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Montana Cheapest Car Insurance & Best Coverage Options

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Updated February 27th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Maurice Draine
Former P&C Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org licensed agents analyzed the cheapest car insurance companies in Montana and found Safeco Insurance ($248 per year) provides the cheapest state minimum rate or 50% less expensive than the $490 Montana average. 

State Farm ($1,019 per year) provides the least expensive full coverage car insurance options for Montana drivers or 32% cheaper than the statewide average. 

Affordable Montana Car Insurance Rates

Montana drivers can save more on car insurance premiums by comparing multiple car insurance providers’ quotes with our agents’ cheapest insurance rates recommendations from this rate analysis.

Cheapest Car Insurance in Montana - Quick Hits
AutoInsureSavings.orgThe cheapest Montana car insurance options are:

Cheapest for minimum coverage: Safeco Insurance
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: Progressive
Cheapest after a DUI: Progressive
Cheapest for poor credit history: GEICO
Cheapest for young drivers: Allstate
For young drivers with a speeding violation: Allstate
For young drivers with an at-fault accident: State Farm

This practical Montana auto insurance guide will help you find the best car insurance options that will help you save money regardless of your driving type.

Comparison shopping study of cheapest car insurance providers in Montana compared with Safeco, USAA, and State Farm with average rates.

Or enter your Zip Code to begin comparison shopping for Montana’s best auto insurance quotes. 

Cheapest Car Insurance in Montana for Minimum Coverage

Safeco Insurance offers the lowest minimum coverage rates for Montana drivers, which provided us a $248 annual rate or $242 cheaper than the $490 average quote for our 30-year-old driver.

If you are a military member or a family member of a service member, your best rates are with USAA, which offered our agents a $250 annual quote for minimum liability coverage.

CompanyAverage Annual Rate
Safeco$248
USAA$250
State Farm$321
Geico$367
Progressive$439
Farmers$576
Liberty Mutual$723
Allstate$810

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Remember, while minimum auto insurance coverage can ensure you stay legal and have the lowest possible premium. Liability-only may not provide you with the amount of bodily injury and property damage liability you need if you are involved in an auto accident.

A Montana state minimum auto policy only covers up to $50,000 in bodily injury liability and $20,000 in property damage liability. 

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The cheap liability insurance rates offered may differ slightly, depending on your age, zip code, driving history, and a variety of other factors. 

Cheapest Full Coverage Car Insurance in Montana

State Farm offers the cheapest car insurance rates for full coverage in Montana. State Farm’s $1,019 rate ($84 per month) is 32% less expensive than the statewide average of $1,493 per year. 

InsurerAnnual CostMonthly Cost
State Farm$1,019$84
USAA$1,054$87
Safeco$1,138$94
Geico$1,250$104
Progressive$1,432$119
Liberty Mutual$1,742$145
Montana average$1,493$124

*USAA is for qualified military members, their spouses, and direct family members. Your average rates may vary based on the driver’s profile.

Full coverage policies offer more protection than liability-only. You have motor vehicle insurance from vandalism, fallen tree branches, or auto theft with collision and comprehensive coverage.

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AutoInsureSavings.org agents recommend getting full coverage insurance if your vehicle is worth more than your comprehensive and collision coverage plus your deductibles.

Cheapest Car Insurance With One Speeding Ticket in Montana

Progressive offers the cheapest auto insurance rates for Montana drivers with one speeding violation on their driving records. Progressive’s $1,570 rate for full coverage is 24% or $478 less expensive than the statewide average. 

InsurerAnnual CostMonthly Cost
Progressive$1,570$120
State Farm$1,743$145
Geico$1,965$163
Montana average$2,048$170

If caught speeding in Montana, your insurance rates can go up to $279 per year or 18%. The amount that your rate increases can also depend on how fast you were going over the speed limit.

Most auto insurers will increase car insurance rates after traffic tickets. Still, some insurers increase insurance rates more than others, which is an essential reason to comparison shop for cheaper insurance coverage. 

Cheapest Car Insurance in Montana With a Car Accident

According to our rate analysis, State Farm offers the cheapest auto rates for Montana drivers with one auto accident with a $1,932 annual insurance premium or $161 per month for our sample driver. 

State Farm’s rate is 33% less expensive than Montana’s average insurance premium for drivers with one accident in their driving history.

InsurerAnnual CostMonthly Cost
State Farm$1,932$161
Progressive$2,057$171
Geico$2,341$195
Montana average$2,877$240

Montana drivers with an accident history typically pay around $2,877 per year on their car insurance premiums. 

