Updated: October 27, 2025
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Montana's cheapest car insurance companies are State Farm, GEICO, Farmers, Kemper and Nationwide.
State Farm offers the lowest monthly rates: $19 for minimum coverage and $85 for full coverage.
Young drivers can get coverage from State Farm at $36 monthly ($429 annually), which is 70% below the state average.
State Farm has the most affordable minimum coverage at just $19 per month or $232 per year — that’s $377 below the state average. The most affordable full coverage option, also from State Farm, costs $85 per month.
These rates are based on December 2024 data from Quadrant Information Services. Read our research methodology to learn how we determined the cheapest Montana car insurance.
| State Farm | $19 | $85 | -38% | $-31 |
| Geico | $30 | $106 | -19% | $-16 |
| Farmers | $47 | $143 | 13% | $11 |
| Kemper | $58 | $125 | 9% | $8 |
| Nationwide | $58 | $113 | 3% | $2 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Farm Bureau and Travelers lead Montana's car insurance market, with each company offering the cheapest rates in four out of our 10 driver categories. Find your specific rates in the table:
| Young Drivers | State Farm | $36 |
| Adult Drivers | State Farm | $18 |
| Senior Drivers | State Farm | $21 |
| Drivers With An Accident | State Farm | $22 |
| Drivers With A DUI | State Farm | $21 |
| Drivers With A Speeding Ticket | State Farm | $21 |
| Drivers With Bad Credit | Kemper | $96 |
| Drivers With Low Income | Geico | $70 |
| Drivers With Newer Cars | State Farm | $23 |
| Drivers With Old Cars | State Farm | $16 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to those ages 16 to 25, adults to those 26 to 64 and seniors to those 65 and older.
State Farm offers the most affordable minimum coverage rates in all 18 of Montana's largest cities analyzed, with remarkably low costs across diverse communities. This market presence reflects competitive positioning and Montana's favorable insurance environment.
Minimum coverage costs range from $17 to $24 monthly. Helena Valley West Central residents pay the state's lowest rates at $17 monthly, while Billings drivers pay $24 monthly. Most cities maintain rates below $20 monthly, making Montana one of the nation's most affordable states for minimum coverage.
| Anaconda-Deer Lodge County | State Farm | $18 | -41% | $-33 |
| Belgrade | State Farm | $18 | -40% | $-32 |
| Billings | State Farm | $24 | -43% | $-41 |
| Bozeman | State Farm | $22 | -40% | $-33 |
| Butte | State Farm | $19 | -38% | $-31 |
| Great Falls | State Farm | $20 | -37% | $-32 |
| Havre | State Farm | $18 | -42% | $-35 |
| Helena | State Farm | $17 | -42% | $-33 |
| Helena Valley Southeast | State Farm | $17 | -41% | $-32 |
| Helena Valley West Central | State Farm | $17 | -42% | $-32 |
| Kalispell | State Farm | $20 | -40% | $-36 |
| Laurel | State Farm | $18 | -44% | $-38 |
| Lewistown | State Farm | $17 | -45% | $-37 |
| Livingston | State Farm | $19 | -38% | $-31 |
| Miles City | State Farm | $18 | -42% | $-35 |
| Missoula | State Farm | $18 | -40% | $-32 |
| Sidney | State Farm | $17 | -44% | $-37 |
| Whitefish | State Farm | $19 | -41% | $-36 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
We analyzed car insurance rates across Montana for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65 and older). State Farm offers the best rates for all three groups:
Young drivers in Montana can find the lowest premiums with State Farm at $36 monthly ($429 annually). This is 70% below the state average, saving drivers $1,020 yearly. Other budget-friendly options include GEICO at $79 monthly and Allstate at $109 monthly.
| State Farm | $36 | $429 | -70% | $-1,020 |
| Geico | $79 | $952 | -34% | $-497 |
| Allstate | $109 | $1,310 | -10% | $-139 |
| Nationwide | $143 | $1,717 | 18% | $268 |
| Progressive | $153 | $1,837 | 27% | $388 |
Adult drivers pay the least with State Farm at $18 monthly ($220 annually), which is 63% below the state average and saves $367 yearly. GEICO follows at $29 monthly, while Farmers, Kemper and Nationwide range from $55 to $59 monthly.
| State Farm | $18 | $220 | -63% | $-367 |
| Geico | $29 | $343 | -42% | $-244 |
| Farmers | $55 | $657 | 12% | $70 |
| Kemper | $58 | $691 | 18% | $103 |
| Nationwide | $59 | $702 | 20% | $115 |
Seniors benefit most from State Farm at $21 monthly ($255 annually), which is 68% below the state average and saves $549 yearly. GEICO is next most affordable at $43 monthly, while Allstate, Nationwide and Kemper range from $70 to $83 monthly.
| State Farm | $21 | $255 | -68% | $-549 |
| Geico | $43 | $518 | -36% | $-286 |
| Allstate | $83 | $994 | 24% | $190 |
| Nationwide | $70 | $836 | 4% | $33 |
| Kemper | $72 | $863 | 7% | $60 |
High-risk drivers in Montana, including those with bad credit, DUIs, accidents, speeding tickets or texting violations, can still find affordable coverage. Here are the cheapest providers for each profile:
Montana drivers with poor credit get the best rates through Kemper at $95 monthly ($1,136 annually), which is 42% below the state average and saves $834 yearly.
| Kemper | $95 | $1,136 | -42% | $-834 |
| Geico | $101 | $1,215 | -38% | $-755 |
| Nationwide | $138 | $1,654 | -16% | $-316 |
| Allstate | $164 | $1,967 | 0% | $-3 |
| Progressive | $170 | $2,044 | 4% | $74 |
Montana drivers with a DUI pay the least through State Farm at $20 monthly ($236 annually), which is 72% below the state average and saves nearly $600 yearly.
| State Farm | $20 | $236 | -72% | $-595 |
| Kemper | $60 | $724 | -13% | $-107 |
| Progressive | $69 | $830 | 0% | $-1 |
| Geico | $75 | $905 | 9% | $74 |
| Farmers | $76 | $907 | 9% | $75 |
Drivers with an accident on their record get the lowest rates from State Farm at $21 monthly ($253 annually), which is 69% below the state average and saves $574 yearly.
| State Farm | $21 | $253 | -69% | $-574 |
| Geico | $44 | $523 | -37% | $-305 |
| Farmers | $79 | $944 | 14% | $117 |
| Kemper | $79 | $950 | 15% | $123 |
| Allstate | $82 | $979 | 18% | $152 |
Montana drivers with a speeding ticket pay the least with State Farm at $20 monthly ($236 annually), which is 65% below the state average and saves $439 yearly. GEICO costs $33 monthly, while Farmers, Nationwide and Kemper range from $55 to $74 monthly.
| State Farm | $20 | $236 | -65% | $-439 |
| Farmers | $55 | $657 | -3% | $-18 |
| Geico | $33 | $400 | -41% | $-275 |
| Nationwide | $74 | $884 | 31% | $209 |
| Kemper | $69 | $831 | 23% | $156 |
Auto-Owners offers the cheapest rates for Montana drivers with a texting-while-driving violation. Minimum coverage averages $447 yearly, while full coverage costs $820 annually, making it 44% below the state average.
| Geico | $209 | $2,511 | -41% | $-1,760 |
| Kemper | $221 | $2,657 | -38% | $-1,615 |
| Nationwide | $268 | $3,218 | -25% | $-1,053 |
| Allstate | $326 | $3,912 | -8% | $-359 |
| State Farm | $415 | $4,982 | 17% | $711 |
The tables above show overall winners, but the most affordable provider depends on your specific profile. For example, Kemper offers the lowest rates at $287 monthly for drivers with poor credit and an accident who want 100/300/100 coverage.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 29, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Progressive | 93 /of 100 | $58 |
| 2 |  State Farm | 94 /of 100 | $64 |
| 3 |  GEICO | 79 /of 100 | $116 |
| 4 |  Nationwide | 93 /of 100 | $120 |
| 5 |  Farmers | 85 /of 100 | $121 |
| 6 |  Allstate | 71 /of 100 | $145 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Finding the most affordable insurance companies is just the first step to getting the best rates. Here are proven ways to save on auto insurance.
Montana's wide geographic spread means premiums vary between urban areas like Billings or Missoula and rural counties. Rural drivers often pay less, but comparing quotes from national carriers and local insurers remains essential to find the lowest price.
Montana requires 25/50/20 liability coverage. These limits meet legal requirements but are considered low if you're involved in a serious accident. Many drivers raise their limits for more protection.
Montana insurers offer savings for bundling auto with home, safe-driver programs, good student performance and paying in full. Because many drivers cover long distances, telematics programs that monitor mileage and driving habits can provide additional discounts for safe drivers.
Montana has one of the highest rates of wildlife collisions in the country, especially with deer and elk, making comprehensive coverage valuable even for older vehicles. Long winters and icy roads also make collision coverage smart.
In populated areas, full coverage may be necessary to guard against theft and urban accident risks.
Raising deductibles on collision or comprehensive coverage can lower monthly costs. This works best if you have enough savings to cover higher out-of-pocket expenses after a claim.
Montana insurers weigh credit history and driving record heavily. Building credit and avoiding violations are the most reliable long-term ways to keep rates affordable.
The Montana Automobile Insurance Plan provides coverage for high-risk drivers who can't find insurance elsewhere. Premiums are higher than standard policies, making this a last-resort option.
Montana requires every driver to carry at least 25/50/20 in liability insurance: $25,000 for injuries to one person, $50,000 for all injuries in one accident and $20,000 for property damage. These minimums meet legal requirements but may not fully protect you after a serious crash.
Minimum coverage leaves you exposed to major financial risks:
Without collision coverage, you'll pay out of pocket for repair costs if you cause an accident. Montana's average property damage claim reached $4,500 in 2023, according to the Insurance Information Institute.
Minimum coverage only pays for the other driver's vehicle, not yours, leaving you with steep repair bills.
Montana's weather brings hail, snow and flooding that damage cars each year. Basic liability coverage won't pay for weather-related repairs. Comprehensive coverage is the only way to protect against hailstorms, flash floods and falling trees.
Montana's minimum bodily injury coverage of $25,000 per person may fall short in serious accidents. Average bodily injury claims nationwide topped $20,000 in 2023, according to the Insurance Information Institute, and medical costs continue rising.
Multi-vehicle crashes or long-term injuries can easily exceed minimum limits, leaving drivers responsible for large out-of-pocket expenses.
Roughly 9% of Montana drivers are uninsured, according to the Insurance Research Council. If you're hit by an uninsured driver and don't carry uninsured motorist protection, you may have no way to recover damages.
Adding UM/UIM coverage is a low-cost option that helps avoid devastating financial losses.
Montana sees higher rates of auto theft than many rural states, with stolen vehicles averaging over $8,000 in value, according to the National Insurance Crime Bureau.
Montana also consistently ranks near the top nationally for deer and wildlife collisions, according to State Farm data. Without comprehensive coverage, you get no help paying for theft or wildlife damage, making this protection especially important.
Montana law requires all drivers to carry liability insurance before operating a vehicle. The state follows an at-fault system, meaning the driver who causes an accident must pay for damages. Policies must include bodily injury and property damage liability. These limits meet state law, but many drivers purchase higher coverage to reduce financial risk.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $20,000 per accident |
State Farm offers Montana's cheapest car insurance, with rates starting at $19 for minimum coverage and $85 for full coverage.
Saving money matters, but the cheapest policy may not provide enough financial protection when an accident happens. Choose coverage that fits your budget and gives you peace of mind.
Here are answers to common questions about affordable car insurance in Montana to help you choose the right policy for your needs.
State Farm offers Montana's cheapest auto insurance, starting at $19 monthly for minimum coverage and $85 for full coverage.
State Farm offers the most affordable car insurance for young drivers in Montana, with an average monthly rate of $15 for minimum coverage. This rate is lower than the state average.
State Farm offers the most affordable rates for seniors in Montana at $21 monthly, which is 68% below the state average.
While cheap car insurance may seem appealing, make sure you have enough financial protection against major losses. State Farm balances affordability and quality service, offering the best car insurance in Montanawith full coverage starting at $85 monthly.
Full coverage auto insurance in Montana averages $97 monthly, while minimum coverage averages $37 monthly.
Montana requires drivers to carry minimum coverage auto insurance: bodily injury liability of $25,000 per person and $50,000 per accident, plus $20,000 in property damage liability.
MoneyGeek gathered auto insurance data from the Montana Department of Insurance and Quadrant Information Services. We reviewed quotes from 12 major insurers and analyzed over 200 million rate comparisons across every ZIP code in the state.
Montana Driver Profile
To find the cheapest rates, we started with a standard driver profile:
We then adjusted this profile to reflect different driver backgrounds and situations.
Standard Coverage Levels in Montana
We compared car insurance companies in Montana that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Montana.
Standard Coverage Levels in Montana
Note: Liability coverage doesn’t include deductibles. You’ll pay out of pocket up to your policy limits.
For full coverage, we used these limits:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
