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Cheap Car Insurance in Montana (With Quotes, May 2022)
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Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka
Last Updated May 10, 2022
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Quick Facts
- The average cost of car insurance in Montana is $165 per month, or $1,977 annually.
- Travelers is the cheapest provider we found in Montana, with average premiums of $115 per month.
- Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.
Car Insurance in Montana
Like home and renters insurance, auto insurance costs will vary depending on location within the state and the extent of insurance coverage provided. Driver profile, background, age, and marital status also factor into rates, in addition to driving and accident history for individuals with past DUIs, speeding tickets, or at-fault accidents.
See More: Cheap Car Insurance
See More: Cheap Car Insurance No Deposit
Cheapest Car Insurance in Montana
How much is car insurance in Montana?
The average cost of car insurance in Montana is $165 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
We compiled a list of the cheapest auto insurance options in the state based on providers’ average monthly quotes to ensure people find the best rates for their personal needs. The following options range from $115 to $221 a month, with Travelers providing the most cost-effective car insurance coverage in the state.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $115 |
| Progressive | $140 |
| Acuity | $144 |
| Midvale Home & Auto | $155 |
| The General | $162 |
| Safeco | $167 |
| Nationwide | $194 |
| Hallmark | $221 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
See More: Car Insurance Quotes
Cheapest Liability Auto Insurance in Montana
Liability coverage is required in most states and protects drivers when they are responsible for an auto accident or incident. Bodily injury liability and property damage liability cover some of the costs for medical expenses and property damage accrued by those impacted by the driver’s actions. Amounts covered by liability insurance depend on set coverage limits.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $61 |
| Progressive | $62 |
| Acuity | $65 |
| Midvale Home & Auto | $75 |
| Safeco | $81 |
| The General | $108 |
| Hallmark | $119 |
| Nationwide | $181 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheapest Full-Coverage Auto Insurance in Montana
A full-coverage car insurance policy provides comprehensive coverage, collision coverage, and liability insurance. Think of this policy as a holistic combination of multiple types of coverage beyond the state minimum coverage. The deductible and coverage limit may vary. Below is a list of the cheapest options to ensure drivers will not be underinsured.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $131 |
| Acuity | $154 |
| Progressive | $178 |
| Midvale Home & Auto | $179 |
| Safeco | $194 |
| Nationwide | $197 |
| The General | $206 |
| Hallmark | $333 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Best Car Insurance in Montana
The following chart depicts the highest-rated car insurance providers in Montana, along with their average rates. We compiled the list using the Insurify Composite Score that analyzes and considers a number of factors.
| Car Insurance Company | ICS | Average Monthly Quote |
|---|---|---|
| Nationwide | 89 | $194 |
| Safeco | 86 | $167 |
| Travelers | 80 | $115 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
See More: Best Car Insurance Companies
Insurify Composite Score
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.
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Montana Car Insurance Rates by Driving and Accident History
Driving records and accident history impact car insurance rates, with speeding tickets, at-fault accidents, and DUIs often increasing costs more than for those with no recorded violations. Insurify has determined the most cost-effective Montana auto insurance offering coverage for any driving history a person may have.
See More: High-Risk Car Insurance Montana
Cheap Car Insurance for Good Drivers in Montana
Individuals benefit from having a clean driving record free of any moving violations, accidents, and crimes. A clean record keeps car insurance rates cheap and helps drivers remain in good standing with auto insurance providers. The best Montana car insurance rates for drivers with clean records are provided in the chart below.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $108 |
| Progressive | $126 |
| Midvale Home & Auto | $134 |
| Acuity | $152 |
| Safeco | $154 |
| The General | $154 |
| Nationwide | $187 |
| Hallmark | $204 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheap Car Insurance for Drivers with DUI in Montana
In the aftermath of being charged with a DUI, insurance rates increase for at least several years, and other fees and filings become necessary before an individual can start driving again. The multifaceted process can be overwhelming, but Insurify has found the auto insurance providers with the cheapest rates for drivers with DUIs in Montana.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Travelers | $118 |
| The General | $162 |
| Nationwide | $180 |
| Safeco | $185 |
| Midvale Home & Auto | $195 |
| Progressive | $195 |
| Hallmark | $247 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
See More: SR-22 Insurance Montana
SR-22 Insurance in Montana
When an individual has their driver’s license suspended, they eventually will need to complete an SR-22 insurance certification that ensures they meet the state’s requirements for auto insurance. The following insurance companies offer this SR-22 certification process for Montana drivers.
