Best Car Insurance in Montana (2026)
State Farm, USAA, and Farmers are three of the best car insurance companies for Montana drivers.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
)
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
Best car insurance companies in Montana
Insurify analyzed 120+ companies to determine the best car insurance companies in Montana. After reviewing prices, available discounts, customer service, review scores, customer reviews, and more, we found the top car insurance companies in Montana.
Below, you can learn more about top insurers in Montana, like State Farm, USAA, Root, and more.
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. | $69/mo |
4.2
Best choice in MontanaBased on 21,690 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 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 7 reviews from Montana driversSee all 8,304 State Farm reviews
Verified Review
Reviewed in Montana on September 2, 2026
Great experience overall—my policy, the customer service, the price, and the discounts. They make sure you get all the discounts you qualify for. All in all, great. I would definitely recommend State Farm and Leo's office.
Verified Review
Reviewed in Montana on August 23, 2026
They’ve been good. I just want to find out if I can get a better rate with the same or better coverage. I’ll also talk to them.
Verified Review
Reviewed in Montana on July 7, 2026
Saved a lot of money with the same coverage.
JD Power
JD 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 offers Montana drivers some of the cheapest rates. The insurer has a strong network of local agents in Montana, so it’s easy to find personalized help when you need it. You can find agents everywhere from Whitefish to Great Falls. Not only can an agent help you find the right coverage, but they can also help if you need to file a claim.
Pros
Highly rated mobile app
Above-average JD Power customer satisfaction rating in the Northwest region
A+ (Superior) financial strength rating from AM Best
Cons
Poor Trustpilot rating
No gap insurance
No accident forgiveness
USAA: Best for military members and veterans
| User Reviews | 4.9 |
|---|---|
| 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. | $35/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. | $74/mo |
4.9
Best choice in MontanaBased on 4,410 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 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 1,742 USAA reviews
Verified Review
Reviewed in Washington on November 10, 2026
Good if you stay with them, but it could be better.
Verified Review
Reviewed in Oklahoma on November 9, 2026
Join USAA. Awesome.
Verified Review
Reviewed in North Carolina on November 9, 2026
It was good, but I found a less expensive option.
JD Power
JD 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 is a great option for the approximately 80,000 veterans living in Montana. The company only works with military members, veterans, and people with a qualifying connection to the military. Eligible drivers find affordable rates through this insurance company. Plus, USAA offers plenty of discounts, including those for bundling coverage and storing your vehicle.
Pros
Above-average JD Power customer satisfaction rating in the Northwest region
A++ (Superior) rating from AM Best
Rideshare insurance available
Cons
Poor Trustpilot rating
Limited membership
No 24/7 customer phone support
Root: Best for good drivers
| User Reviews | 3.4 |
|---|---|
| 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. | 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. | $66/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. | $140/mo |
3.4
A solid option in MontanaBased on 1,622 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 3.3 | 3.6 |
| Discounts | 2.9 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.2 | 2.9 |
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 601 Root reviews
Verified Review
Reviewed in Florida on November 10, 2026
More coverage for less.
Verified Review
Reviewed in Wisconsin on November 6, 2026
It was good until the price started to go up by $20.00. I haven’t had an accident in 3 years with them. Overall, the price is getting too high.
Verified Purchase
Reviewed in Oregon on November 6, 2026
Don’t use Root if you have to file an SR-22—they take forever to send it to the DMV.
JD Power
JD 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
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 is a car insurance company that focuses on offering affordable coverage to good drivers. This insurer monitors your driving habits to determine your insurance premiums. With that, good drivers in Montana can find cheap rates through this company. But you’ll need to allow the company to track your driving behavior with its mobile app.
Pros
Average Trustpilot rating
Advertises savings of up to $1,300 per year
Can save for safe driving
Cons
Limited optional coverages
Not rated by AM Best or JD Power
Must allow the app to track your driving
GEICO: Best for discounts
| User Reviews | 4.1 |
|---|---|
| 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. | $62/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. | $137/mo |
4.1
Best choice in MontanaBased on 21,348 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 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 8,355 GEICO reviews
Verified Review
Reviewed in California on November 11, 2026
They are quick and fair when resolving claims.
Verified Review
Reviewed in Oregon on November 10, 2026
The prices are too high for me. There’s no way I should pay that much. I just don’t like paying that much.
Verified Purchase
Reviewed in Texas on November 10, 2026
Too high!
JD Power
JD 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 Montana drivers a wide range of discounts that can help you save on coverage, including good student and safe driver discounts. And you may also qualify for savings if you bundle other insurance types, like homeowners, ATV, or RV insurance with your GEICO car insurance policy.
Pros
Offers discounts for bundling ATV and RV insurance
Above-average JD Power customer satisfaction rating in the Northwest region
Highly rated mobile app
Cons
Not the cheapest insurer in Montana
Poor Trustpilot rating
Limited optional coverages compared to some competitors
Farmers: Best for rural drivers
| 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. | 8.5 /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. | $58/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. | $126/mo |
4.0
Best choice in MontanaBased on 3,858 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best in Montana for
Showing recent national reviewsSee all 1,124 Farmers reviews
Verified Review
Reviewed in Pennsylvania on September 28, 2026
Don’t talk over anyone. Don’t push anything. Discuss your offerings sincerely, not flatly or without feeling. Give the client the best deal—don’t keep trying to make the most money for yourself. Focus on the best savings for them. Then you’ll have a repeat client.
