5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Shopping for car insurance in Montana is an individual decision — a driver exploring Glacier National Park in an old Jeep may have different needs than someone rolling down King Avenue West in a new Mercedes. Car insurance costs depend on various factors, like your age, driving record, and insurer.
Insurify evaluated 50 car insurance companies based on cost, customer satisfaction, coverage options, and other criteria. These are our top picks for the best car insurance companies in Montana.
Best car insurance companies in Montana
Before buying a policy, you should compare quotes from different companies to ensure you get the best rate. Start your search for Montana car insurance with the companies below.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$34/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$61/mo
4.1
Best choiceBased on 11,776 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,224)
Glick
Verified Review
State Farm has never let me down!
Reviewed in California on October 2025
I have been with them for decades... there is a good reason for that!
William
Verified Review
F egm
Reviewed in Alabama on October 2025
High rate increase.
Anna
Verified Review
State Farm for Life!
Reviewed in New York on October 2025
Coverage is great, but the price seems to be going up every month.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is known for low premiums, an award-winning mobile app, and telematics programs that help safe drivers save money. The company also offers discounts for Montana drivers with clean driving records. State Farm has limited additional coverage options, but the company does offer rideshare coverage.
Pros
Ranked No. 2 for customer satisfaction in the Northwest region by J.D. Power[1]
A++ (Superior) financial strength rating from AM Best
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo
3.4
A solid optionBased on 858 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (449)
Stephani
Verified Review
New Customer
Reviewed in Connecticut on September 2025
The pricing is good, but the claims process is horrible.
Anitra Denine
Verified Review
Ridiculously High Rates
Reviewed in Georgia on September 2025
The rates are ridiculously high, but I have to have insurance.
Corey
Verified Purchase
Second Time Around
Reviewed in on August 2025
Straight to the point, easy-to-use options, and it doesn't get much easier. Pricing is competitive. Good option.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Root uses driving habits to set insurance rates, so you can save money on your premium if you ’re a safe driver. The company typically has cheaper rates for liability-only and full-coverage insurance than other insurers in Montana. Root tracks your driving using a mobile app, which you can also use to file claims or request roadside assistance.
Pros
Excellent customer ratings on Trustpilot
Allows you to test-drive its app for a rate estimate
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$65/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
3.9
A solid optionBased on 12,432 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,575)
Gregory
Verified Purchase
Geico
Reviewed in on October 2025
Good rates and service.
Renee
Verified Review
Average
Reviewed in New Jersey on October 2025
Good insurance, but the rates are too high and increase every year.
Mary Ann
Verified Purchase
Satisfied
Reviewed in on October 2025
I am pleased with my car rate. In the past, I’ve paid much more. I am also happy about the roadside service that is offered.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers many discounts for Montana drivers — including multi-vehicle, bundling, and good student discounts. It even offers a discount for completing a defensive driving course. You can also customize your policy with optional coverage like mechanical breakdown insurance.
Pros
A++ (Superior) financial strength rating from AM Best
Highly rated mobile app
Multi-car discount available
Cons
Below-average customer satisfaction rating in the Northwest region from J.D. Power
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$134/mo
4.3
Best choiceBased on 899 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (500)
Warren
Verified Review
Tired of High Premiums
Reviewed in Alabama on September 2025
I was a Safeco customer for auto and homeowners for 34 years. Yes, I had auto claims (teenage drivers), so we had claims. However, we never had a homeowners claim. Every year, the premiums continued to rise. I stuck with Safeco out of loyalty for all these years, but now, their cost is too much. I just switched to another carrier and saved over $2,000 for the same coverage.
Jason
Verified Purchase
Can't Believe the Great Rates
Reviewed in on September 2025
So far, so good. Great rates and communication, etc. I have yet to file a claim with them, so I can't comment on that.
Dan
Verified Review
Best company ever...but
Reviewed in Texas on August 2025
The first several years are outstanding, but of course, the rates start climbing to beyond reasonable.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Safeco offers relatively low premiums in Montana — particularly for older drivers. Every Safeco policy includes a vanishing deductible, and you’ll get cash back every six months without a claim. Montana residents can also access an extensive network of independent agents who can answer policy questions.