Cheap Car Insurance for Drivers with an At-Fault Accident in Montana
Accidents, no matter how small, raise rates for the driver responsible, especially if they did not purchase accident forgiveness as an insurance add-on. Various discounts are available and often necessary to begin lowering costs. The following companies have the lowest rates for Montana drivers with just one at-fault accident.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Acuity | $70 |
| Travelers | $128 |
| Progressive | $171 |
| The General | $180 |
| Safeco | $201 |
| Nationwide | $216 |
| Midvale Home & Auto | $233 |
| Hallmark | $259 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Cheap Car Insurance for Drivers with Speeding Tickets in Montana
When drivers get a speeding ticket, their insurance rates increase based on the frequency of tickets and on how many miles per hour over the speed limit they were driving. Montana ranks #16 in the nation for the number of speeding infractions per driver. Discount programs are available, and the following insurance providers offer the cheapest rates for insurance coverage.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Acuity | $130 |
| Travelers | $139 |
| Progressive | $166 |
| The General | $191 |
| Midvale Home & Auto | $194 |
| Safeco | $208 |
| Nationwide | $212 |
| Hallmark | $254 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Montana Car Insurance Rates by Credit Tier
One factor that might influence what you pay for car insurance is your credit history. Generally, drivers with excellent credit see the lowest rates while drivers with poor credit see the highest monthly premiums. Below is what Montana drivers can expect to pay based on their credit score.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $149 |
| Good | $159 |
| Average | $185 |
| Poor | $230 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
See More: Bad Credit Car Insurance Montana
Car Insurance Rates in Montana Cities
Car insurance premiums may be different from city to city. Insurify reviewed the data of Montana’s major cities to find the cheapest costs in each area. Find out where you can find low rates below, whether you’re in Bozeman, Billings, Helena, or elsewhere.
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Montana Car Insurance Rates by Driver Age
Montana drivers under 40 typically pay higher rates for car insurance. Insurance companies consider less experienced, young drivers high-risk, specifically teen drivers and 21-year-olds. New drivers even have extra guidelines to consider regarding curfews and device and passenger limitations. Insurify crunched the numbers for the best rates at any age below.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $275 |
| Under 25 | $160 |
| 20s | $193 |
| 30s | $149 |
| 40s | $149 |
| 50s | $127 |
| 60s | $122 |
| 70s | $126 |
| 80+ | $145 |
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
Montana Driving Facts
Every state has minimum insurance requirements, and Montana is no exception. Additionally, all drivers in Montana will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Montana.
Minimum Car Insurance Requirements in Montana
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 coverage, Montana drivers must reject these riders in writing if they want to remove it from their policy.
Montana DMV Information
DMVs in Montana offer a number of services for residents, many of which they offer online. Individuals can schedule appointments, renew their driver’s license, access various forms and applications, review their driving records and the status of their license, renew registration, and look up vehicle records online.
Individuals moving to the state have up to 60 days to transfer car registrations and update their driver’s license in person at the DMV. This process requires documents, including proof of residency, proof of identity, and proof of authorized presence in the country.
Public Transportation in Montana
Public transportation in Montana is limited but includes passenger trains, planes, buses, and vans. Specialized services and agencies are available for the elderly and disabled. Amtrak is the passenger train service available, and there are numerous international and smaller airports available within the state. How to Get the Cheapest Car Insurance in Montana
To effectively compare quotes fitting your individual auto insurance needs, utilize Insurify as a tool. As long as you solidify exactly what type of coverage is needed, you will be able to find an insurance company with affordable rates for quality coverage. Insurify allows you to compare quotes in minutes and toggle between various auto insurance companies.
