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Minimum Auto Insurance Requirements in Montana Plus the Cheapest Insurers by Price in Major Cities

The minimum coverage for the state of Montana is 25,000/50,000/10,000 for bodily injury liability and property damage liability for each vehicle owned.

Minimum Car Insurance Requirements in Montana

CoverageMontana Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$25,000
Personal Injury ProtectionOptional$25,000 / $50,000
Uninsured / Underinsured Motorist BILOptional$50,000 / $100,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

In the event the insured party is at-fault in an accident, bodily injury liability will pay the doctor’s costs for the driver and passengers of the other car.

When the minimum liability protection is acquired the insurance corporation will pay up to $25,000 for a single person and $50,000 for all passengers concerned in the accident.

least expensive auto insurance companies in Montana for 25, 45, and 55 year old driver.

Note: Our analysis incorporated quotes from 13 insurance providers for a 25, 45, and 55 year old driver. We compared the average quotes by insurer across the entire state using each age as a benchmark. As illustrated, we found Progressive, USAA, and GEICO to be the most competitive across the State of Montana.

Property Damage Liability

Property damage liability covers damages to private and public property like places of business, road signs and guard rails as well as the other driver’s automobile.

Under the minimum coverage, insurance companies will pay up to $10,000 for repairs to property.

Although mentioned above is the state minimum requirement, the average driver receives the following cover per vehicle:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection (UM) – 25,000/50,000

  • Collision Coverage – $500 deductible

  • Comprehensive Coverage – $250 deductible

  • Medical Payment Coverage – $5000

If you have a new model vehicle it is highly recommended to get comprehensive and collision cover in the state of Montana since the winter season is harsh and the potential of hitting animals is higher than the nations average.

2nd chart for cheaper auto insurance in Montana. 25 and 45 year old driver.

Note: This is a more detailed view of the least expensive car insurance providers for a 25 and 45 year old driver. During our sampling of insurance quotes each driver had no more than one driving violation, good credit history, male, and single.

Cheapest Auto Insurance Companies in Montana

Below is the average premium rate for driver from 25 to 55 years of age. Overall the three lease expensive are Progressive, USAA, and GEICO. Any of the insurers in the list are worth getting quotes from.

I found the top companies seem to be lower on average. However, there are times when smaller boutique companies may be able to offer a substantially lower rate.

Many drivers like to have a top company from ease of claims. On the other hand, filing claims raises your premium for period of at least three years.

The top three cheapest providers are 15% to 24% lower. Many of the companies in the list are 10% lower than the statewide average premium per driver.

RankMontana CompanyAverage Rate for 25 Y/O DriverAverage Rate for 45 Y/O DriverAverage Rate for 55 Y/O Driver
1Progressive$1,145$809$704
2USAA$1,154$810$710
3GEICO$1,165$812$713
4Allstate$1,258$843$725
5State Farm$1,256$856$724
6Travelers$1,237$965$737
721st Century$1,209$997$767
8Farmers$1,398$1,035$754
9Safeco$1,329$1,087$789
10QBE Insurance$1,410$1,121$808
11Hartford$1,444$1,126$810
12MetLife $1,467$1,156$812
13Liberty Mutual$1,556$1,183$823

Comparison of less know insurance companies for a 25 year old driver.As illustrated these are slightly higher cost insurance providers for a 25 year old driver. Some of the company names may not be as familiar, but should be considered since it is possible to get a lower rate with them.

Best Companies by Rating, Written Premiums, and Rate Change

Below is outlined the best insurers by consumer ratings, rate change, and the amount of complaints.

In our overview of all the top carriers in Montana all of them within the list having nothing out of the ordinary and should be considered when looking for the lowest premium, optimum coverage, and good claims handling.

The top three are State Farm, Travelers, and USAA. We put Travelers since they, although not the lowest overall, offer many benefits which should be consider when shopping for your auto premium. The rate change is on the low side of 3.2%. 

With these considerations and if you have good driving history you should be able to get a low quote with Travelers or any of the top 3 carriers.

