Cheap Auto Insurance Quotes in Montana (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$46
$60
$65
$77
$158
State FarmProgressiveAllstateTravelersThe General
Monthly $
CityCheapest Carrier
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

Cheapest Liability Auto Insurance in Montana

For drivers in Montana, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Montana. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Montana.

Cheapest Full Coverage Auto Insurance in Montana

For drivers in Montana, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Montana. The following are the best insurance rates from carriers that offer full coverage auto insurance in Montana.

Montana Driving Facts

montana

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.

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 Company
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 Company
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 Company
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 Company
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 Company
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

Insurify Insights: How Montana Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Montana drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Montana

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. Among all fifty states, Montana drivers rank 27 in the number of car accidents per driver.

  • Rank of States: #27
  • Percent of drivers in Montana with an accident: 9.9%
  • Drivers in MT with an accident in their driving history paid on average 24.64% more than drivers with a clean record

Speeding Montana

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Montana drivers rank 16 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #16
  • Percent of drivers in Montana with a speeding ticket: 11.21%
  • Drivers in MT with a speeding ticket in their driving history paid on average 28.99% more than drivers with a clean record

DUI/DWIs Montana

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Montana drivers rank 7 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #7
  • Percent of drivers in Montana with a DUI: 3.57%
  • Drivers in MT with a DUI in their driving history paid on average 12.32% more than drivers with a clean record

Most Popular Vehicle Montana

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Montana is the Ford F-Series Pickup.

Rude Montana

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Montana drivers rank 10 in rude driving infractions.

  • Rank of States: #10
  • Percent of drivers in Montana with a reckless driving violation: 2.11%
  • Drivers in MT with a reckless driving violation in their driving history paid on average 26.09% more than drivers with a clean record.

Safest Drivers Montana

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Montana drivers rank 32 in clean driving records across all fifty states.

  • Rank of States: #32
  • Percent of drivers in Montana with clean record: 78.76%

Street Racing Montana

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Montana drivers rank 39 in street racing violations per driver.

  • Rank of States: #39
  • Percent of drivers in Montana with a street racing violation: --%

Failure to Yield the Right of Way Montana

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Montana drivers rank 14 in failure to yield violations per driver across all fifty states.

  • Rank of States: #14
  • Percent of drivers in Montana with a failure to yield violation: 0.5%
  • Drivers in MT with a failure to yield violation in their driving history paid on average 49.28% more than drivers with a clean record

Reckless Drivers Montana

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. Among all fifty states, Montana drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank of States: #2
  • Percent of drivers in Montana with a reckless driving offense: 0.39%

Hybrid/Electric Vehicle Ownership Montana

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 of States: #48
  • Percent of drivers in Montana with a hybrid/electric vehicle: 0.44%

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

Bozeman

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

Most Patriotic City

Billings

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

#20
Ranked

9%Structurally Deficient
Rural Bridges

#10
Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#2
Ranked


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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.