We found average rates increase about 49% after a driver is involved in an at-fault accident. In other words, just one accident could cause your rate to go up as much as $1,384 per year in Montana compared to those with a clean driving record.

Cheapest Car Insurance With a DUI in Montana

Montana residents with driving under the influence (DUI) convictions on their driving records can find the cheapest car insurance with Progressive, which provided our insurance agents a quote at $2,446 per year or a $203 monthly rate for our 30-year-old sample driver.

Progressive’s rate is 26% cheaper than Montana’s average DUI rate. 

InsurerAnnual CostMonthly Cost
Progressive$2,446$203
State Farm$2,638$219
Geico$3,133$241
Montana average$3,264$271

After receiving a DUI citation, car insurance premiums go up 55% on average in Montana. A DUI will remain on your driving record for three years, and the Montana Department of Motor Vehicles (DMV) will report your conviction to your insurance company during that time.

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You will also be required to file an SR-22 form to prove you have minimum liability coverage and get an ignition interlock device (IID) installed in your motor vehicle. 

Cheapest Car Insurance for Drivers With Poor Credit in Montana

Our agents found GEICO provides the cheapest insurance for drivers with poor credit in Montana. GEICO’s $1,763 rate with collision and comprehensive insurance is 27% less expensive than the average rate for 30-year-old drivers. 

InsurerAnnual CostMonthly Cost
GEICO$1,763$146
State Farm$2,021$168
Allstate$2,362$196
Montana average$2,510$209

Statistics show that drivers who have a bad or poor credit rating will be more likely to file a claim, be caught for speeding, or get involved in an at-fault accident. For that reason, their car insurance costs are higher.

It is a good idea for drivers to keep a close eye on their credit scores and report. If you notice any mistakes on your credit report, you should take care of them promptly to ensure the issues do not cause your car insurance rates to increase. 

Cheapest Car Insurance for Young Drivers in Montana

We found young Montana drivers can find the cheapest full coverage auto insurance with Allstate during our rate analysis, which provided our agents a $3,245 annual rate or 47% less expensive than our sample driver’s average rates. 

Younger military members will find the best insurance coverage with USAA, with the lowest rate at $3,133 per year.

The cheapest for state minimum coverage is State Farm, which offered us a quote at $1,160 or a $96 monthly rate. The next best option for younger drivers is GEICO, with a $1,289 annual rate for liability-only insurance. 

InsurerFull CoverageMinimum Coverage
USAA$3,133$1,043
Allstate$3,245$1,327
State Farm$3,467$1,160
Geico$4,645$1,289
Progressive$5,344$1,659
Farmers$6,765$2,036
Montana average$5,849$1,625

*USAA is for qualified military members, their spouses, and direct family members. Your insurance rates may vary based on the driver’s profile.

Drivers under 25 will have higher insurance premiums regardless of what car insurance company they choose or where they reside. Because they have less experience on the road than older drivers, they are automatically at a higher risk for insurance companies.

Therefore, it is best to find a company that offers the cheapest insurance rates for young or teen drivers in Big Sky Country, such as Allstate or State Farm, to cut down on your insurance costs.

Cheapest Car Insurance for Young Drivers with a Speeding Ticket

Young Montana drivers caught speeding should look to Allstate for the cheapest insurance coverage. The average insurance cost from Allstate is $3,412 per year for full coverage.

Allstate’s speed violation rate is 47% less expensive than the $6,340 average rate for young drivers in Montana.

InsurerAnnual CostMonthly Cost
Allstate$3,412$284
State Farm$3,680$306
GEICO$4,941$411
Montana average$6,340$528

Cheapest Car Insurance for Young Drivers with an At-Fault Accident

Young inexperienced drivers in Montana with a recent at-fault accident can find the best car insurance with State Farm, which provided our agents a $3,670 rate for full coverage insurance.

State Farm’s at-fault accident quote is 46% cheaper than the statewide teen driver accident rate of $6,744 per year. 

InsurerAnnual CostMonthly Cost
State Farm$3,670$305
Allstate$3,941$328
GEICO$6,124$510
Montana average$6,744$562

Best Auto Insurance Companies in Montana

AutoInsureSavings.org team of licensed insurance agents rated the best car insurance companies in Montana by customer service and the National Association of Insurance Commissioners (NAIC) complaint index.

We found that USAA, Allstate, State Farm are the best insurers based on excellent customer service and claims satisfaction.

