Best Cheap Auto Insurance in Montana (2024)
Montana drivers pay an overall average of $121 per month for car insurance.
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Written byTheresa Stevens
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AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Edited byAshley Cox
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5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Full-coverage car insurance costs an average of $162 per month in Montana, according to Insurify data. Liability-only coverage averages $79 per month. By comparison, the national averages are $204 and $104 per month, respectively.
Montana is the eighth-smallest U.S. state by population, with just over 1.1 million residents.[1] Given its small population, you might expect the state’s car insurance costs to be even lower. But Big Sky Country also has a fatal crash rate of 1.77 deaths per 100 million vehicle miles traveled – well above the national average of 1.37.[2]
The state's high fatality rate, severe winter weather, and challenging terrain all contribute to Montana's average car insurance cots. Here’s what you should know about finding the cheapest car insurance in Montana, so you can explore the natural wonders of the Treasure State with confidence.
Quick Facts
An incident on your motor vehicle record can push full-coverage car insurance to $209 per month in Montana.
Montana is an at-fault state, meaning the driver at fault for an accident is responsible for covering the damages of the other people involved.
Montana requires all drivers to carry liability insurance.
Best car insurance companies in Montana
Montana’s best car insurance companies offer competitive rates and various coverage options. The best auto insurance company for you will depend on your individual situation and needs. For example, if you drive a brand-new vehicle, you may want a company that offers new-car replacement insurance.
Insurify has broken down some of the best car insurance companies for Montana drivers.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Travelers | 9.0 | $197 | $90 | Full coverage |
| Safeco | 8.3 | $100 | $49 | Liability coverage |
| Nationwide | 8.7 | $186 | $85 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | 9.0 /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. | $89/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. | $191/mo |
4.7
Best choiceBased on 757 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
In business for more than 170 years and one of the largest insurance companies in the U.S., Travelers offers a wide variety of coverage options, making it easy to fulfill your insurance needs in one place. Highlights include accident forgiveness plans and gap insurance.
Travelers has a distribution network of about 13,500 independent agents and brokers throughout the U.S., Canada, the U.K., and Ireland.
Pros
AM Best financial strength rating of A++ (Superior)
Accident forgiveness available with Responsible Driver Plan or Premier Responsible Driver Plan
Cons
Rideshare coverage not available in Montana
Below-average customer satisfaction rating in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study
Best insurer for liability-only coverage: Safeco
| User Reviews | 4.5 |
|---|---|
| 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. | 8.3 /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. | $59/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. | $115/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
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 polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy we picked this company
Safeco is backed by the financial strength of its parent company, Liberty Mutual, the sixth-largest personal lines insurer in the country. The company offers many different coverage types, such as new-vehicle replacement and rental car reimbursement. It also offers safe driver perks, like accident forgiveness and cash back if you’re claims-free over a six-month review period.
Safeco policies are only sold through independent agents, which may be a hassle if you prefer purchasing insurance online or directly through an insurer.
Pros
Savings of up to 30% possible via RightTrack telematics program
Diminishing collision deductible
Cons
Can only purchase policies through an independent agent
Below-average J.D. Power customer satisfaction ranking in Northwest region
Best insurer for low-mileage drivers: Nationwide
| 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. | 8.7 /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. | $83/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. | $182/mo |
4.4
Best choiceBased on 782 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (441)
Richard
November 7, 2024
Verified Review
Excellent Company
Nationwide appears to be an excellent company. I have recommended this company to several of my friends. My daughter and her husband have also taken out policies and are very satisfied with this company. Thank you.
Irene
November 4, 2024
Verified Review
Sorry to be leaving you, Nationwide.
I used Nationwide for 32 years. I understand that insurance prices are going up, however, due to my limited income, I can no longer afford to stay with Nationwide.
Sara
November 1, 2024
Verified Review
Very Good!
The customer service is very good. They explain things well and make it easy to understand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.64A.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
Founded in 1926 as Farm Bureau Mutual Automobile Insurance Company, Nationwide is now one of the largest property and casualty insurance companies in the United States. Nationwide is particularly beneficial for people who don’t drive frequently. Nationwide’s SmartMiles is a pay-per-mile program that helps low-mileage drivers save money on auto insurance. Under the program, you receive a base rate and variable rate, which changes based on the number of miles you drive.
Pros
Accident forgiveness available
AM Best financial strength rating of A+ (Superior)
Cons
Below-average rank in J.D. Power's 2023 overall customer satisfaction index
Coverage options vary by state
How to get the cheapest car insurance in Montana
Finding cheap car insurance depends on various factors, such as your driving record, location, and coverage needs. Here are some ways you can lower your rates:[3]
Shop around. Rates and coverage options can vary widely between insurers, so obtaining quotes from at least three different companies is essential.
Raise your deductible. Raising your comprehensive or collision deductible may lower your monthly insurance costs. But increasing your deductible means higher out-of-pocket costs if you file a claim. Take an honest look at your financial situation before going this route. If you have a large cash cushion, raising your deductible may make sense.
Look for discounts. Many insurers offer multiple discounts that can lower your insurance rates, such as safe driver or good student discounts. Ask your insurance agent what discounts you may qualify for.
Boost your credit score. Paying all your bills on time can improve your credit score, which could potentially score you lower car insurance rates.
Practice safe driving habits. Maintaining a clean driving record and avoiding incidents can help keep your rates down.