Pros
Telematics program and safe driving discounts available
A (Excellent) financial strength rating from AM Best
New-vehicle replacement coverage available
Cons
Poor ratings for customer and claims satisfaction in the Northwest region from J.D. Power
High rates for teen drivers
Above-average number of customer complaints with the NAIC
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo
4.9
Best choiceBased on 2,220 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,242)
Lana
Verified Review
USAA 50/50
Reviewed in Mississippi on September 2025
Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).
Robert
Verified Review
Good
Reviewed in Delaware on September 2025
Safe driving discount.
Natalie
Verified Review
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Reviewed in Michigan on September 2025
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA offers savings to Montana military members, veterans, and their families. The company offers benefits like accident forgiveness, a safe-driving telematics program, and a discount for storing your car at a military base. Plus, USAA consistently gets high ratings for customer satisfaction and financial strength.
Pros
Ranked No. 1 for customer satisfaction in the Northwest region by J.D. Power
A++ (Superior) financial strength rating from AM Best
Safe driving discounts available
Cons
Limited optional coverage available
Only available to military members and their families
Above-average number of customer complaints with the NAIC
Our editorial team analyzed regional and national auto insurance companies that sell policies in Montana to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Montana
Montana drivers can get the minimum-required coverage from any state-licensed auto insurer. But finding the best car insurance for your needs can be challenging. Here are a few tips on how to get the right policy at the best price.
Consider your coverage needs
Montana requires all drivers to purchase at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $20,000 in property damage liability insurance.[2]
If you cause an accident, liability insurance covers the other driver’s injuries and damage to their vehicle. Montana is a tort state, meaning drivers can sue the at-fault party after a crash. So drivers should consider higher liability limits to avoid costly issues.
You might also consider purchasing a full-coverage policy, which includes comprehensive and collision coverage. Nearly 9% of Montana drivers don’t have auto insurance, so you should also consider purchasing uninsured/underinsured motorist coverage.
To narrow your options, look at what people have to say about the car insurance companies you’re considering. A few sources of third-party ratings and customer reviews include:
Financial strength ratings from AM Best and Moody’s
Customer satisfaction ratings from J.D. Power
NAIC Complaint Index
Complaints with the BBB
Customer reviews on Trustpilot
Decide which digital tools you need
Some of the best car insurance companies use technology like telematics programs to provide a better experience. Consider whether you need any of the following:
Online and mobile app claims filing
Live chat customer support
Safe-driving telematics programs
Mobile app roadside assistance requests
Digital insurance cards
Compare quotes and look for discounts
Each insurer calculates rates differently, so you should compare auto insurance quotes to get the best deal. For example, some companies offer cheaper car insurance rates for younger drivers, while others may be more expensive for high-risk drivers. Comparing rates is the best way to get the cheapest premium.
You can get quotes from each insurer or save time by using an insurance-comparison tool. If you get quotes from individual companies, make sure to choose the same coverage and limits. You should also check the insurers’ websites or ask your agent whether you’re eligible for any discounts. Your car insurance quote might not include all available discounts.
Find Cheap Car Insurance in Montana
Compare rates from leading insurers
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Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Montana
The average cost of car insurance in Montana is $142 per month for full-coverage insurance and $67 per month for liability-only insurance. Rates have increased in recent years, but Montana car insurance premiums are typically lower than the national average.
Risky driving, increased repair costs, and more frequent and costly natural disasters are all factors causing premium increases in Montana.[3] But you can save money on car insurance by comparing quotes and taking advantage of discounts.
Best car insurance in Montana FAQs
If you still have questions about buying a car insurance policy in Montana, we can help. We’ve answered some of drivers’ most common questions about insurance in Montana.
How much is car insurance in Montana?
Car insurance in Montana costs an average of $104 per month. Montana drivers pay $67 monthly for liability-only insurance and $142 per month for full coverage.
What are the best car insurance companies in Montana?
State Farm, Root, GEICO, Safeco, and USAA are among the best car insurance companies in Montana. But the best company for you depends on your coverage needs and budget. Comparing quotes from multiple insurers can help you get the right coverage at the best price.
What is the required auto insurance coverage amount in Montana?
Montana requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. Policies must also include at least $20,000 in property damage liability coverage. Driving uninsured could result in a fine of up to $500 and up to 10 days in jail, and Montana police officers electronically verify policies at traffic stops.
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Lindsay has been a contributor at Insurify since October 2022.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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