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Montana Cheapest Car Insurance, Minimum Coverage & Best Price by City

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Updated November 2nd, 2020

If you are shopping for the cheapest auto insurance in Montana, the drivers’ overall least costly drivers are Progressive, USAA, and Allstate.

Each carrier can offer quotes from 15 to 24% lower than the average premium for drivers with a decent driving profile.

I have included USAA in the coverage options since many drivers in Montana are former military.

You should put other carriers on your bucket list to get quotes: Farmers, Travelers, and 21st Century.

Cheapest car insurance in Montana by Price for drivers from Progressive, USAA, and Allstate.Note: As illustrated, the cheapest auto insurance companies by price are Progressive, USAA, and Allstate. In many cases, USAA was cheaper than Progressive, but most drivers cannot get coverage from them. Your best options are going to be with Progressive, USAA, and Allstate. Another good option is Travelers.

If you are a driver with good driving history, you can find quotes from 10 to 19% lower than the median quote for similar age drivers.

A regional carrier offering competitive quotes is QBE Farmers Union.

Depending on your location, they can offer quotes 10% cheaper.

This article will cover the lowest price carriers for the same coverage, the minimum requirements, and a few cost-saving tips along the way.

If you would like to skip to a certain portion of the article, there is a table of contents down and little to the right for your convenience.

Minimum Car Insurance Requirements in Montana

Montana’s state’s minimum coverage is 25,000/50,000/10,000 for bodily injury liability and property damage liability for each vehicle you own.

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

If 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.

Montana least expensive insurance companies by price for 25-year-old drivers from Progressive, USAA, and 21st Century.Note: Illustrated above is the least expensive auto insurance companies by price for a 25-year-old driver. The cheapest are Progressive, USAA, and 21st Century. Each company is nearly 20% lower than the average premium for similar age drivers in 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 the 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 coverage in Montana since the winter season is harsh. The potential of hitting animals is higher than the nation’s average.

Montana lowest premiums by price from Progressive, USAA, and Allstate for 45-year-old drivers.Note: A 45-year-old driver can find the best car insurance options with Progressive, USAA, and Allstate. I queried each at $809, $810, and $843 per year for full coverage. All the insurers are over 22% lower than the average premium for similar age drivers in Montana. Travelers and 21st Century are slightly higher with quotes at $965 and $997, respectfully.

Cheapest Auto Insurance Companies in Montana

Below is the average premium rate for drivers from 25 to 55 years of age.

Overall the three least expensive are Progressive, USAA, and GEICO.

Any of the insurers on 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 for ease of claims.

On the other hand, filing claims raise your premium for a period of at least three years.

The top three cheapest providers are 15% to 24% lower.

Regional companies you may want to put on your list of quotes are Cascade Farmers Mutual, Mountain West Farm Bureau, and QBE Farmers Union.

Many of the companies on the list are 10% lower than the statewide average premium per driver.

Montana CompanyAverage Rate for 25 Y/O Driver45 Y/O Driver55 Y/O Driver
Progressive$1,145$809$704
USAA$1,154$810$710
GEICO$1,165$812$713
Allstate$1,258$843$725
State Farm$1,256$856$724
Travelers$1,237$965$737
21st Century$1,209$997$767
Farmers$1,398$1,035$754
Safeco$1,329$1,087$789
QBE Insurance$1,410$1,121$808
Hartford$1,444$1,126$810
MetLife $1,467$1,156$812
Liberty Mutual$1,556$1,183$823

Least expensive auto insurance quotes for 55-year-old driver in Montana.Note: As illustrated, the most competitive car insurance companies for a 55-year-old driver are Progressive, USAA, and Allstate. I queried each at $704, $710, and $725 respectfully for full coverage. Travelers and Farmers are competitive with quotes at $737 and $754, respectfully.

Best Companies by Rating, Written Premiums, and Rate Change

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

In my 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.

Although not the lowest overall, I put Travelers since they offer many benefits that should be considered when shopping for your auto premium.

The rate change is on the low side of 3.2%. 

With these considerations and good driving history, you should get a low quote with Travelers or any top 3 carriers.

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

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

CompanyWritten PremiumsRate Change # 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

Cheap car insurance by price for 30-year-old driver in Montana. Note: For a 30-year-old driver in Montana, the cheapest auto insurance companies are Progressive, USAA, and Allstate. I queried each at $1,088, $1,100, and $1,115 respectfully for full coverage. All three insurers are 18% to 22% lower than the average premium of similar age drivers. Travelers and Farmers are nearly as competitive with quotes at $1,168 and $1,243, respectfully.