Progressive, Liberty Mutual, and GEICO are top carriers which have excellent claims handling and good customer reviews.

At any point your best option is to compare quotes and attempt to get an idea how claims handling will go.

CompanyDirect Written PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$1,311,869+3.3%24.3
Travelers$1,087,743+3.2%34.4
USAA$1,218,062+2.7%44.6
Progressive$1,783,422+3.5%84.2
Liberty Mutual$7111,53+2.8%34.4
GEICO$2,117,339+3.7%24.4
Allstate$887,680+2.9%14.2
Cascade Farmers Mutual$432,028+3.9%193.9
Safeco$923,428+2.9%144.1
Mountain West Farm Bureau$1,002,765+3.6%33.8
Nationwide$1,654,547+2.9%34.2
Farmers$2,555,657+3.7%104.3
Hartford$845,478 +2.9%94.0

Comparison of less known insurance companies for a 45 year old driver.This is our sampling of a 40 year old single, male, driver.

Additional options for 55 year old driver and lower insurance rates.Note: Since age is a determining factor for insurance companies any of these companies are worth considering for an older driver.

Montana being using “real-time” verification to determine if drivers had insurance. The systems in place is called “MTIVS” web service.

MTIVS helps police officers determine if a driver in the state of MT has insurance when they cannot provide proof.

If there is an accident, even in less populous cities such as Butte and Livingston, the police officers can verify through the real-time system if insurance was in effect during the time of an accident for both drivers.

Recommended Insurance Discounts for Savings

Best insurance discounts in Montana

Fines and penalties Driving without Coverage

  • First offense – $250 – $500 and up to ten days in jail

  • Second offense – minimum $350 fine or 10 days in jail; license suspended for 90 days

  • Third offense – minimum $500 fine and/or minimum 180 days in jail

Second offense for driving without coverage results in five points added to your license and when you reach 30 points your license is revoked.

Montana Average Vs. National Average

As illustrated in the chart below, the Montana average premium is 20% lower than the national average.

Higher premiums are going to continue, however, the state average is going to stay at 15% to 20% lower than the national average.

Lucky for drivers in Montana with quotes approximately 15% lower than national drivers across the United States.

Montana car insurance average compared to national average.

Average Premium by City

The quotes for each of the cities is for a 25 year old driver. Which averaged $1,200 to $1,600 depending on the city and/or zip code you reside in.

If, perhaps, your quote is higher than average you should look into determining factors used by insurers to determine your premium price.

Such factors include, credit history, married or single, driving history, and a lapse in coverage.

CityAverage RatePopulationCityAverage RatePopulation
Belgrade$1,3657,389Laurel$1,4126,718
Belt$1,376597Manhattan$1,3491,520
Bigfork$1,3871,641Miles City$1,4548,410
Clinton$1,3821,052Park City $1,499870
Coram$1,421539Pinesdale$1,423967
Corvallis$1,422976Polson$1,5784,777
Darby $1,437720Ronan$1,4792,016
Evaro$1,498322Somers $1,5231,109
Florence$1,543765Stevensville$1,5751,963
Hamilton$1,5094,348Walkerville$1,604700
Havre$1,5489,310Whitefish$1,48719,927
Huntley$1,476411Worden$1,511506

Billings

Drivers looking for auto insurance quotes in Billings should include Progressive, USAA, and GEICO. These three insurers quoted an average cost of $1,167 for an annual policy.

The savings is over 20 percent compared to what the typical insurer is charged in Billings. State Farm and Allstate make the top five and are slightly higher than the previous three.

Billings CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,007-23%
USAA$1,123-21%
GEICO$1,165-20%
Allstate$1,156-20%
State Farm$1,176-20%
Travelers$1,234-18%
21st Century$1,256-18%
Farmers$1,298-17%

What is really neat about Billings are the Rimrocks. These are geological rock formations that have hiking paths ranging from easy to challenging for the outdoor enthusiast.

The Yellowstone Art Museum attracts thousands of visitors each year with a has focus on regional art. ZooMontana focuses on wildlife native to the region, including owls, bears, and native wolves.

