Best Car Insurance in Montana (2026)
State Farm, Root, and GEICO are among our top picks for Montana’s best car insurance companies.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byLindsay Frankel
)
Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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.
State Farm: Best overall
| User Reviews | 4.2 |
|---|---|
| IQ Score 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. | $32/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. | $71/mo |
4.2
Best choice in MontanaBased on 18,476 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing 3 reviews from Montana driversSee all 7,609 State Farm reviews
Verified Review
Reviewed in Montana on May 9, 2026
Great service with agents Robin England and Mike Radovich in Great Falls, MT. Informative, helpful, and always available!
Verified Review
Reviewed in Montana on February 28, 2026
I appreciate the customer service, but I feel they are overpriced. I have been comparing with other companies, and SF is twice what others have quoted me.
Verified Review
Reviewed in Montana on October 20, 2025
State Farm charges very high rates. The agent never contacts you to discuss the policy; you have to call them. The agent has only talked to us in person once when he signed us up for insurance. Double-check charges. First, we're told a policy is canceled, and then it's back on again. Also, vehicles were put down as work vehicles that weren't because it is a dually, and you don't use a dually for personal use.
We asked that it not be listed as work as we have a work vehicle, and it has taken them a couple of months to send it through processing. Still don't know if it is listed as personal or work because nobody calls to tell us. Make sure you get a company that communicates effectively.
Also, if State Farm can spend millions of dollars on a 15-second commercial for the Super Bowl, why can't they drop rates? This is not fair. If they are in the blue, why not pass it on to the customer? We are the ones that put the money in there.
JD Power
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)
Cons
Payoff Protector (gap) coverage is limited to customers who originate an auto loan through State Farm Bank
Poor customer reviews with the Better Business Bureau (BBB)
Doesn’t offer accident forgiveness coverage
Root: Best for good drivers
| 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 |
|---|---|
| IQ Score 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. | $64/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 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing recent national reviewsSee all 539 Root reviews
Verified Review
Reviewed in Utah on June 1, 2026
Getting expensive.
Verified Review
Reviewed in Texas on May 31, 2026
My initial discount price was great, but it didn't last 60 days as they represented. It went up in 30 days by over 100 dollars without any notification. I had an accident, and the customer service was horrendous! I would not recommend Root Insurance.
Verified Review
Reviewed in Florida on May 31, 2026
ROOT is great. Some people may find it frustrating that 99% of the interactions are strictly online through the app or email. Making changes to your policy is super easy in the app though. If multiple people drive one vehicle, all drivers must have the ROOT app downloaded for accurate data for your rate.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93
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
Few customer complaints with the NAIC
Cons
No discounts available
Few optional coverages available
Not rated for financial strength by AM Best or other rating services
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score 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. | $61/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. | $136/mo |
4.0
Best choice in MontanaBased on 18,538 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing recent national reviewsSee all 7,786 GEICO reviews
Verified Review
Reviewed in Florida on June 5, 2026
Great price and service.
Verified Review
Reviewed in New York on June 5, 2026
I've been with GEICO for 20 years and had one accident. Unfortunately, GEICO did not offer accident forgiveness.
Verified Review
Reviewed in Florida on June 5, 2026
I get the best rate in my area.
…
JD Power
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
Gap coverage not available
Poor customer ratings on Trustpilot
Safeco: Great for affordable premiums
| User Reviews | 4.4 |
|---|---|
| IQ Score 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. | $67/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. | $136/mo |
4.4
Best choice in MontanaBased on 1,060 verified driver reviews and ratings
Safeco's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing recent national reviewsSee all 539 Safeco reviews
Verified Review
Reviewed in Oklahoma on April 24, 2026
They charge too much money for the old stuff that I have, nothing higher than a 2006 or 2013 for my Jeep. They told me what a good customer I was. I made a mistake on the dates and paid it all in full on the 22nd when I thought that's when it was due, but I paid it on the 21st. I didn't think I was late, but they charged me a late fee. It was due on the 15th, and I missed that email. They did not care, well neither do I. So, just as soon as I find something cheaper, I'm going. I already dropped it down to just the bare minimum. Y'all lost a good customer.
