Compare Rates and Save on Auto Insurance

widget-location-pin

State Farm is the cheapest company for the average driver looking for minimum coverage.

MoneyGeek ranked the best insurance companies in Montana for drivers that want to compare insurers by affordability and service quality.

MoneyGeek Logo IconCheapestCar InsuranceMontana
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Montana (September 2023)

The cheapest car insurance meets at least the minimum coverage requirements. The companies offering the most affordable minimum car insurance in Montana are:

  • State Farm: $176 per year
  • Nationwide: $177 per year

The most expensive company is Allstate, with policies that cost $686 per year.

The minimum coverage policy only covers bodily injury liability and property damage liability.

Company
Annual Premium
Monthly Premium

State Farm

$163

$14

Nationwide

$166

$14

State Farm

$176

$15

Nationwide

$177

$15

State Farm

$197

$16

Nationwide

$229

$19

Farmers

$321

$27

Farmers

$342

$28

GEICO

$371

$31

GEICO

$380

$32

Progressive

$386

$32

GEICO

$398

$33

Farmers

$404

$34

Progressive

$413

$34

Progressive

$465

$39

Kemper

$537

$45

Kemper

$564

$47

Nationwide

$584

$49

State Farm

$584

$49

State Farm

$658

$55

Nationwide

$679

$57

Allstate

$686

$57

Kemper

$699

$58

Allstate

$702

$58

Allstate

$722

$60

State Farm

$725

$60

Nationwide

$810

$68

Farmers

$932

$78

Farmers

$1,021

$85

Progressive

$1,086

$90

Progressive

$1,189

$99

Farmers

$1,207

$101

Allstate

$1,240

$103

Allstate

$1,256

$105

Allstate

$1,317

$110

Kemper

$1,323

$110

GEICO

$1,341

$112

GEICO

$1,411

$118

Progressive

$1,449

$121

GEICO

$1,470

$123

Kemper

$1,559

$130

Kemper

$2,109

$176

A minimum coverage policy covers damages and injuries inflicted on other drivers and their vehicles in an accident. This coverage does not include your vehicle.

To ensure that you have coverage that will pay for the cost of damages to your car, you’ll want to purchase a full coverage policy with comprehensive and collision insurance.

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in Montana (September 2023)

MoneyGeek found the cheapest full coverage auto insurance in Montana. These companies are:

  • State Farm: $658 per year
  • Nationwide: $679 per year

Kemper sells full coverage policies at an average of $1,559 per year — the most expensive in Montana.

Getting full coverage is a greater financial investment. For example, adding comprehensive and collision insurance to a Nationwide policy costs an additional $502 per year.

Although this is a significant difference, a full coverage policy will financially protect you from various accidents. At this cost, you are protected against huge expenses incurred from on-road incidents like hitting a tree or experiencing a hit-and-run and off-road incidents like flooding and storms.

Company
Annual Premium
Monthly Premium

State Farm

$163

$14

Nationwide

$166

$14

State Farm

$176

$15

Nationwide

$177

$15

State Farm

$197

$16

Nationwide

$229

$19

Farmers

$321

$27

Farmers

$342

$28

GEICO

$371

$31

GEICO

$380

$32

Progressive

$386

$32

GEICO

$398

$33

Farmers

$404

$34

Progressive

$413

$34

Progressive

$465

$39

Kemper

$537

$45

Kemper

$564

$47

Nationwide

$584

$49

State Farm

$584

$49

State Farm

$658

$55

Nationwide

$679

$57

Allstate

$686

$57

Kemper

$699

$58

Allstate

$702

$58

Allstate

$722

$60

State Farm

$725

$60

Nationwide

$810

$68

Farmers

$932

$78

Farmers

$1,021

$85

Progressive

$1,086

$90

Progressive

$1,189

$99

Farmers

$1,207

$101

Allstate

$1,240

$103

Allstate

$1,256

$105

Allstate

$1,317

$110

Kemper

$1,323

$110

GEICO

$1,341

$112

GEICO

$1,411

$118

Progressive

$1,449

$121

GEICO

$1,470

$123

Kemper

$1,559

$130

Kemper

$2,109

$176

How much car insurance you need will greatly affect your car insurance rate. MoneyGeek’s recommendations for a full coverage policy specifically have the following liability protection:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

The above amounts are the coverage limits that we think are sufficient for average drivers. To save on premiums, you can opt for lower liability limits by dropping the comprehensive and collision insurance or raising the deductible. However, doing so risks having insufficient coverage in an accident.