Least expensive insurance providers in Billings, MontanaBozeman

The cheapest car insurance quotes are GEICO, Progressive, State Farm, USAA, and Allstate.

State Farm, GEICO, and Progressive are the best for 45 and 55 year old drivers. For a 25 year old driver the best option would be Progressive. Savings are from 15 to 18 percent than the state average.

Bozeman CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,134-18%
USAA$1,145-18%
GEICO$1,167-18%
Allstate$1,189-17%
State Farm$1,245-15%
Travelers$1,265-15%
21st Century$1,287-15%
Farmers$1,298-15%

Bozeman is located in south central Montana and home to Montana State University (MSU).

The city boasts the lowest unemployment rate in the state and one of the lowest in the nation. Outdoor manufacturing and recreation are the major contributors to a low unemployment rate.

Least expensive insurance providers in Bozeman, Montana

Missoula

In Missoula, Progressive, USAA, GEICO, Allstate, and State Farm had the lowest rates.

These companies quoted rates on average of $1,144 – $1,276 which is approximately 15 to 18 percent less than the State average. For a 25 year old driver these best rates were from Progressive and GEICO.

Missoula CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,144-18%
USAA$1,147-18%
GEICO$1,169-18%
Allstate$1,233-17%
State Farm$1,276-15%
Travelers$1,211-15%
21st Century$1,224-15%
Farmers$1,287-15%

Missoula is known as the “Garden City” for its temperate climate and use to be completely under water.

Home to the University of Montana, there is surfing downtown for high school and college students, and some claim the best craft beers come from Missoula.

Least expensive insurance providers in Missoula, Montana

Butte

We found the best rates in Butte at GEICO, Progressive, State Farm, and USAA for former military and their dependents.

To insure a vehicle with full coverage the rate range from $1,201 to $1,377 per year.

The rates are over 10 percent less than the state average. However, Butte’s rate were one the highest compared to other regional cities.

Butte CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,201-15%
USAA$1,233-14%
GEICO$1,256-14%
Allstate$1,376-12%
State Farm$1,377-12%
Travelers$1,365-12%
21st Century$1,387-11%
Farmers$1,365-12%

Home to the World Museum of Mining includes a collection of mining equipment and a memorial to all the miners who died while working.

One of the leading world producers of copper and the majority is supplied to the United States. Since a mining town it is known for the worst mining accident in history – 168 men perished in a mining fire.

Least expensive insurance providers in Butte, MontanaGreat Falls

Great Falls CompanyAverage Annual Rate Percentage Difference from State Avg
USAA$1,054-18%
Progressive$1,089-17%
Allstate$1,090-17%
GEICO$1,145-15%
State Farm$1,176-15%
Travelers$1,289-13%
21st Century$1,355-12%
Farmers$1,387-12%

Residents of Great Falls can find the lowest premium by getting quotes from USAA, Progressive and Allstate. The average rate in for a 30 year old driver in Great Falls is $1,190 per year.

USAA is more than 12% lower at $1,054 and 18% lower than the state average. Progressive offers quotes which are 10% lower than the citywide premium price and 16% lower than the state average.

Allstate is a mere $1 more than Progressive at $1,090. Which is 10% lower than the citywide average premium and 16% lower than the statewide premium quote.

Cheapest insurers by price in Great Falls.Great Falls was founded in 1883 by Paris Gibson and railroad tycoon James J. Hill. The city was established to generate power from the nearby waterfalls.

Today, Great Falls has a population of nearly 60,000 residents. It was the largest city in Montana until Billings surpassed it. 

Great Falls is also known as the “Electric City” which is attributed to the five hydroelectric dams located along the Missouri River.

Helena

Helena CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,055-18%
USAA$1,087-17%
Allstate$1,089-16%
GEICO$1,148-16%
State Farm$1,180-16%
Travelers$1,254-14%
21st Century$1,328-13%
Farmers$1,369-13%

Residents of Helena can get cheaper rates by getting quotes from Progressive, USAA, and Allstate. As illustrated, Progressive is $1,055 per year for a 30 year old driver. Which is 13% lower than the citywide premium of $1,207. And 18% cheaper than the statewide average premium.