Montana is using “real-time” verification to determine if drivers had insurance.

The system in place is called the “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 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 of 180 days in jail

A 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 will continue; however, the state average will stay 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.

CityPremiumCityPremium
Belgrade$1,365Laurel$1,412
Belt$1,376Manhattan$1,349
Bigfork$1,387Miles City$1,454
Clinton$1,382Park City $1,499
Coram$1,421Pinesdale$1,423
Corvallis$1,422Polson$1,578
Darby $1,437Ronan$1,479
Evaro$1,498Somers $1,523
Florence$1,543Stevensville$1,575
Hamilton$1,509Walkerville$1,604
Havre$1,548Whitefish$1,487
Huntley$1,476Worden$1,511

Billings

 

Billings, MT low-cost auto insurance by price for 30 and 45-year-old driver.Drivers looking for the cheapest auto insurance quotes in Billings should include Progressive, USAA, and Allstate.

I queried each at $1,007, $1,123, and $1,156 per year for a 30-year-old driver.

Which is nearly 23% lower than the average premium for similar age drivers in Billings, Montana.

Other carriers you should include in your list of quotes are Travelers and 21st Century.

Each carrier can offer quotes 10% lower than the citywide average premium for drivers. 

A 45-year old can the cheapest auto insurance with Progressive, USAA, and Allstate.

I queried each at $846, $822, and $887 per year respectfully for full coverage.

All three insurers are over 22% lower than the “mean” quote for similar age drivers in Billings.

As illustrated, both the 21st Century and Travelers should be on your list of quotes.

I queried both carriers at $941 and $906 respectfully for full coverage.

The savings from any insurer illustrated is over 16 percent compared to the typical insurer charge in Billings.

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%

Bozeman

Bozeman, MT cheap car insurance companies by quote for 30 and 45-year-old drivers.The cheapest car insurance quotes are Progressive, USAA, and Allstate.

I queried each at $1,134, and $1,145, and $1,189 per year for a 30-year-old driver.

A 45-year old will find the same insurers nearly 22% lower than the average premium. 

Travelers and 21st Century are slightly higher with quotes at $1,265 and $1,287, respectfully.

Which is approximately 12% lower than the average premium for similar age drivers.

Drivers 25 and younger would probably find the best rate with Progressive in Bozeman.

When I queried for quotes, Progressive is 15% to 18% lower than Bozeman’s “mean” rate for younger drivers.

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%

Missoula

Missoula, MT cheapest auto insurance by price for 30 and 45-year-old drivers. In Missoula, Progressive, USAA, and Travelers offer the least expensive car insurance by price.

I queried each $1,144, and $1,147, and $1,211 respectfully for a 30-year-old driver.

Which is 19% lower than the average premium of similar age and profile drivers in Missoula, Montana. 

A 45-year-old driver can find cheaper auto insurance quotes with Progressive, USAA, and Travelers.

I queried each at $867, $844, and $901 respectfully for full coverage.

Which is approximately 21% lower than the “mean” rate for similar age drivers in Missoula.

21st Century and Allstate offer competitive quotes for a 30 and 45-year-old driver.

Both companies are over 14% lower than the average premium rate. 

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%

Butte, MT

Butte, MT cheapest car insurance by price for 30 and 45-year-old drivers.I found the best auto insurance in Butte, Montana is with Progressive, USAA, and Travelers.

I queried each at $1,201, $1,233, and $1,365 per year for a 30-year-old driver.

Which is nearly 24% lower than the average premium for drivers of similar age in Butte. 

For a 45-year old the cheapest quotes are with Progressive, USAA, and Travelers.

I queried each at $928, $930, and $1,002 respectfully for full coverage.

Other insurers to put on your list to get quotes are Farmers and Allstate.

Both insurers can offer quotes over 15% lower than the average premium for drivers in Butte.

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%

Great Falls

Cheapest insurers by price in Great Falls.Great Falls residents can find the lowest premium by getting quotes from USAA, Progressive, and Allstate.

The average rate 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 10% lower quotes 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.

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%

Helena

Helena, MT lowest price premiums by carrier.

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 the state average.

And Allstate is only $2 more than USAA, with 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 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%

Kalispell

Kalispell inexpensive premium choices for drivers.

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.

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

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%

Columbia Falls, MT

Columbia Falls, MT cheapest premium choices for drivers.

Getting cheap car insurance in Columbia Falls is pretty easy if you get quotes from Progressive, USAA, and GEICO.

I queried each 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 I queried for quotes, Progressive offered the lowest 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 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%

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/

https://www.iii.org/montana-firm-foundation

https://farmersunioninsurance.com/

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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