How to Compare Cheap Montana Car Insurance Quotes Online

Many insurers allow prospective drivers to see their rates online. However, it can take up to 15 minutes to see just one sample quote, and you will still have to check quotes across multiple websites to compare your options.

MoneyGeek’s insurance calculator is a useful tool for checking your rates. Our free tool gives you a quick estimate of your auto insurance without you having to provide any personal information. MoneyGeek estimates can be a great starting point when comparing companies and finding the cheapest insurance rates for your profile.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Montana
Female
30-65
Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

USAA

Cheapest Car Insurance in Montana by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Montana. Across the board, MoneyGeek found that Progressive, State Farm and Nationwide offer the cheapest options for teens, seniors, and young adults, respectively.

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Progressive
Cheapest for young adults: State Farm
Cheapest for seniors: Nationwide and State Farm

Cheapest Car Insurance in Montana for Teens and Their Families (September 2023)

The cheapest full coverage car insurance companies in Montana for teens are:

  • Progressive: $1,601 per year for male and female teens
  • Allstate: $1,740 per year for male and female teens

Kemper is the most expensive company for teens, offering full coverage at $7,535 per year.

As the teen policyholder gets older, his car insurance rates significantly decrease. The cheapest car insurance provider for 19-year-old males in Montana is Progressive ($1,206).

Montana teen drivers pay around $6,100 for car insurance per year, but being included in their family’s policy costs only approximately $2,899 per year. This gives as much as $3,201 in savings each year if teens join a family policy instead of buying their own.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$604