ValuePenguin found similar results from their recent Montana customer survey.

Company% respondents extremely satisfied recent claim% respondents rated customer service as excellent
USAA78%62%
State Farm73%46%
Allstate72%47%
Progressive74%34%
Geico65%42%
Farmersn/an/a

Buying cheap car insurance helps Montanans’ insurance shoppers save money and put the extra in their savings account. But paying cheaper rates to get poor customer service is not worth the low cost.

While it is good to find a car insurance company that offers an affordable premium, other things such as customer service rating or range of coverage options should be considered when making your decision.

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Our licensed agents also collected reputable information on each auto insurance company in Montana from the NAIC, J.D. Power, and A.M. Best’s financial strength ratings. 

The insurance company with the lowest NAIC complaint ratio (0.45) is Farmers Insurance, but notably is Allstate Insurance (0.63). Both insurers have a complaint ratio below one (1.00). 

InsurerNAIC complaint indexJ.D. Power Claims SatisfactionAM Best Rating
Farmers0.45872A
Allstate0.63876A+
Travelers0.65861A++
State Farm0.66881A++
Progressive0.67856A+
USAA0.68890A++
National General0.80815A-
Liberty Mutual1.00870A
Geico1.01871A++
Mountain West Farm Bureau2.08n/aB++

The NAIC’s complaint ratio compares the number of complaints a car insurer has based on its market share. The national average is 1.00. Any car insurance provider below 1.00 is better than the national average.

USAA has the highest J.D. Power claims satisfaction score of 890, and Allstate is second with a claims satisfaction score of 876.

A.M. Best financial strength ratings are a grade describing the financial health of an auto insurer. “A” is excellent financial strength, while “A+” or better is superior. 

While comparison shopping for car insurance companies in Montana, it is essential to remember that several risk factors contribute to your premium cost. Your age, driving history, and even your credit rating can positively or negatively impact your total monthly or annual cost.

Therefore, it is always best to compare plans to find the best company that offers the lowest rate for you with excellent customer service. 

Average Car Insurance Costs by City in Montana

We collected insurance quotes from Montana zip codes from top insurance companies and found average rates can vary by city and zip code. The price difference can be $336 per year, with the lowest auto policy in Ulm ($1,319) and the highest rate is in Missoula ($1,655).

Still, your Montana rate is based not only on your location but credit score, type of vehicle, liability limits, marital status, or any lapse in auto insurance coverage.

Cheapest Car Insurance in Billings, MT

Drivers in Billings can find the cheapest insurance quotes with USAA, which provided our agents a $1,162 per year rate for full coverage. USAA’s quote is 30% less expensive ($481 in savings) than the average Billings’ rate at $1,643.

Billings CompanyAverage Premium
USAA$1,162
Safeco$1,234
State Farm$1,447
Billings average$1,643

Cheapest Car Insurance in Missoula, MT

Missoula residents can look to Safeco for the cheapest coverage rates, with a quote at $1,148 per year or a $95 monthly rate with collision and comprehensive insurance. Safeco’s rate is 31% cheaper than Missoula’s $1,655 average rates for similar driver profiles. 

Missoula CompanyAverage Premium
Safeco$1,148
State Farm$1,360
GEICO$1,526
Missoula average$1,655

Cheapest Car Insurance in Great Falls, MT

Great Falls drivers can find the cheapest full coverage insurance policy with State Farm, which offered us a $1,233 annual rate. State Farm’s car insurance rate is 25% less expensive than Great Falls’s average or $392 yearly savings.

Great Falls CompanyAverage Premium
State Farm$1,233
USAA$1,240
Progressive$1,496
Great Falls average$1,625

Cheapest Car Insurance in Bozeman, MT

The cheapest auto insurance rates AutoInsureSavings.org found in Bozeman is GEICO, with a $1,136 per year rate for a full coverage auto policy. GEICO’s quote is 29% less expensive than Bozeman’s average rate of $1,578 per year. Safeco is the next best option with a $1,208 annual cost.

Bozeman CompanyAverage Premium
GEICO$1,136
Safeco$1,208
State Farm$1,324
Bozeman average$1,578

Cheapest Car Insurance in Butte, MT

Drivers in Butte can get cheap auto insurance with Safeco, which provided our licensed professionals a $1,067 annual rate for a $50,000 liability policy with comprehensive and collision insurance. Safeco’s quote is 31% less expensive than the average premium ($1,528) in Butte. 

