

The average credit score in Montana is 720, which is often considered a good score. Even if you have a lower score, you can still find cheap insurance.

Your credit score might play a role in your car insurance rates, but other factors also make a difference.

Cheapest Car Insurance in Montana for Seniors

Senior drivers in Montana are charged more for car insurance than middle-aged drivers and young adults. The average cost of car insurance for senior drivers in the state is $1,234 per year, while a 40-year-old driver with a clean history pays an average of $1,216 annually.

The cheapest full coverage providers in the state for senior drivers are:

  • State Farm: $723 per year
  • Allstate: $1,050 per year

The lowest premium for Montana seniors is only available to those with military affiliations. USAA's average annual rate is just $564.

Average Car Insurance Rates for Seniors

Senior drivers in Montana were involved in 36 fatal crashes in 2017. Getting older often means slower reflexes and declining eyesight, which leads to higher insurance rates for seniors. Drivers over age 75 must renew their licenses and take tests for vision and road signs every four years in Montana.

The above chart details what senior drivers can expect to pay for auto insurance in Montana.

Although you may see higher car insurance rates as a senior, you should get multiple quotes to find cheap car insurance for seniors in Montana.

Cheapest Car Insurance in Montana for Young Drivers

Usually, young drivers in Montana get expensive car insurance quotes from insurance providers because they don’t have much driving experience. For example, a 16-year-old in Montana pays an average of $2,622 annually for a policy, while a 25-year-old pays an average of $1,068 per year.

MoneyGeek’s data shows that State Farm is most often the cheapest company for drivers between the ages of 16-25.

Annual Car Insurance In Montana for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • 16
    $2,622
    Allied
    $1,933
  • 17
    $2,411
    State Farm
    $1,837
  • 18
    $2,177
    State Farm
    $1,662
  • 19
    $2,427
    State Farm
    $1,540
  • 20
    $2,149
    State Farm
    $1,378
  • 21
    $1,728
    State Farm
    $1,156
  • 22
    $1,590
    State Farm
    $1,076
  • 23
    $1,364
    State Farm
    $1,000
  • 24
    $1,240
    State Farm
    $935
  • 25
    $1,068
    State Farm
    $789

Students cost the most to insure due to their relative inexperience behind the wheel, so you can expect your insurance rates to go up if you add your child to your policy. Most insurance companies offer discounts, so your student can help keep costs down by getting good grades and being a safe driver. Compare quotes from several different insurers to find the lowest rates.

Insurance Rate Information for Military Drivers and Veterans

Montana has over 3,300 active-duty military personnel and nearly 100,000 veterans. When comparing insurance rates for your vehicle, be sure to mention if you are an active-duty military member or a veteran. Some Montana car insurance companies offer military discounts. Others may have special arrangements for active-duty military members who may be deployed out of state. Check out the following table to see estimates of what active-duty and veteran military members will pay for auto insurance in Montana.

Average Rates for Montana service members

male
25 years$1,111
50 years$922
female
25 years$1,111
50 years$922

Car Insurance in Montana: What You Need to Know

All vehicles registered in Montana must have liability insurance, whether anyone drives them or not.

Proof of Insurance in Montana

You must show proof of car insurance to a police officer if they pull you over or you’re in an accident. Most drivers have a physical insurance card, but if you can’t find it or don’t have it, the officer can use the Montana Insurance Verification System to check.

Minimum Liability Insurance Requirements in Montana

Montana requires relatively low limits for liability insurance:

  • $25,000 for bodily injuries to one person
  • $50,000 for bodily injuries per accident
  • $25,000 for property damage

High-Risk Auto Insurance Program in Montana

If you cannot get market-rate insurance because of your driving record or due to a history of claims, you can get insurance through the state's assigned risk plan. The Montana Auto Insurance Plan is part of the Western Association of Automobile Insurance Plans (WAAIP). This should be a last resort since you are likely to pay a much higher rate through an assigned risk plan than in the regular insurance market.

Alternatives to Insurance in Montana

You can choose to self-insure your car in Montana through surety bonds, but this is a risky and expensive choice. Surety bonds allow you to satisfy the financial and legal requirements of insurance, but you don’t have insurance coverage. That means your home, wages and other assets could be at risk in the event you can’t pay a claim against you.

How Much Coverage Do You Need in Montana?

The minimum coverage levels required by law may seem impressive, but they might not cover all of your costs in an accident. The Insurance Information Institute recommends buying enough coverage to protect assets like your home or savings.

Experts also recommend collision and comprehensive coverage for any vehicle you're not planning on driving to the junkyard within a few years. Unlike other policies, these types of coverage look after your vehicle in case of accidents — both on the roadway and off.

Cheapest Car Insurance in Montana by City

The average car insurance rates in Montana may differ depending on where you live in the state. For example, in Billings, the average cost of a full coverage auto policy is $1,216. If you live in a more rural area, your rate may be lower.

You can find more information about insurance rates in your area by clicking your city below.

Average Insurance Rate by City in Montana

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FAQs About Car Insurance in Montana

The most common questions about car insurance in Montana are often centered around costs and coverage limits. Some that you may come across are:

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About the Author


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Karon Warren is a professional journalist who has covered personal finance, health insurance, home insurance, car insurance, mortgages, banking and more for two decades.

Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is also a member of the American Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make informed financial decisions that best serve their financial goals.


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