$882

State Farm

$718

$1,048

Progressive

$721

$650

Progressive

$721

$650

State Farm

$760

$1,110

State Farm

$816

$1,191

Progressive

$834

$751

Progressive

$834

$751

State Farm

$883

$882

Allstate

$891

$1,106

Allstate

$891

$1,106

Progressive

$923

$832

Progressive

$923

$832

Progressive

$931

$2,036

Progressive

$931

$2,036

Allstate

$951

$1,680

Allstate

$951

$1,680

GEICO

$974

$1,406

GEICO

$974

$1,406

Allstate

$991

$1,229

Allstate

$991

$1,229

Progressive

$1,001

$1,125

Progressive

$1,001

$1,125

State Farm

$1,049

$1,048

Allstate

$1,072

$4,189

Allstate

$1,072

$4,189

Progressive

$1,105

$995

Progressive

$1,105

$995

Allstate

$1,111

$1,377

Allstate

$1,111

$1,377

State Farm

$1,111

$1,110

GEICO

$1,147

$1,655

GEICO

$1,147

$1,655

State Farm

$1,150

$1,275

State Farm

$1,150

$1,275

Progressive

$1,176

$2,570

Progressive

$1,176

$2,570

Nationwide

$1,179

$1,405

Nationwide

$1,179

$1,405

State Farm

$1,192

$1,191

Nationwide

$1,195

$3,227

Nationwide

$1,195

$3,227

Allstate

$1,205

$2,129

Allstate

$1,205

$2,129

Progressive

$1,206

$1,355

Progressive

$1,206

$1,355

Nationwide

$1,227

$1,909

Nationwide

$1,227

$1,909

Allstate

$1,237

$1,534

Allstate

$1,237

$1,534

Progressive

$1,242

$1,396

Progressive

$1,242

$1,396

GEICO

$1,287

$1,857

GEICO

$1,287

$1,857

Nationwide

$1,337

$3,612

Nationwide

$1,337

$3,612

Farmers

$1,376

$1,891

Farmers

$1,376

$1,891

State Farm

$1,379

$1,528

State Farm

$1,379

$1,528

Nationwide

$1,398

$1,666

Nationwide

$1,398

$1,666

Allstate

$1,431

$2,529

Allstate

$1,431

$2,529

Allstate

$1,438

$5,620

Allstate

$1,438

$5,620

Nationwide

$1,452

$1,731

Nationwide

$1,452

$1,731

State Farm

$1,522

$1,926

State Farm

$1,522

$1,926

Nationwide

$1,522

$1,814

Nationwide

$1,522

$1,814

State Farm

$1,531

$1,697

State Farm

$1,531

$1,697

Progressive

$1,601

$3,500

Progressive

$1,601

$3,500

Nationwide

$1,653

$2,572

Nationwide

$1,653

$2,572

State Farm

$1,666

$2,109

State Farm

$1,666

$2,109

Allstate

$1,740

$6,800

Allstate

$1,740

$6,800

GEICO

$1,779

$2,982

GEICO

$1,779

$2,982

Farmers

$1,817

$5,102

Farmers

$1,817

$5,102

GEICO

$1,823

$4,705

GEICO

$1,823

$4,705

Nationwide

$1,824

$2,837

Nationwide

$1,824

$2,837

State Farm

$1,881

$2,380

State Farm

$1,881

$2,380

GEICO

$1,906

$2,749

GEICO

$1,906

$2,749

Nationwide

$1,983

$5,357

Nationwide

$1,983

$5,357

GEICO

$2,022

$5,218

GEICO

$2,022

$5,218

Farmers

$2,029

$1,579

Farmers

$2,029

$1,579

Farmers

$2,059

$5,782

Farmers

$2,059

$5,782

Farmers

$2,072

$1,613

Farmers

$2,072

$1,613

GEICO

$2,128

$3,568

GEICO

$2,128

$3,568

Farmers

$2,156

$1,678

Farmers

$2,156

$1,678

Kemper

$2,215

$2,196

Kemper

$2,215

$2,196

Farmers

$2,224

$3,057

Farmers

$2,224

$3,057

Farmers

$2,286

$1,779

Farmers

$2,286

$1,779

Kemper

$2,335

$2,315

Kemper

$2,335

$2,315

GEICO

$2,357

$3,950

GEICO

$2,357

$3,950

Farmers

$2,472

$3,396

Farmers

$2,472

$3,396

Kemper

$2,532

$2,511

Kemper

$2,532

$2,511

GEICO

$2,611

$6,739

GEICO

$2,611

$6,739

Kemper

$2,769

$2,746

Kemper

$2,769

$2,746

Farmers

$2,941

$8,261

Farmers

$2,941

$8,261

Kemper

$3,078

$3,106

Kemper

$3,078

$3,106

Kemper

$4,042

$4,079

Kemper

$4,042

$4,079

Kemper

$4,199

$5,387

Kemper

$4,199

$5,387

Kemper

$4,702

$4,745

Kemper

$4,702

$4,745

Kemper

$5,178

$6,643

Kemper

$5,178

$6,643

Kemper

$7,535

$9,667

Kemper

$7,535

$9,667

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families looking to save on car insurance may be able to get discounts for young drivers.

Progressive and State Farm offer both distant student discounts and good student discounts for young drivers.

Cheapest Car Insurance in Montana for Young Adults (September 2023)

The following companies offer the cheapest full coverage car insurance in Montana for 25-year-old drivers:

  • State Farm: $725 per year
  • Nationwide: $810 per year

Kemper offers the most expensive policies at $2,109 per year.

In Montana, drivers in their 20s are far more expensive to insure than middle aged-drivers. Nationwide's policies for 40-year-old drivers are $131 cheaper annually than for 25-year-old drivers. State Farm's policies for 40-year-old drivers are $71 cheaper annually than for 25-year-old drivers.

