The average cost of full coverage car insurance in Montana is $1,902 per year, but costs vary widely depending on where in the state you live. Things like your age, credit score, and driving history will also affect how much you pay.
The best way to lower your car insurance costs is by comparing rates before you buy. Policygenius can help you see rates from top companies so you can compare options and choose the best policy for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Montana
Finding an affordable car insurance provider can be tricky. Each car insurance company will use the same factors — vehicle type, driving history, driver age, even credit score — to help determine your rates. But companies all have different methods for crunching the numbers, which is why rates can vary so widely.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $71/month | 890 |
State Farm | $85/month | 882 |
Progressive | $86/month | 861 |
General Casualty Company of Wisconsin | $110/month | -- |
GEICO | $113/month | 874 |
Cheapest car insurance companies by age in Montana
A driver's age will also have a big impact on car insurance rates. Younger drivers pay more for insurance because of their inexperience on the road. As they age and gain experience, drivers can expect to see their rates drop each year until they turn 25.
Age | Cheapest company | Average cost |
|---|---|---|
16 | State Farm | $3,131 |
18 | State Farm | $2,530 |
21 | USAA | $1,302 |
25 | USAA | $1,045 |
30 | USAA | $910 |
35 | USAA | $854 |
45 | USAA | $805 |
55 | USAA | $762 |
60 | USAA | $753 |
65 | USAA | $763 |
70 | USAA | $808 |
Choosing the right car insurance company in Montana
Choosing the right insurance company may seem complicated, but it comes down to a few key factors.
Cost: Companies charge different rates for similar coverage. That's why it's important to shop around and make sure you’re not missing out on better rates.
Coverage: Higher limits means more protection in case of an accident, so figure out how much coverage you can get while still staying in your budget.
Customer service: Make sure the company you choose scores well for claims satisfaction ratings, and see if they offer perks like a mobile app for on-the-go claims filing.
If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies and choose the coverage that’s right for you.
Car insurance rates for drivers with driving violations in Montana
Driving history is another factor used by car insurance companies to help determine rates and coverage. Insurance companies will review the past 3 to 5 years of a driver's Motor Vehicle Report (MVR). This report is the culmination of a driver's history and records any reports traffic accidents or driving violations.
Insurance companies will note any driving violations as potential risk. These violations can range from failure to stop at a red light to an at-fault accident or even a DUI/DWI violation. How much each of these violations affects your potential rates will vary, but any of them will have negative impacts.
Violation | USAA | State Farm | Progressive | General Casualty Company of Wisconsin | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,194 | $1,169 | $1,553 | $2,204 | $2,024 |
Suspended license | $1,657 | $1,103 | $1,491 | $2,688 | $1,500 |
Open container | $1,244 | $1,103 | $1,390 | $2,544 | $1,500 |
Expired registration | $1,189 | $1,103 | $1,390 | $1,899 | $1,355 |
Driving without lights | $1,189 | $1,103 | $1,390 | $1,899 | $1,500 |
Running a red light | $1,189 | $1,103 | $1,390 | $1,899 | $1,500 |
Following too closely | $1,189 | $1,103 | $1,390 | $1,899 | $1,500 |
Hit and run | $1,839 | $1,103 | $1,491 | $2,688 | $3,837 |
Not-at-fault accident | $910 | $1,045 | $1,057 | $1,537 | $1,427 |
Passing a school bus | $1,244 | $1,103 | $1,390 | $2,688 | $1,500 |
Reckless driving | $1,244 | $1,103 | $1,491 | $2,688 | $2,678 |
Cheapest car insurance for drivers with a DUI in Montana
The average annual rate for drivers in Montana is $1,902, but drivers with a DUI or DWI should expect to pay significantly higher rates for car insurance. Drivers with a DUI on their record in Montana pay an average of $3,260 per year for car insurance, which is 71% higher than the average insurance rate.
But each insurance company sets their own rates, which means drivers with a DUI can save money on car insurance by comparing quotes from multiple companies. According to our research, the companies with the lowest rates for drivers with a DUI in Montana are State Farm, Progressive, and USAA.
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,103 |
Progressive | $1,215 |
USAA | $1,750 |
General Casualty Company of Wisconsin | $2,544 |
GEICO | $3,837 |
Cheapest car insurance for drivers with a speeding ticket in Montana
Getting a speeding ticket in Montana will also cause your insurance rates to go up. Drivers in Montana with a speeding ticket or other moving violation on their record pay an average of $2,813 per year for car insurance.
Each insurance company has their own approach to setting rates, which means drivers with a speeding ticket can still find lower rates by comparing quotes from multiple companies. We found that State Farm, USAA, and Progressive have the lowest rates in Montana for drivers with a speeding ticket.
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,103 |
USAA | $1,189 |
Progressive | $1,345 |
GEICO | $1,500 |
General Casualty Company of Wisconsin | $2,544 |
Cheapest car insurance for drivers with bad credit in Montana
A bad credit score can also negatively affect your car insurance rates. Most states, including Montana, allow car insurance companies to use your credit scores as one of many determining factors when setting prices.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,750 |
Progressive | $1,826 |
USAA | $1,842 |
General Casualty Company of Wisconsin | $2,082 |
State Farm | $2,152 |
Car insurance costs in Montana cities
Car insurance companies consider factors like population density and crime rates when determining insurance rates, which is why costs vary from city to city.
Here's how the ten biggest cities in Montana stack up:
Billings: $1,903
Missoula: $1,578
Great Falls: $1,809
Bozeman: $1,763
Helena: $1,620
Kalispell: $1,938
Butte: $1,762
Havre: $2,096
Miles City: $2,016
Belgrade: $1,762
Buying car insurance in Montana
Montana requires minimums at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and $20,000 property in damage liability coverage.
Car insurance companies in Montana are required to offer uninsured/underinsured motorist coverage to drivers, but drivers aren’t required by law to have it. If drivers want to decline or opt out of this coverage they must do so in writing.
Montana is also an at-fault state. That means that the insurance company of the driver deemed responsible for an accident must pay for the victim’s medical bills and repairs, up to the limits of the policy.
How to get cheap car insurance in Montana
Car insurance can be expensive, but there are some simple ways to find cheaper coverage.
Ask about bundling multiple types of insurance, like home and auto
Find out what discounts are offered, like paid-in-full discounts or savings for safe drivers
Reduce coverage on older cars
Maintain a good credit score or repair low credit
Take driver’s education courses
Reshop your insurance yearly to make sure you’re not missing out on better rates
Find car insurance in your city:
Frequently asked questions
How much is car insurance per month in Montana?
Drivers in Montana pay an average of $159 per month for car insurance, or $1,902 per year.
Is car insurance cheaper in Montana?
Montana drivers pay an average of $1,902 per year for car insurance, which is higher than the national average. Drivers in Montana can save money on car insurance by comparing quotes from multiple companies.
Is cutting coverage the only way to save money on car insurance in MT?
Absolutely not. There are a lot of ways you can make your car insurance more affordable. Consider taking driver’s education courses for discounts or reshopping for car insurance to see if you can find cheaper rates with another company.
What is the cheapest insurance in Montana?
On average, USAA has the cheapest car insurance rates in Montana — but only drivers who are affiliated with the military can get coverage from USAA. State Farm is the cheapest insurance company that's open to the general public.