Verified Review
Reviewed in Minnesota on July 23, 2026
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Verified Review
Reviewed in Michigan on July 20, 2026
Be careful—once they get you in, they start hiking up your price.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
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
Montana is home to more than 23,000 farm operations.[1] For rural drivers in the state, Farmers offers car insurance that can help cover the risks of rural living, including Montana’s storms and more frequent wildlife crossings. Farmers offers coverage for other farm and recreational vehicles too, including RVs, snowmobiles, ATVs, dirt bikes, fifth wheels, and more.
Pros
Network of local agents in Montana
Bundling discounts available
Highly rated mobile app
Cons
Below-average JD Power customer satisfaction rating in the Northwest region
Not the cheapest insurer for Montana drivers
Poor Trustpilot rating
How we chose the best car insurance companies in Montana
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.
Average cost of car insurance in Montana
The average cost of car insurance in Montana is $101 per month. That’s lower than the national average of $143 per month.
Montana’s inland location protects it from damaging coastal storms and can help explain the lower rates. Additionally, the state has one of the lowest percentages of uninsured motorists in the country, according to Insurance Research Council data. Since uninsured drivers tend to make insurance more expensive for everyone else, their limited presence on Montana roads could have the opposite effect.
Montana also has an incredibly low population density of 7 residents per square mile.[2] Fewer drivers on the road reduces opportunities for car accidents and helps keep rates low.
Find Cheap Car Insurance in Montana
Liability quotes start at an average of $32/mo.
Excellent
4.7 out of 5 based on 18,362 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Montana
As you explore your coverage options in Montana, the strategies below can help you find the best policy for your needs:
Start with the minimum coverage requirements
Montana requires all drivers to carry a policy with at least 25/50/20 in liability insurance. You’ll need a policy that meets this state requirement to legally drive on public roads.[3]
Consider your coverage needs
If you cause an accident in this at-fault state, the minimum coverage limits may not offer enough financial protection. Although it can help you pay for repairs to the other driver’s vehicle, you’ll be on your own to repair your own vehicle. Many drivers choose a full-coverage policy with collision and comprehensive coverage for more protection.
Explore uninsured motorist coverage
Montana state law requires your car insurance company to offer you uninsured motorist coverage. If you don’t want this coverage, you’ll need to sign a form waiving this coverage option. With an estimated 7% of drivers on Montana roads uninsured, you may not want to skip this coverage.
Shop around for coverage
It’s important to compare quotes before committing to an auto insurance policy in Montana. Across different insurers, rates can vary significantly.
Best car insurance in Montana FAQs
If you have questions about getting Montana car insurance, the following answers may help.
How much is car insurance in Montana?
On average, Montana drivers pay $101 per month for car insurance. In Big Sky Country, drivers pay monthly averages of $62 for liability-only policies and $141 for full-coverage insurance.
What are the minimum car insurance requirements in Montana?
The state of Montana requires drivers to carry an auto policy with at least $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability coverage.
What are the best car insurance companies in Montana?
State Farm, USAA, Root, GEICO, and Farmers are some of the best car insurance companies for Montana drivers.
What factors affect car insurance costs in Montana?
A few of the factors that affect car insurance costs in Montana include your ZIP code, vehicle, coverage type, driving history, age, and more. For example, a person with a driving under the influence (DUI) conviction in their past will likely pay more for coverage than someone with a clean driving record.
You can shop around to find the cheapest coverage for your situation by comparing car insurance quotes. Also, don’t forget to seek out car insurance discounts, and consider increasing your deductible to save on car insurance premiums.
Sources
- National Agricultural Statistics Service. "2025 State Agriculture Overview: Montana."
- United States Census Bureau. "QuickFacts Montana."
- Office of the Montana State Auditor. "Auto Insurance."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Related articles
)
Cheap SR-22 Insurance in Montana from $75
The average cost of SR-22 insurance for Montana drivers is $75 per month for liability and $171 for full coverage.
)
Montana Car Insurance Requirements in 2026
Montana requires drivers to carry an auto insurance policy with at least 25/50/20 in liability insurance to legally drive on public roads.
How Much Is Car Insurance in Montana?
Drivers in Montana pay an average of $1,216 per year 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.
)
Compare Car Insurance Rates From $47/mo. (Updated November 2026)
Find the lowest car insurance rates from 120+ insurers and save up to $1,100* annually with Insurify’s insurance-comparison tool.
)
How Long Does It Take to Get Car Insurance?
You can have a new car insurance policy within minutes of receiving a quote.
)
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.
)
Compare car insurance quotes in real-time
November 2026 - Compare car insurance quotes from 120+ companies, including GEICO, Allstate, Progressive, and save up to 50% or more in 2 minutes.
)
Cheapest Auto Insurance in Billings, Montana
Rates are higher in Billings than elsewhere in the state, but you can learn how to save here.
)
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 Great Falls, Montana
Great Falls drivers can find the best car insurance with State Farm, USAA, and Safeco.
)
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 Missoula, Montana
Missoula drivers can find the best car insurance with State Farm, USAA, and Safeco.
Writer: Sarah SharkeyInsurance Writer
Writer: Sarah SharkeyInsurance Writer
Qualifications:
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Qualifications:
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.