Company
Annual Premium
Monthly Premium

State Farm

$163

$14

Nationwide

$166

$14

State Farm

$176

$15

Nationwide

$177

$15

State Farm

$197

$16

Nationwide

$229

$19

Farmers

$321

$27

Farmers

$342

$28

GEICO

$371

$31

GEICO

$380

$32

Progressive

$386

$32

GEICO

$398

$33

Farmers

$404

$34

Progressive

$413

$34

Progressive

$465

$39

Kemper

$537

$45

Kemper

$564

$47

Nationwide

$584

$49

State Farm

$584

$49

State Farm

$658

$55

Nationwide

$679

$57

Allstate

$686

$57

Kemper

$699

$58

Allstate

$702

$58

Allstate

$722

$60

State Farm

$725

$60

Nationwide

$810

$68

Farmers

$932

$78

Farmers

$1,021

$85

Progressive

$1,086

$90

Progressive

$1,189

$99

Farmers

$1,207

$101

Allstate

$1,240

$103

Allstate

$1,256

$105

Allstate

$1,317

$110

Kemper

$1,323

$110

GEICO

$1,341

$112

GEICO

$1,411

$118

Progressive

$1,449

$121

GEICO

$1,470

$123

Kemper

$1,559

$130

Kemper

$2,109

$176

Cheapest Car Insurance in Montana for Seniors (September 2023)

For senior drivers, the cheapest full coverage car insurance companies in Montana are the following:

  • Nationwide and State Farm: $584 per year
  • Farmers: $932 per year

The most expensive company is GEICO, which sells policies at an average of $1,411 per year.

Senior drivers pay slightly less for car insurance than middle-aged drivers. Nationwide’s insurance for a 65-year-old driver is $95 cheaper than a comparative policy for a 40-year-old driver.

Car insurance rates tend to increase as drivers reach the age of 70, as they pose a higher risk on the road.

Company
Annual Premium
Monthly Premium

State Farm

$163

$14

Nationwide

$166

$14

State Farm

$176

$15

Nationwide

$177

$15

State Farm

$197

$16

Nationwide

$229

$19

Farmers

$321

$27

Farmers

$342

$28

GEICO

$371

$31

GEICO

$380

$32

Progressive

$386

$32

GEICO

$398

$33

Farmers

$404

$34

Progressive

$413

$34

Progressive

$465

$39

Kemper

$537

$45

Kemper

$564

$47

Nationwide

$584

$49

State Farm

$584

$49

State Farm

$658

$55

Nationwide

$679

$57

Allstate

$686

$57

Kemper

$699

$58

Allstate

$702

$58

Allstate

$722

$60

State Farm

$725

$60

Nationwide

$810

$68

Farmers

$932

$78

Farmers

$1,021

$85

Progressive

$1,086

$90

Progressive

$1,189

$99

Farmers

$1,207

$101

Allstate

$1,240

$103

Allstate

$1,256

$105

Allstate

$1,317

$110

Kemper

$1,323

$110

GEICO

$1,341

$112

GEICO

$1,411

$118

Progressive

$1,449

$121

GEICO

$1,470

$123

Kemper

$1,559

$130

Kemper

$2,109

$176

Seniors looking to save on car insurance can get discounts with certain insurers. Based on MoneyGeek’s gathered data, Allstate, Farmers, GEICO and Kemper are the insurers that offer discounts for senior drivers.

Comparing multiple insurers to see which is cheapest for you is essential, as many factors besides age are used in rating individual policies.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

Safe drivers generally pay cheaper insurance than drivers with bad driving records. However, you can still find affordable rates through comparison shopping.

MoneyGeek’s research shows Progressive offers the cheapest insurance after a ticket, an accident or a DUI.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: State Farm ($713 per year)
Cheapest after an accident: State Farm ($763 per year)
Cheapest after a DUI: State Farm ($713 per year)
Cheapest for poor credit: Nationwide ($867 per year)
Cheapest for sports cars: Nationwide ($820 per year)

Cheapest Car Insurance in Montana After a Ticket

If you have received a speeding ticket, the following companies offer the most affordable rates for a full coverage policy:

  • State Farm: $713 per year
  • Nationwide: $854 per year

The most expensive company for drivers with a ticket is Kemper at $1,808 per year. A speeding ticket might increase your insurance premiums by as much as $183 on average.

