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Best Car Insurance Companies in Montana 2022: Quotes, Discounts

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Montana is Nationwide.
  • Travelers is the cheapest insurer on average in Montana, with average rates of $104 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

Home to some of the United States' most grand national parks, Montana is a haven for outdoor experiences: fishing, hunting, hiking, and skiing. Fortunately, Big Sky Country's beauty is easy to appreciate from your truck, car, or SUV.

Montana has a few great choices for car insurance that provide a balance of coverage, service, claims, and price. Nationwide and Safeco reign supreme as the best car insurance companies in the state. Montana drivers can expect to pay an average of $150 per month for auto insurance protection. However, rates typically range from $138 to $160 per month.

It's tempting to check with only one or two companies before buying car insurance coverage, but you might miss out on some insurance providers with more to offer. Fortunately, Insurify has an easy-to-use platform to help you compare dozens of car insurance options in less time to find the best fit.

See More: Best Car Insurance Companies

See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

These are the top six Montana car insurance companies in 2022.

RankCompany NameAverage Cost Per Month in MontanaInsurify Composite Score
1Nationwide$17489
2Safeco$16386
3Travelers$10480
4Midvale Home & Auto$142Not Rated
5The General$148Not Rated
6Hallmark$210Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

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.

Top Car Insurance Companies: Find the Right One for You

What is the best and least expensive car insurance in Montana?

In Montana, Travelers offers good customer service, reliably pays claims, and generally has low rates for car insurance. Keep in mind that what you pay for car insurance will depend on a number of factors like your age, gender, location, and driving record.

Since Montana is known for intense winter weather, make sure your car insurance can protect you and your vehicle. Prancing elk and icy roads never take days off.

Nationwide, Safeco, and Travelers all top our list of Montana's best car insurance companies for 2022. The General is also a good choice if you have a history of accidents or speeding tickets.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$174
Insurify Composite Score:
89

Nationwide offers a wide selection of coverage for auto insurance and more. You can bundle policies to get car, home, life, pet, umbrella, and additional insurance.

Nationwide is our top choice for Montana drivers. Customers consistently rank them high for claims handling and customer service satisfaction - two essential factors to consider if you’re in an automobile accident.

Top discounts that the company offers include:

  • Multi-policy
  • Telematics
  • Safe driver
  • Accident-free
  • Good student
  • Defensive driving course
  • Anti-theft device
  • Automatic payment
  • Organization affiliation (alumni, employers, professional, and sports groups)

Nationwide's rates are not the cheapest auto insurance for Montana drivers, but price is not the only factor when choosing an insurer.

Driver CategoryAverage Monthly Cost
Drivers Under 25$236
Drivers Over 60$133
Safe Drivers (No Prior Violations)$169
Drivers With a Prior Accident$215
Drivers With a Prior Speeding Ticket$212
Drivers With Average Credit$191
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$163
Insurify Composite Score:
86

Safeco is a 100-year-old brand and part of Liberty Mutual. Although its car insurance rates are mid-range, it has many different types of insurance like homeowners, RV, and watercraft that set you up for bundling discounts.

Top discounts from Safeco include:

  • Multi-car
  • Multi-policy/bundling
  • Accident prevention course
  • Low annual mileage
  • Safe driver
  • Teen driver safety program
  • Anti-theft devices
  • Anti-lock brakes
  • Homeowner

Safeco's insurance costs range from $106 per month for senior drivers to $257 for inexperienced drivers under 25.

Driver CategoryAverage Monthly Cost
Drivers Under 25$257
Drivers Over 60$106
Safe Drivers (No Prior Violations)$150
Drivers With a Prior Accident$200
Drivers With a Prior Speeding Ticket$205
Drivers With Average Credit$176
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
3
Travelers logo

Travelers

Average monthly cost:
$104
Insurify Composite Score:
80

Travelers is one of the oldest names in property, casualty, and specialty insurance. It offers auto, renters, boat, travel, wedding, and umbrella insurance policies. With Travelers, you enjoy a balance of affordable rates and discounts while benefiting from a reliable insurer.

Travelers is one of the least expensive car insurance companies available for Montana drivers. Safe drivers may pay as little as $98 per month for coverage.

Travelers has a variety of discounts available:

  • Multi-policy
  • Multi-car
  • New car
  • Homeowner
  • Safe driver
  • E-payment
  • No gaps in coverage
  • Driving a hybrid or electric car
  • Good student grades
  • Student at college without a car
  • Driver training
  • Affiliation with specific alumni, employers, or professional groups

Travelers' rates range from $78 to $140 per month, depending on the driver's age. Even higher-risk drivers with an accident or speeding ticket history can find reasonable rates with Travelers.

Driver CategoryAverage Monthly Cost
Drivers Under 25$140
Drivers Over 60$78
Safe Drivers (No Prior Violations)$98
Drivers With a Prior Accident$128
Drivers With a Prior Speeding Ticket$137
Drivers With Average Credit$111
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Midvale Home & Auto Insurance company is an excellent coverage option for cheap car insurance. You can also get homeowners, renters, and condo coverage. The company is based in Madison, Wisconsin, and is a member of the American Family Life insurance company.