Butte CompanyAverage Premium
Safeco$1,067
USAA$1,116
Progressive$1,285
Butte average$1,528

Cheapest Car Insurance in Helena, MT

Helena’s least expensive insurance policy is with USAA, which offered us a quote at $1,142 per year for full coverage. If you don’t qualify for USAA’s coverage, your next cheapest insurance option in Helena is Safeco, with a $1,316 annual rate for equal coverage levels as USAA.

Helena CompanyAverage Premium
USAA$1,142
Safeco$1,316
State Farm$1,447
Helena average$1,603

Average Car Insurance Cost for All Cities in Montana

CityAnnual Premium CostCityAnnual Premium Cost
Billings$1,643Lincoln$1,521
Missoula$1,655Poplar$1,524
Great Falls$1,625Ennis$1,546
Bozeman$1,578Sheridan$1,564
Butte-Silver Bow$1,528St. Ignatius$1,613
Helena$1,603Harlem$1,328
Kalispell$1,546Pioneer Junction$1,560
Havre$1,617Woods Bay$1,519
Anaconda-Deer Lodge County$1,589Vaughn$1,528
Belgrade$1,564Wye$1,549
Miles City$1,516Worden$1,623
Helena Valley Southeast$1,524Bridger$1,521
Helena Valley West Central$1,549Philipsburg$1,511
Lockwood$1,622Clinton$1,516
Evergreen$1,511Carlton$1,546
Whitefish$1,560Pray$1,549
Livingston$1,603Darby$1,616
Laurel$1,521Troy$1,557
Sidney$1,528Cascade$1,524
Lewistown$1,546Victor$1,603
Orchard Homes$1,549Superior$1,564
Columbia Falls$1,516Terry$1,511
Glendive$1,557Culbertson$1,521
Four Corners$1,616South Hills$1,528
Polson$1,511Busby$1,544
Hamilton$1,524Florence$1,621
Bigfork$1,568Arlee$1,516
Helena Valley Northwest$1,600Hungry Horse$1,557
Dillon$1,521Parker School$1,625
Malmstrom AFB$1,516Muddy$1,370
Lolo$1,589Havre North$1,544
Hardin$1,528Fairfield$1,521
Helena Valley Northeast$1,628Heart Butte$1,524
Glasgow$1,611Piltzville$1,549
Shelby$1,524Ulm$1,319
Big Sky$1,557Jefferson City$1,598
Deer Lodge$1,511Trego$1,568
Montana City$1,544Big Sandy$1,524
North Browning$1,516Hot Springs$1,528
Wolf Point$1,521Alberton$1,639
Libby$1,599Valier$1,412
Conrad$1,540Wheatland$1,544
Colstrip$1,549Pryor$1,607
Pablo$1,511Broadus$1,516
Lakeside$1,524Belt$1,521
Red Lodge$1,640Joliet$1,540
Columbus$1,600The Silos$1,549
Stevensville$1,521Ponderosa Pines$1,524
East Missoula$1,568Circle$1,516
Townsend$1,628White Haven$1,511
Malta$1,544St. Marie$1,557
Lame Deer$1,511Spokane Creek$1,625
Clancy$1,524Lodge Grass$1,603
Crow Agency$1,540Jordan$1,622
Ronan$1,549Batavia$1,511
Frenchtown$1,606Coram$1,521
Choteau$1,557Beaver Creek$1,619
Plentywood$1,375Fortine$1,549
Roundup$1,516Fromberg$1,544
Baker$1,629Huntley$1,568
Three Forks$1,521Finley Point$1,524
Sun Prairie$1,619Lindisfarne$1,396
King Arthur Park$1,540Rocky Boy's Agency$1,603
Eureka$1,511Azure$1,543
Big Timber$1,549East Glacier Park Village$1,516
West Glendive$1,580Kila$1,521
South Browning$1,543Martin City$1,540
Manhattan$1,521Turah$1,557
Fort Belknap Agency$1,540Ekalaka$1,511
Fort Benton$1,617Sunburst$1,580
East Helena$1,511Boneau$1,543
Forsyth$1,524Sangrey$1,640
Bonner-West Riverside$1,557Stanford$1,521
Thompson Falls$1,516South Glastonbury$1,549
Seeley Lake$1,610Frazer$1,511
Harlowton$1,540St. Pierre and Evaro$1,524
Scobey$1,580Simms$1,543
Helena Flats$1,511Wineglass$1,612
Chester$1,521Wilsall$1,557
Somers$1,641Plevna$1,516
Absarokee$1,603Nashua$1,543
Chinook$1,549Starr School$1,580
Plains$1,540Brockton$1,383
Helena West Side$1,524Turtle Lake$1,521
Churchill$1,559Lodge Pole$1,644
White Sulphur Springs$1,632Reed Point$1,643
Corvallis$1,516Belfry$1,549
Marion$1,600Yaak$1,557
Ashland$1,521Roberts$1,604
Pinesdale$1,588Denton$1,524
Browning$1,511Charlo$1,516
West Yellowstone$1,557Bear Dance$1,588
Hays$1,524Clyde Park$1,600
Black Eagle$1,549Riverbend$1,511
Whitehall$1,516Emigrant$1,521
Fairview$1,616Dutton$1,543
Shepherd$1,603Hysham$1,552
Gallatin Gateway$1,543Savage$1,524
Gardiner$1,427Lewistown Heights$1,540
Boulder$1,521Willow Creek$1,516