Frequently Asked Questions
Yes, drivers in Montana are required to hold bodily injury and property damage coverage. Drivers without these funds need auto insurance coverage that meets state liability minimums and protection from lawsuits. Insurance providers must also offer uninsured motorist coverage, though it is not required.
The best car insurance companies with the cheapest auto insurance rates vary for every driver, depending on discounts, driving records and history, and the coverages needed. The most important step revolves around deciding which coverages you need. From there, using a tool such as Insurify allows you to compare quotes fitting your personalized needs in minutes.
Costs in Montana depend on a number of factors related to location, driver records and history, driver profiles, insurance history, types of coverage, and more. Though rates change, Insurify found that Travelers provides the cheapest car insurance in Montana, with an average monthly quote of $108. On the higher end, Hallmark has an average monthly quote of $221.
Insurance rates and annual premiums in Montana increase whenever drivers are responsible for auto accidents or incidents. Speeding tickets, at-fault accidents, and DUIs all lead to upticks in driver billings.
No, it is not required in Montana because it is not a no-fault state.
Insurify Insights
How Montana Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Montana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Montana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Montana
#16
State with the Most Speeding Tickets Rank
#35
State with the Moving Violations Rank
#7
State with the Most DUIs Rank
#28
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Montana is the #28 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #28
- Percent of drivers in Montana with an accident: 9.77%
- Percent of all U.S. drivers with an at-fault accident: 10.18%
- Drivers in MT who have a current at-fault accident on their driving record pay 24.64% more on average than drivers with a clean record.
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Montana is the #16 state in the country for drivers with a speeding ticket on record.
- Rank among states: #16
- Percent of drivers in Montana with a speeding ticket: 11.21%
- Percent of all U.S. drivers with a speeding ticket: 9.18%
- Drivers in MT with a speeding ticket in their driving history pay on average 28.99% more than drivers with a clean record.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Montana is the #7 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #7
- Percent of drivers in Montana with a DUI: 3.57%
- Percent of all U.S. drivers with a DUI: 1.65%
- Drivers in MT with a DUI in their driving history pay on average 12.32% more than drivers with a clean record.
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Montana is the #10 state in the country for drivers with a rude driving violation on record.
- Rank among states: #10
- Percent of drivers in Montana with a rude driving violation: 2.11%
- Percent of all U.S. drivers with a rude driving violation: 1.68%
- Drivers in MT with a rude driving violation in their driving history pay on average 26.09% more than drivers with a clean record.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Montana is the #2 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #2
- Percent of drivers in Montana with a reckless driving offense: 0.39%
- Percent of all U.S. drivers with a reckless driving offense: 0.0949%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Montana is the #14 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #14
- Percent of drivers in Montana with a failure to yield violation: 0.5%
- Percent of all U.S. drivers with a failure to yield violation: 0.36%
- Drivers in MT with a failure to yield violation in their driving history pay on average 49.28% more than drivers with a clean record
Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Montana is the #32 state in the country for drivers with a clean record.
- Rank among states: #32
- Percent of drivers in Montana with a clean record: 78.76%
- Percent of all U.S. drivers with a clean record: 82.17%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Montana drivers rank #48 in hybrid and electric vehicle ownership across all fifty states.
- Rank among states: #48
- Percent of drivers in Montana with a hybrid/electric vehicle: 0.44%
- Percent of all U.S. drivers with a hybrid/electric vehicle: 2.4%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
From the suburbs of St. Louis, Katie Powers is a freelance writer for Insurify and elsewhere. Since completing her undergraduate degree in writing, literature, and publishing, she’s wrapping up a master’s degree in publishing at Emerson College. In her free time, she likes to read and go for long walks.
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