Midvale Home & Auto offers a substantial list of discounts:

  • Good driver
  • Homeowner
  • Low mileage, anti-lock brakes, and electronic stability control
  • Good student
  • New graduate and student away at school
  • Military and occupation
  • Senior adult
  • Multiple policy
  • Loyalty, provider switch, and early quote
  • Paid in full and paperless documents

Midvale has affordable rates for Montana drivers, with rates as low as $92 per month up to $229 per month.

Driver CategoryAverage Monthly Cost
Drivers Under 25$209
Drivers Over 60$92
Safe Drivers (No Prior Violations)$122
Drivers With a Prior Accident$229
Drivers With a Prior Speeding Ticket$193
Drivers With Average Credit$152
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
The General logo

The General

Average monthly cost:
$148
Insurify Composite Score:
N/A

The General has been selling car insurance for nearly 60 years. The company is associated with American Family insurance and is a leader in the low-cost auto industry. You can find various insurance coverage, including homeowners and RV coverage with The General.

The company is best known for covering drivers with accident and speeding histories, but its rates are very competitive for all categories in Montana.

Top discounts that the company offers include:

  • Good student
  • Double deductible
  • Military
  • Pay in full
  • Homeowner
  • Multi-car
  • Airbag
  • Anti-lock brakes
  • Clean driving history

Montana car insurance rates with The General range from $111 to $209 per month, depending on your age, credit score, and driving record.

Driver CategoryAverage Monthly Cost
Drivers Under 25$209
Drivers Over 60$111
Safe Drivers (No Prior Violations)$141
Drivers With a Prior Accident$177
Drivers With a Prior Speeding Ticket$188
Drivers With Average Credit$150
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
Hallmark logo

Hallmark

Average monthly cost:
$210
Insurify Composite Score:
N/A

Hallmark specializes in affordable car insurance for various high-risk drivers, such as those with a suspended license requiring insurance, no previous insurance, or a foreign license.

You can buy full auto insurance coverage from Hallmark, including collision and comprehensive, in addition to liability protection. Plus, you can add roadside assistance and rental car reimbursement if needed.

Hallmark insurance company sells car insurance in select states only - luckily, the Treasure State is one of them.

Top discounts that the company offers include:

  • Multi-policy
  • Multi-car
  • Homeowner
  • Prior coverage
  • Recurring payment
  • Foreign driver's license

Hallmark car insurance runs between $190 and $369 per month. However, experienced drivers with a good driving history may find less expensive coverage elsewhere.

Driver CategoryAverage Monthly Cost
Drivers Under 25$388
Drivers Over 60$178
Safe Drivers (No Prior Violations)$190
Drivers With a Prior Accident$267
Drivers With a Prior Speeding Ticket$266
Drivers With Average Credit$212
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Montana

There are a few different things to consider when looking for an auto insurance company, some of which might be surprising. First and foremost, think about what kind of vehicle you’re driving - it can have a significant impact on your car insurance premiums.

For example, if you have a sports car or classic convertible, you should expect higher premiums than if you have a 10-year-old compact sedan.

The average rate for a car insurance policy is $150 in Montana. Rates range from $149 in Missoula to $198 per month in Billings.

CityAverage Monthly Cost
Big Sky$146
Billings$198
Bozeman$174
Great Falls$172
Helena$188
Missoula$149
Whitefish$122
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

You can buy several different types of car insurance, but it’s a good idea to first evaluate your lifestyle before deciding which type is best for you.

If you’re a young driver or have an expensive car, you may want to consider extra protection like comprehensive and collision insurance. But if you’re an older driver with an older car and don’t own anything too valuable, there’s no reason to spend more money on certain kinds of coverage.

When looking for car insurance, it pays to shop around the car insurance marketplace. The process is easy. First, enter your details (age, driving history, location, etc.) so Insurify's speedy platform can search for the coverage you want. Then, it instantly gives you quotes from multiple car insurance companies.

See More: Car Insurance for Bad Driving Records

Frequently Asked Questions

  • You have many different choices when it comes to choosing a car insurance company. While companies like GEICO, Allstate, and State Farm offer coverage, there is no official best company for car insurance in Montana. It all depends on your specific needs and budget, as well as how old you are, where you live, and what kind of driving record you have (or don’t have).

  • Cheap car insurance companies aren’t always easy to find, especially if you don’t know where to look. Plus, auto insurance companies are forever changing their prices, so it’s hard to find a truly accurate answer to what is or isn’t cheap car insurance. Fortunately, you can shop multiple companies to find cheap auto insurance rates with a click of a button when you use Insurify.

  • The right type of car insurance depends on your situation. But your auto insurance policy should include at least the state minimum coverage levels of bodily injury liability and property damage liability insurance in case you accidentally damage someone else's property or injure someone. You may also want to add full coverage, collision coverage, or comprehensive coverage for even more protection.

  • If you’re looking for cheap auto insurance, comparing car insurance quotes online with Insurify is one of your best bets. By entering your ZIP code into our online quote tool, you’ll get quotes from several companies that will let you compare all their available prices and packages to find your best rates.

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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.

Amy Beardsley
Amy Beardsley
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Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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