The Cheapest Car Insurance in Montana for 2022

State Farm offers the cheapest car insurance in Montana, with an average premium of $319 per year.

MoneyGeek compared quotes from several car insurance companies in Montana to help you find the most affordable policy based on your driver profile. Your personal and financial needs affect the cost of your policy but shopping around can lead to savings. For instance, comparing quotes saves you an average of $758 per year in Montana.

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Last Updated: 12/1/2022
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If you’re looking for the cheapest car insurance based on your city, MoneyGeek researched the cheapest car insurance in Montana by city. We also found the insurers offering the best car insurance in Montana for drivers looking for a balance of customer service and cost.

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Methodology

Why Trust MoneyGeek? Montana car insurance rates in this study are based on our analysis of data and information from the Montana Department of Insurance and Quadrant Information Services.

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These rates were updated in August 2022 to reflect how car insurance rates in Montana have changed up to this month.

3,312

Quotes Analyzed

 
9

Companies Compared

 
23

ZIP Codes

Cheapest Minimum Liability Car Insurance in Montana

The cheapest car insurance policy in Montana is minimum liability coverage. This type of insurance 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, on average:

  • State Farm: $319 per year
  • GEICO: $379 per year

If you or a family member are in the military, USAA's $171 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 Allied, which costs an average of $610 per year.

CHEAPEST MINIMUM CAR INSURANCE IN MONTANA

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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 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 on average include:

  • State Farm: $709 per year
  • Allstate: $956 per year

For military families, USAA offers the most affordable full coverage policy in Montana, averaging $488 per year. Farmers charges the highest premium for full coverage insurance, costing an average of $1,247 annually.

CHEAPEST FULL COVERAGE CAR INSURANCE IN MONTANA

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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.

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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 $2,477 annually for a policy, while a 25-year-old pays an average of $1,009 per year.

MoneyGeek’s data shows that State Farm is most often the cheapest company for drivers between the ages of 16-25. However, Allied is the cheapest for drivers who are 16 years old.

ANNUAL CAR INSURANCE IN MONTANA FOR YOUNG DRIVERS

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $2,477
    Allied
    $1,826
  • $2,277
    State Farm
    $1,735
  • $2,057
    State Farm
    $1,570
  • $2,292
    State Farm
    $1,455
  • $2,029
    State Farm
    $1,302
  • $1,632
    State Farm
    $1,092
  • $1,502
    State Farm
    $1,016
  • $1,289
    State Farm
    $944
  • $1,171
    State Farm
    $883
  • $1,009
    State Farm
    $745

Insurance companies charge higher rates to insure young drivers as they have less experience on the road and are more likely to cause accidents. However, most insurers offer safe driving and a good student discount, helping you save on your policy as a college student.

On average, there is a price difference of around $1,081 for the cheapest company for a driver who is 16 years of age vs. a driver who is 25.

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 $1,166 per year, while a 40-year-old driver with a clean history pays an average of $1,149 annually.

On average, the cheapest full coverage providers in the state for senior drivers are:

  • State Farm: $683 per year
  • Allstate: $992 per year

The lowest premium for Montana seniors is only available to those with military affiliations. USAA's average annual rate is just $533. Farmers is the most expensive insurer at roughly $1,208 annually.

CHEAPEST CAR INSURANCE RATES FOR SENIORS

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As you age, your reflexes get slow and your eyesight declines, which could cause accidents. That’s why insurance companies consider it risky to insure seniors and charge higher rates. Montana’s law also requires drivers over 75 to renew their licenses and take vision and road tests every four years.

While insurers will give you expensive quotes, MoneyGeek found that seniors in the state can still find affordable policies by shopping around and comparing rates, helping them save as much as $525 annually.

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 $1,401 per year, which is approximately $252 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, on average:

  • State Farm: $763 per year
  • Allstate: $1,078 per year

For drivers with military affiliations, USAA's $635 average annual premium is the most affordable option. Farmers is the most expensive option at roughly $1,596 per year.

AVERAGE CAR INSURANCE RATES WITH A TICKET

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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 for Drivers With a DUI in Montana

On average, drivers with clean records in Montana pay $1,149 per year for insurance, while a driver with a DUI could pay $2,027 annually.