Company
Annual Premium
Monthly Premium

State Farm

$184

$15

State Farm

$199

$17

Nationwide

$208

$17

Nationwide

$220

$18

State Farm

$222

$18

Nationwide

$274

$23

Farmers

$321

$27

Farmers

$357

$30

Farmers

$404

$34

GEICO

$426

$35

GEICO

$445

$37

GEICO

$463

$39

Progressive

$529

$44

Progressive

$553

$46

Progressive

$588

$49

State Farm

$636

$53

Kemper

$671

$56

Kemper

$677

$56

State Farm

$713

$59

Nationwide

$754

$63

Allstate

$768

$64

Allstate

$781

$65

State Farm

$787

$66

Allstate

$810

$68

Kemper

$842

$70

Nationwide

$854

$71

Farmers

$932

$78

Nationwide

$992

$83

Farmers

$1,074

$90

Farmers

$1,207

$101

Allstate

$1,403

$117

Allstate

$1,429

$119

Allstate

$1,485

$124

Progressive

$1,513

$126

Kemper

$1,577

$131

GEICO

$1,578

$132

Progressive

$1,583

$132

GEICO

$1,646

$137

GEICO

$1,713

$143

Kemper

$1,808

$151

Progressive

$1,849

$154

Kemper

$2,459

$205

Cheapest Car Insurance in Montana After an Accident

The cheapest car insurance companies in Montana for drivers with an at-fault accident are:

  • State Farm: $763 per year
  • Nationwide: $1,118 per year

The most expensive company is Kemper offering policies at $2,168 per year. Drivers with an at-fault accident on their record might see their premiums increase by $525 on average.

Company
Annual Premium
Monthly Premium

State Farm

$203

$17

State Farm

$219

$18

State Farm

$244

$20

Nationwide

$269

$22

Nationwide

$284

$24

Nationwide

$352

$29

Farmers

$538

$45

Farmers

$539

$45

GEICO

$574

$48

Farmers

$586

$49

GEICO

$592

$49

GEICO

$611

$51

State Farm

$682

$57

Progressive

$687

$57

Progressive

$734

$61

Progressive

$753

$63

Kemper

$763

$64

State Farm

$763

$64

Kemper

$769

$64

State Farm

$842

$70

Kemper

$961

$80

Allstate

$966

$81

Allstate

$979

$82

Nationwide

$994

$83

Allstate

$1,033

$86

Nationwide

$1,118

$93

Nationwide

$1,291

$108

Farmers

$1,454

$121

Farmers

$1,531

$128

Farmers

$1,667

$139

Allstate

$1,790

$149

Allstate

$1,841

$153

Kemper

$1,883

$157

Allstate

$1,887

$157

Progressive

$1,919

$160

Progressive

$1,938

$162

GEICO

$2,126

$177

Kemper

$2,168

$181

GEICO

$2,194

$183

Progressive

$2,230

$186

GEICO

$2,262

$189

Kemper

$2,969

$247

Cheapest Car Insurance in Montana After a DUI

In Montana, MoneyGeek found that the cheapest car insurance companies for drivers with a DUI are:

  • State Farm: $713 per year
  • Progressive: $1,278 per year

The most expensive company is GEICO with policies at $4,029 per year. Drivers with DUIs in Montana generally pay $671 more in insurance premiums.

