Cheap Auto Insurance Quotes in Montana (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Does Living in the Treasure State mean car insurance costs a fortune?

Montana is one of those states well-known for beauty—Glacier National Park, alpine roads, rolling foothills and bluffs. Less well known is the excellent infrastructure, top-rated colleges, low taxes, low cost of living, and little traffic. No wonder places like Bozeman regularly make “Best Places to Live for…” lists. Yet the fourth largest state in the country has just over one million residents.

When you’re lucky enough to have a 406 area code, saving on insurance premiums may not be the first thing on your mind, but it shouldn’t be the last. Read on to discover ways to save big in Big Sky country

Cheapest Car Insurance in Montana

Here are the cheapest carriers in Montana for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Montana.

Best Car Insurance in Montana

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Montana. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Montana

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Montana to find you the cheapest quotes in each of these metropolitan areas.

Billings is the most populous city in Montana.

CityCheapest CarrierQuote
State FarmState Farm
$46/mo
State FarmState Farm
$43/mo
State FarmState Farm
$50/mo
State FarmState Farm
$36/mo
State FarmState Farm
$44/mo
State FarmState Farm
$39/mo
State FarmState Farm
$44/mo
State FarmState Farm
$30/mo
State FarmState Farm
$29/mo
State FarmState Farm
$39/mo
State FarmState Farm
$35/mo
State FarmState Farm
$35/mo
State FarmState Farm
$44/mo
State FarmState Farm
$44/mo
State FarmState Farm
$28/mo

Montana Driving Facts

Minimum Car Insurance Requirements in MT

Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.

According to the Montana Department of Justice, Montana auto insurance requirements include:

  • $25,000 bodily injury liability per person 
  • $50,000 bodily injury liability in total per accident
  • $20,000 property damage liability

In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverageMontana drivers must reject these riders in writing if they want to remove it from their policy.

montana

Cheapest Car Insurance Quotes in Montana by Profile

Here are the cheapest insurance companies in Montana based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Montana drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Montana, at $28 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompanyQuote
State Farm
$28/mo
Progressive
$53/mo
Allstate
$61/mo
Travelers
$67/mo
American Family
$129/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance CompanyQuote
State Farm
$28/mo
USAA
$34/mo
Progressive
$48/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance CompanyQuote
USAA
$22/mo
State Farm
$31/mo
National Farmers
$43/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance CompanyQuote
USAA
$21/mo
State Farm
$28/mo
GEICO
$43/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Montana, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $16 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Montana 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Montanans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance CompanyQuote
USAA
$16/mo
State Farm
$24/mo
National Farmers
$28/mo

SR‌-22 Insurance in Montana

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Montana on your behalf.

MT DMV Information

When you move to Montana, you’ll have 60 days to transfer your registration and your driver’s license. You do have to show up in person to the DMV with your required documents, but as of this time, there is no safety check or emissions requirements. Required documents include:

  • Proof of residency like a rental agreement, insurance policy, or school records
  • Proof of identity like an out-of-state license, passport, birth certificate
  • Proof of authorized presence like a passport or birth certificate

Once you’ve transferred your residency, you’ll be able to use online services for many of your DMV errands. You can:

  • Schedule appointments
  • Access forms and applications
  • Renew driver’s license
  • Review driving record and license status
  • Renew registration
  • Lookup vehicle records

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We've been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We've also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Greenest Cities in Montana

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Montana offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Helena

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Helena

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Helena won Insurify's Most Patriotic Cities Award for the state of Montana. Also the state's capital city, Helena was founded as a mining town by four pioneers from the American South now known as the "Four Georgians."

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Montana is vital for all car insurance shoppers hitting the road in The Treasure State.

road with cars illustration

Road Rankings

8%Rural Roads in
Poor Condition

#20Ranked

9%Structurally Deficient
Rural Bridges

#10Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#2Ranked


FAQs - Montana Car Insurance

Is car insurance required in Montana?

Technically speaking, drivers in Montana just need to show “financial responsibility” in order to operate their vehicles lawfully. Financial responsibility just means drivers have the means to pay for any hypothetical damages they cause. However, most people don’t have enough cash on hand to prove financial responsibility, and for these drivers insurance is the only legal way to meet state requirements. Even if drivers have the means, it’s still a good idea to carry insurance because in a tort state there are few limits on litigation. In other words, without insurance to back you up, you may be sued for everything you’ve got.

How do I get cheap car insurance in Montana?

The cheapest auto insurance in Montana will vary from driver to driver. Even drivers with the same car and in the same neighborhood can have differing driving records, discount opportunities, and credit scores. All of these affect the cost of premiums. The best thing to do is shop around. When you know the range of prices available to you, you will be better equipped to make your decision. To begin, make a list of coverages you need. Add to that list the conveniences you’d like to have like an in-person agent or easy-to-use app. Knowing your preferences will make it easier to choose your company when prices are similar between your options. While it may seem like a lot of work, with a tool like Insurify you can compare 6 or more real quotes in just minutes, and you can adjust coverage limits and other options to get an even more detailed picture of what’s out there. Don’t forget to set alerts for price drops!

Who has the best car insurance in Montana?

The best car insurance is going to depend on the needs and preferences of the driver(s) on the policy. The aforementioned list of preferences can make the same company ideal for one driver and a deal-breaker for another. For example, a driver who wants an in-person agent may pay a little more to have one. To get the best car insurance in Montana make a list of your preferences and prioritize them. This will make it so much easier to find the right company for you and the best deal.