On average, the cheapest providers of full coverage car insurance for drivers with a DUI in Montana are:

  • State Farm: $763 per year
  • Allstate: $1,327 per year

If you are affiliated with the military, USAA's $964 annual average rate is another competitive option for a Montana driver with a DUI. The most expensive option is GEICO at an average of $2,823 annually.

AVERAGE CAR INSURANCE RATES WITH A DUI

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Drivers with a DUI conviction in Montana can face hefty fines and mandatory jail time. If you’re a first-time offender, you must spend a minimum of one night in jail but could spend up to six months. In addition, having a DUI can also increase your car insurance rates.

If you want to save on insurance costs after a DUI conviction, it’s best to shop around, as it could help you save as much as $2,060 annually.

Cheapest in Montana for Drivers With an At-Fault Accident

An at-fault accident on your driving record significantly impacts your car insurance rate. MoneyGeek’s data shows that drivers in Montana with an at-fault accident pay an average of $1,658 per year for a car insurance policy.

On average, the most affordable companies for people with an at-fault accident in Montana are:

  • State Farm: $816 on average per year
  • Allstate: $1,273 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 $661 annually. Farmers has the most expensive coverage for drivers with an accident on their record at roughly $1,808 annually.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT

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Cheapest Car Insurance 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 $1,955 per year. Drivers with good scores and a clean driving record pay an average of $1,149 annually.

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

  • State Farm: $1,315 per year
  • Allstate: $1,496 per year

Are you or a family member in the military? If so, USAA's $999 average annual rate is the most affordable option for a Montana driver with bad credit. Farmers is the most expensive option at roughly $2,072 annually.

CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT

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Based on data used by insurers, drivers with a lower credit score file more claims. That’s one of the reasons the insurance companies consider your credit score before giving you a quote for auto insurance.

Even with a bad credit history, you can still find affordable policies by comparing quotes. MoneyGeek found that shopping around could help drivers with a bad credit score save as much as $757 per year.

Cheapest Car Insurance in Montana for Military Drivers

USAA offers the cheapest auto insurance in Montana at an average of $171 per year, which is roughly $148 less than the cheapest widely-available insurer. Only active-duty military, veterans and their families are served by USAA, which provides benefits customized to these groups.

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MoneyGeek Top Pick
USAA
  • Average rate: $171 per year
  • Ranks 1st out of seven insurers

USAA has the best rates for military personnel and their families, with minimum liability car insurance costing an average of $171 per year. Saving more is possible with USAA. Eligible policyholders can maximize their insurer’s multiple discounts, including bundling, enrolling in a driver safety course and maintaining a clean driving record.

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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Car Insurance in Montana: What You Need to Know

Montana’s law requires each vehicle registered in the state to have liability insurance, whether anyone drives them or not.

Montana Insurance Requirements

If a police officer pulls you over or in an accident, you must show proof of insurance. If you don't have your physical insurance card, the police officer can use the Montana Insurance Verification System to check.

The state law requires every driver to have an insurance policy with at least 25/50/25 in liability limits. If you're looking for the cheapest car insurance, buying a policy with these limits would be ideal.

Getting insurance through Montana's assigned risk plan can be an option if you can't get market-rate insurance due to your record or claims history. However, consider it a last resort, as it can be pretty expensive.

You can also self-insure your car through surety bonds. However, it can be quite costly and risky. The surety bonds will satisfy the financial and legal insurance requirement but won't provide coverage, which means your assets would be at risk if you cannot pay the claim.

Based on the Insurance Information Institute's recommendations, you should buy enough coverage to protect your assets like your home or savings. Buying collision and comprehensive coverage can also be beneficial, as such coverages provide extra protection in case of an accident.

The state law requires every driver to have an insurance policy with at least 25/50/25 in liability limits. If you're looking for the cheapest car insurance, buying a policy with these limits would be ideal.

Getting insurance through Montana's assigned risk plan can be an option if you can't get market-rate insurance due to your record or claims history. However, consider it a last resort, as it can be pretty expensive.

You can also self-insure your car through surety bonds. However, it can be quite costly and risky. The surety bonds will satisfy the financial and legal insurance requirement but won't provide coverage, which means your assets would be at risk if you cannot pay the claim.

Based on the Insurance Information Institute's recommendations, you should buy enough coverage to protect your assets like your home or savings. Buying collision and comprehensive coverage can also be beneficial, as such coverages provide extra protection in case of an accident.

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:

About the Author


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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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