Company
Annual Premium
Monthly Premium

State Farm

$184

$15

State Farm

$199

$17

State Farm

$222

$18

Nationwide

$339

$28

Nationwide

$354

$30

Nationwide

$422

$35

Progressive

$479

$40

Progressive

$502

$42

Farmers

$511

$43

Farmers

$518

$43

Progressive

$538

$45

Farmers

$558

$46

Kemper

$560

$47

Kemper

$589

$49

State Farm

$636

$53

State Farm

$713

$59

Kemper

$730

$61

State Farm

$787

$66

Allstate

$932

$78

Allstate

$945

$79

Allstate

$994

$83

GEICO

$1,087

$91

GEICO

$1,108

$92

GEICO

$1,189

$99

Nationwide

$1,283

$107

Progressive

$1,364

$114

Kemper

$1,385

$115

Farmers

$1,387

$116

Nationwide

$1,407

$117

Progressive

$1,418

$118

Farmers

$1,467

$122

Nationwide

$1,579

$132

Farmers

$1,602

$133

Kemper

$1,634

$136

Progressive

$1,681

$140

Allstate

$1,734

$145

Allstate

$1,784

$149

Allstate

$1,830

$153

Kemper

$2,212

$184

GEICO

$4,029

$336

GEICO

$4,106

$342

GEICO

$4,403

$367

Cheapest Car Insurance in Montana for Drivers With Poor Credit (September 2023)

MoneyGeek found that the cheapest car insurance companies in Montana for drivers with poor credit are:

  • Nationwide: $867 per year
  • State Farm: $1,428 per year

GEICO offers the most expensive full coverage to drivers with poor credit at $2,147 annually. Drivers with poor credit pay $610 more in car insurance premiums.

Company
Annual Premium
Monthly Premium

Nationwide

$208

$17

Nationwide

$222

$19

Nationwide

$290

$24

State Farm

$355

$30

State Farm

$384

$32

State Farm

$427

$36

Farmers

$460

$38

Farmers

$514

$43

GEICO

$579

$48

Farmers

$581

$48

GEICO

$604

$50

GEICO

$663

$55

Kemper

$668

$56

Kemper

$676

$56

Progressive

$681

$57

Progressive

$708

$59

Nationwide

$742

$62

Progressive

$800

$67

Kemper

$842

$70

Nationwide

$867

$72

Nationwide

$1,041

$87

Allstate

$1,162

$97

Allstate

$1,186

$99

Allstate

$1,206

$100

State Farm

$1,270

$106

Farmers

$1,416

$118

State Farm

$1,428

$119

State Farm

$1,573

$131

Farmers

$1,632

$136

Kemper

$1,700

$142

Farmers

$1,835

$153

Progressive

$1,838

$153

Kemper

$1,913

$159

Allstate

$2,012

$168

Allstate

$2,025

$169

Progressive

$2,036

$170

Allstate

$2,130

$178

GEICO

$2,147

$179

GEICO

$2,240

$187

Progressive

$2,441

$203

GEICO

$2,457

$205

Kemper

$2,582

$215

Insurers have determined that having a lower credit score indicates your likelihood of filing claims, making you riskier to insure than drivers with good credit ratings. As a result, drivers with poor credit are charged higher premiums.

Improving your credit score could help with car insurance rates. However, suppose you need to save money in the short term. In that case, the best way to find affordable insurers is by comparing offers and taking advantage of discounts like bundling and having car safety features.

Cheapest Car Insurance in Montana for Sports Cars (September 2023)

Owning a sports car will likely mean paying a higher car insurance premium. We found that the cheapest car insurance companies for drivers in Montana with a sports car are:

  • Nationwide: $820 per year
  • State Farm: $821 per year

The most expensive insurer is Kemper at $1,881 per year.

Drivers of a Ford Mustang in Montana pay $1,307 on average, which is $226 more expensive than a driver of a Toyota Camry.

Company
Annual Premium
Monthly Premium

State Farm

$163

$14

Nationwide

$166

$14

State Farm

$176

$15

Nationwide

$177

$15

State Farm

$197

$16

Nationwide

$229

$19

Farmers

$321

$27

Farmers

$342

$28

GEICO

$371

$31

GEICO

$380

$32

Progressive

$386

$32

GEICO

$398

$33

Farmers

$404

$34

Progressive

$413

$34

Progressive

$465

$39

Kemper

$537

$45

Kemper

$564

$47

Allstate

$686

$57

Kemper

$699

$58

Allstate

$702

$58

Nationwide

$704

$59

Allstate

$722

$60

State Farm

$731

$61

Nationwide

$820

$68

State Farm

$821

$68

Farmers

$897

$75

State Farm

$905

$75

Nationwide

$990

$82

Farmers

$1,035

$86

Farmers

$1,167

$97

Progressive

$1,304

$109

Allstate

$1,306

$109

Allstate

$1,322

$110

Allstate

$1,418

$118

Progressive

$1,561

$130

Kemper

$1,562

$130

GEICO

$1,861

$155

Kemper

$1,881

$157

GEICO

$1,943

$162

Progressive

$1,967

$164

GEICO

$2,022

$169

Kemper

$2,576

$215

Although we used Ford Mustang in our example, remember that costs can vary greatly based on your car model.

Luxury, electric and sports cars are much more expensive than standard model types. Insurance for these types of cars varies by state.

Cheapest Car Insurance in Montana for Military Drivers (September 2023)

We found that the cheapest car insurance company in Montana for active duty or military veterans is Progressive, which costs $1,071 for a full coverage policy.

USAA is the second cheapest at $1081 annually. Its policies and discounts are tailored to military members and their families.

mglogo
MoneyGeek Top Pick
Progressive
  • $1,071 per year

Progressive currently does not have discounts for military members. It has a list of common discounts for bundling, insuring multiple cars, safe driving, paperless billing, paying in full and being a veteran.

Cheapest Car Insurance in Montana by City

Car insurance can vary widely depending on where in Montana you live. In Billings, full coverage costs $871 from State Farm. Meanwhile, the cheapest full coverage policy in Montana comes from Progressive, with annual premiums averaging $922. Click to learn more about car insurance in your city.

City
Cheapest Company
Annual Premium

Billings

State Farm

$871

Car Insurance in Montana: What You Need to Know

Most states, like Montana, require drivers to carry bodily injury liability and property damage liability. For drivers that don't own the vehicle they are driving, they are still required to carry a certain insurance alternative. In the sections below, learn about Montana's minimum car insurance requirements and the recommended liability coverage that ensures your protection.

Montana Car Insurance Requirements

In Montana, you only need to buy minimum car insurance containing bodily injury and property damage liability coverage to drive legally.

Although only meeting the minimum car insurance requirements is usually the cheapest way to save on your premiums, it offers the least protection if you’re in an accident. To ensure that you are covered, MoneyGeek recommends buying enough liability coverage.

After repeated driving violations, Montana also requires getting SR-22 insurance, which will likely increase your insurance premium.

  • male icon

    Bodily Injury Liability

    Minimum car insurance laws in Montana require drivers to have at least $25,000 bodily injury liability per person and $50,000 bodily injury liability per accident. This minimum requirement is an estimate, meaning you are more likely to need higher coverage to ensure full protection.

  • accident2 icon

    Property Damage Liability

    Similarly, drivers in Montana need at least $20,000 for property damage liability, which pays for the damages caused to another person’s vehicle.

Based on MoneyGeek’s estimate, when getting car insurance, it is ideal to obtain $100,000 in bodily injury liability insurance per accident and the same amount for property damage insurance per accident.

For newly-purchased or financed vehicles, you will likely need comprehensive and collision insurance, which protects any damages done to your car by non-collision and collision events, respectively.

Even if you are generally considered a safe driver with no known violations, having a high-value car is another reason to consider buying comprehensive and collision insurance.

Car Insurance Alternatives in Montana

If you are without a vehicle or frequently use car-sharing services, you can secure your non-owner car insurance in Montana as an alternative to regular car insurance. This type of insurance is required for non-owner vehicle drivers when filing an SR-22 to get their license reinstated after a violation.

You can also visit Montana’s Motor Vehicle Division for appointment scheduling and online renewal.

FAQs About Car Insurance in Montana

In the following sections, MoneyGeek answers your questions regarding the cost and quality of car insurance in Montana.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


sources