Verified Review
Reviewed in Utah on April 19, 2026
Premiums started low, but it seems like with every renewal they increase again and again. I would think that the longer I am a customer, they would go in the other direction.
Verified Review
Reviewed in Alabama on March 23, 2026
My car got older, and the insurance increased over the last 3 years.
…
JD Power
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, a Liberty Mutual company, 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
USAA: Best for military members and veterans
| User Reviews | 4.2 |
|---|---|
| IQ Score 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. | $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. | $77/mo |
4.2
Best choice in MontanaBased on 3,728 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing recent national reviewsSee all 1,586 USAA reviews
Verified Review
Reviewed in Florida on June 2, 2026
Excellent customer service, a must-have if stationed overseas, and competitive policy pricing. Easy claims process, quick payments, and overall ease of use. I love USAA but I just needed a cheaper policy right now.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
Verified Review
Reviewed in New Mexico on May 30, 2026
That's the best car insurance you can buy, but it's very expensive.
…
JD Power
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 active-duty military members, veterans and their respective family members. 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
Has no local agents in Montana
Coverage restricted to members of the military community
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.
Accident forgiveness
Gap insurance
Roadside assistance
Rental car reimbursement
Rideshare coverage
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
Online and mobile app claims filing
Live chat customer support
Safe-driving telematics programs
Mobile app roadside assistance requests
Digital insurance cards
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.
Other optional coverages to consider include:
Check ratings and reviews
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:
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:
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
Excellent
4.7 out of 5 based on 14,778 reviews
Secure. Free. Easy-to-use.
Average cost of car insurance in Montana
The average cost of car insurance in Montana is $137 per month for full-coverage insurance and $61 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 $99 per month. Montana drivers pay $61 monthly for liability-only insurance and $137 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.
Sources
- J.D. Power. "2024 U.S. Auto Insurance Study."
- Montana Motor Vehicle Division. "Vehicle Insurance and Verification."
- Montana Public Radio. "4 reasons why your car insurance premium is soaring."
Related articles
)
Cheap SR-22 Insurance in Montana from $74
The average cost of SR-22 insurance for Montana drivers is $74 per month for liability and $166 for full coverage.
)
Car Insurance Requirements in Montana
Montana drivers must carry $25,000 in bodily injury liability per person and $50,000 per accident, as well as $20,000 in property damage liability.
)
Average Car Insurance Cost in Montana
Drivers in Montana pay an average of $99 per month for car insurance.
Cheapest Car Insurance Quotes in Montana
The most affordable car insurance in Montana comes from State Farm, with a liability policy costing just $32 per month. Check quotes from leading companies in Montana to see how much you could save.
)
How to Shop for Car Insurance: Step-by-Step Guide
To shop for car insurance, compare quotes from multiple insurers, choose the right coverage limits, check discounts, and review policy details before buying.
)
Compare Car Insurance Rates From $43/mo. (Updated June 2026)
Find the lowest car insurance rates from 120+ insurers and save up to $1,100* annually with Insurify’s insurance-comparison tool.
)
The 10 Largest Auto Insurance Companies in the U.S.
Top insurers State Farm, Progressive, GEICO, and Allstate account for more than half the total car insurance market.
)
6-Month vs. 12-Month Car Insurance Policies
The benefits of each auto insurance term differ. Compare the options presented here to find the best policy length for you.
)
Cheapest Auto Insurance in Helena, Montana
Helena drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $47 per month.
)
Cheapest Auto Insurance in Great Falls, Montana
Great Falls drivers can find the best car insurance with State Farm, USAA, and Safeco.
)
Cheapest Auto Insurance in Bozeman, Montana
Midvale Home & Auto offers the cheapest car insurance in Bozeman, with rates as low as $36 per month.
)
Cheapest Auto Insurance in Missoula, Montana
Missoula drivers can find the best car insurance with State Farm, USAA, and Safeco.
)
Cheapest Auto Insurance in Billings, Montana
Rates are higher in Billings than elsewhere in the state, but you can learn how to save here.
)
Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert