Cheap Auto Insurance Quotes in Butte, MT (January 2022)

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Last Updated: January 2022

Car Insurance in Butte, MT

The average cost of Montana car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Butte, MT to find you the cheapest quotes in the area.
State FarmProgressiveTravelersThe General

Cheapest Car Insurance in Butte, MT

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Butte, MT Driving Facts


Minimum Car Insurance Requirements in MT

Understanding Montana car insurance requirements is the first step to getting low-cost car insurance. Every state has at least slightly different rules and regulations when it comes to car insurance, so it’s important to know the difference between required, recommended, and optional coverage limits.

According to the Montana Department of Justice, Montana auto insurance requirements include:

  • $25,000 bodily injury liability per person 
  • $50,000 bodily injury liability in total per accident
  • $20,000 property damage liability

In addition to these minimum coverage levels, drivers must be offered underinsured/uninsured motorist protection in the minimums of $25,000/$50,000 bodily injury coverage. While not required to carry underinsured or uninsured motorist coverageMontana drivers must reject these riders in writing if they want to remove it from their policy.

Insurify Insights: How Butte Drivers Measure Up

Ford F-Series Pickup
Most Popular Car in
Butte, MT
suspended licenses
Cities with Most
Suspended Licenses Rank

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

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

Accidents in Butte

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Butte drivers rank 6 in the number of car accidents per driver across all cities in Montana.

  • Rank within state: #6
  • Percent of drivers in Butte with an accident: 9.45%
  • Drivers in Butte, MT with an accident in their driving history paid on average -88.02% more than drivers with a clean record

Speeding in Butte

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Montana, Butte drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Butte with a speeding ticket: 6.91%
  • Drivers in Butte, MT with a speeding ticket in their driving history paid on average -95.21% more than drivers with a clean record

DUI/DWIs in Butte

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Butte drivers rank 2 in the number of DUI’s per driver across all cities in Montana.

  • Rank within state: #2
  • Percent of drivers in Butte with a DUI: 5.09%
  • Drivers in Butte, MT with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Butte

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

Hybrid/Electric Vehicle Ownership in Butte

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Butte drivers rank 3 in hybrid and electric vehicle ownership across all cities in Montana.

  • Rank within state: #3
  • Percent of drivers in Butte with a hybrid/electric vehicle: 0.52%


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.

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