USAA is approximately $32 more with a quote at $1,087 per year for full coverage. Or 12% lower than the citywide average and 17% lower than state average.

And Allstate is only $2 more than USAA with at quotes at $1,089 for full coverage. All of the insurers illustrated clustered between $1,055 and $1,180 which is 15% to 18% lower than the “mean” rate and all of them lower than the citywide average of $1,207.

Helena, MT lowest price premiums by carrier. Helena was found in 1864 during the Montana Gold Rush. There was nearly 4 billion dollars worth of gold extracted from the area of Helena over the course of two decades. Helena is the state capital with a population approximately 29,000 people. 

Helena provides residents with a wide variety of outdoor activities. Fishing, swimming, camping, boating, water-skiing and wind surfing are popular activities at the Holter and Hauser Lakes.

Canyon Ferry and Spring Meadow Lake are other popular destinations for outdoor activities. Many hiking enthusiasts enjoy Blackfoot Meadows and Mount Helena city park as well as the Continental Divide Trail.

Kalispell

Kalispell CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,021-19%
USAA$1,058-18%
Allstate$1,090-17%
GEICO$1,137-16%
State Farm$1,167-16%
Travelers$1,238-13%
21st Century$1,300-13%
Farmers$1,347-12%

Residents of Kalispell can find cheap quotes with Progressive, USAA, and Allstate. Each were queried at $1,021, $1,058, and $1,090 for a 30 year old driver with full coverage.

All three insurers are 17% to 19% lower than the statewide average. And 7% to 10% lower than the citywide premium price of $1,171. Progressive is 10% cheaper than the average rate while Allstate is 7% lower than the citywide premium.

For the most savings and optimum coverage it would be smart to get quotes from all carriers illustrated.

Kalispell inexpensive premium choices for drivers. Kalispell is located on the western slope of the Rocky Mountains and is the largest city in the northwest portion of Montana. It’s located in Flathead County and bordered by the scenic Kootenai and Flathead National forests.

The nearby Flathead Lake is one of the largest freshwater lakes west of the Mississippi River. Residents of Montana go to Kalispell for recreational activities. 

Some of the most breathtaking scenery can be found in Kalispell. Notable attractions within the city are the Conrad Mansion, Glacier Orchestra & Chorale, and Arts in the Park.

Columbia Falls, MT

Columbia Falls CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$987-21%
USAA$1,032-19%
GEICO$1,089-17%
Allstate$1,121-17%
State Farm$1,148-16%
Travelers$1,200-14%
21st Century$1,268-13%
Farmers$1,312-12%

Getting cheap car insurance in Columbia Falls is pretty easy is you get quotes form Progressive, USAA, and GEICO. Each queried at $987, $1,032, and $1,089 respectfully for a 30 year old driver with full coverage.

There are many veterans in Columbia Falls and USAA may be the best option. However, when we queried for quotes we found Progressive offering a lower rate with the same coverage.

All three are at least 10% lower than the citywide average premium in Columbia Falls. And 17% to 21% lower than the statewide average premium.

Columbia Falls, MT cheapest premium choices for drivers. Columbia Falls is a small community of approximately 5,000 residents. It was found in 1909 and the Montana Veterans Home in Columbia Falls has served veterans since 1896.

The Veterans Home has been a big part of the community for years. The current housing facility was dedicated in 1970. The aluminum plant northeast of the city was built in the mid-1950s, utilizing the electrical power generated at the new Hungry Horse Dam.

Insurance Resources & Department of Motor Vehicles
Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
840 Helena Ave, Helena, MT 59601
(406) 444-2040
2550 Prospect Ave, Helena, MT 59601
(406) 444-6130
302 N Roberts St, Helena, MT 59601
(406) 444-3933
WebsiteWebsiteWebsite
Sources

http://csimt.gov/insurance/companies/

http://csimt.gov/your-insurance/auto/

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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