Minimum Auto Insurance Coverage Requirements in Montana

Commissioner of Securities and Insurance requires all Montana drivers to have the minimum liability limits: 

LiabilityMinimum coverage
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

A minimum auto insurance policy has at least $25,000 of bodily injury liability per person and $50,000 per accident, and a minimum of $20,000 property damage liability per accident.

Montana doesn’t require drivers to carry uninsured motorist coverage (UM). However, we recommend drivers to buy uninsured motorist coverage since Montana’s uninsured motorist rate is 10%, according to the Insurance Research Council.

AutoInsureSavings.org agents also recommend higher liability limits for asset protection. It would be best if you had liability limits matching the value of all your assets to protect yourself in the event of a lawsuit from a car accident.

Frequently Asked Questions

Who has the Cheapest Car Insurance in Montana?

Based on our research, Safeco Insurance ($248 per year) offers the state minimum’s cheapest auto insurance rates. The average annual premium for minimum coverage in Montana is $490 per year, and Safeco’s premium costs 50% less. USAA ($250 per year) is another good option for affordable car insurance for drivers who qualify for their coverage. 

How Much is Montana Car Insurance per Month?

The average car insurance costs $1,493 in Montana for full coverage insurance and $490 per year for state minimum coverage. That is significantly less than what drivers in other U.S. states pay for their car insurance premium each month. For instance, drivers in other states will pay $645 per year for state minimum car insurance and $1,700 per year for full coverage. 

How Much Is Full Coverage Montana Car Insurance?

The average cost of full coverage car insurance in Montana is $1,493 annually or $124 per month. State Farm’s average rate for full coverage is $1,019 a year or $84 per month. USAA ($1,054) and Safeco ($1,138) are also below the state’s average.

How Much Will My Car Insurance Increase With a Speeding Ticket in Montana?

You can expect your car insurance rates to go up 18% after a speeding violation in Montana. The amount it goes up depends on the auto insurance company and several other risk factors. Most drivers pay around $1,761 annually for full coverage once they have a ticket on their driving record.

How do I Save on Car Insurance in Montana?

There are many ways for drivers in Montana to save on their car insurance premiums. You can find out from your insurance agent if you are eligible for a money-saving driver discount offered by the company. Many insurance providers will lower your overall car insurance rates if you have more than one policy with them, such as homeowners insurance or life insurance.

Another way to save on your car insurance premium is to practice safe driving habits and maintain clean driving records. That will not only keep you and your passengers safe but will also help you avoid car accidents or traffic violations that could cause your premium to rise.

To learn more about Montana’s most affordable car insurance options, contact the auto insurance experts at AutoInsureSavings.org.

Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible

We used insurance rates for drivers with an accident history, credit score, and marital status for other Montana rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your insurance rates may vary when you get quotes.

Sources

– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Companies.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– Montana Department of Justice Motor Vehicle Division. “Driver Licenses.”
– Insurance Information Institute. “What is covered by a basic auto insurance policy?.”
– Montana Department of Justice Motor Vehicle Division. “Insurance and Verification.”
– Insurance Research Council. “One in Eight Drivers Uninsured.”

Maurice Draine

Maurice Draine

Maurice, a former licensed P&C insurance agent with a 4-year degree in journalism. He resides in Minneapolis and has worked as a technical writer for UnitedHealthcare and Wells Fargo, where he created Medicare-related policies and procedures for three years. He is also an editor for AutoInsureSavings.org.

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