Cheapest liability-only car insurance in Montana
Every state except New Hampshire and Virginia requires drivers to carry liability insurance. This coverage helps pay the costs of property damage and injuries sustained by the other driver if you’re found at fault in an accident. Keep in mind that liability coverage doesn’t apply to your own injuries or vehicle damage.
Though liability insurance is usually the most affordable option, many drivers purchase comprehensive and collision coverage for more robust financial protection. Liability insurance may make sense if you have an older vehicle or if affordable premiums are your top priority. But if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage.
On average, liability-only coverage costs $79 per month in Montana. The table below shows some of the best rates for liability-only car insurance in the state.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $59 |
| Root | $67 |
| Bristol West | $84 |
| The General | $98 |
| Foremost | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cheapest full-coverage car insurance in Montana
Full-coverage car insurance offers the most protection on the road. Full-coverage policies include liability protection and comprehensive and collision coverage. Full-coverage insurance helps cover your own expenses if you’re in an accident — not just those of the other party.
Full-coverage policies make sense if you lease or finance your vehicle, have a high-value vehicle, or live in an area prone to accidents and theft.
Montana drivers pay a monthly average of $162 for full coverage. Here are some of the cheapest options for full-coverage auto insurance in Montana.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $115 |
| Root | $124 |
| The General | $194 |
| Bristol West | $216 |
| Foremost | $294 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Montana
Recent Montana car insurance prices for Pontiac, Chevrolet , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Montana
All Montana drivers are required to carry liability insurance on their vehicles. Under Montana law, drivers must show proof of insurance if requested by a law enforcement officer. Driving without car insurance in Montana is a misdemeanor.
A first offense can result in a penalty between $250 and $500 or up to 10 days in jail.[4] Montana follows a traditional “fault-based” system, meaning the person at-fault in an accident is financially responsible for any injuries and damage.
Here are Montana’s minimum requirements for car insurance:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $20,000 |
If you want to be better protected on the roads, consider adding these optional coverages to your car insurance policy:
Uninsured/underinsured motorist coverage
Uninsured motorist coverage protects you if you’re hit by a driver who doesn’t have car insurance, while underinsured motorist coverage protects you if the driver lacks adequate coverage to pay for your injuries and vehicle damage. Montana requires insurance companies to offer uninsured/underinsured motorist coverage to all drivers, but you can decline it in writing if you don't want to buy this optional coverage.
Comprehensive coverage
This covers damages to your car caused by non-collision incidents, such as theft, vandalism, floods, and fires.
Collision coverage
Collision is part of a full-coverage car insurance policy. It can pay to repair or replace your vehicle if you collide with another car, or an object like a tree or light pole. It also covers pot hole damage and rollover accidents.
Gap insurance
This covers the gap between what you owe on your car loan and the actual value of your vehicle in case of a total loss.
Accident forgiveness
If you've been accident- and claims-free for at least three years, you might be eligible for accident forgiveness coverage. This optional coverage "forgives" your first at-fault accident so your car insurance premiums won't increase.
Medical payments coverage
Medical payments coverage, or MedPay, covers medical treatment or funeral expenses for you and your passengers after a car accident.
Cheapest car insurance for Montana drivers with an incident
Incidents can increase car insurance rates, as they indicate a higher risk for the insurer. The idea is that being involved in one incident increases the likelihood of experiencing another one in the future. Incidents on the road can include at-fault accidents, speeding tickets, DUIs, and other moving violations.
Generally, when you file an insurance claim for an incident that’s primarily your fault, an insurer will increase your premium by a certain percentage, according to the Insurance Information Institute.[5] The increase varies by insurance company and the surcharge typically stays on your premium for three to five years following a claim.
Shop for Car Insurance in Montana
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Cheapest car insurance for drivers with a speeding ticket
Though speeding tickets may not seem like a big deal at the time, they can affect your insurance rates. Most insurance companies will increase your rates for three to five years after a speeding ticket. This is because speeding tickets may indicate to your insurer that your driving habits increase the likelihood of accidents, prompting them to adjust your rates accordingly.
A speeding ticket on your driving record in Montana will push your monthly premium to $171 on average. Here are some car insurance options for drivers with speeding tickets in Montana.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Safeco | $152 | $78 |
| Root | $174 | $94 |
| The General | $258 | $130 |
| Bristol West | $284 | $110 |
| Foremost | $413 | $170 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
An at-fault car accident is when you’re found to be responsible for an incident on the road. If you’re found at fault in a car accident, your insurer will pay for the damage to the other driver’s car, up to your policy limits.
The average cost of liability coverage for a Montana driver with an at-fault accident is $120 per month. The average for full-coverage with an at-fault accident is $245. Here are a few companies that offer car insurance for Montana drivers with an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Safeco | $159 | $82 |
| Root | $184 | $100 |
| The General | $275 | $139 |
| Bristol West | $301 | $117 |
| Foremost | $436 | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Drivers with a DUI may have to get several quotes in order to find a cheap car insurance policy. People with a DUI on their driving record typically pay more for insurance, but the costs tend to decrease with time. A DUI can stay on your driving record for five years in Montana.
While drivers with a clean record pay a monthly average of just $162 for full coverage in Montana, those with a DUI can see rates averaging $278 or more.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Safeco | $180 | $92 |
| Root | $187 | $101 |
| The General | $326 | $165 |
| Bristol West | $363 | $141 |
| Foremost | $494 | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Car insurance prices decrease as drivers age and gain experience, but start increasing again around age 70. Finding cheap car insurance for seniors can take time. To find cheap insurance coverage, shop around and compare quotes from multiple insurers.
Though seniors are some of the most experienced drivers on the road, their age poses risks, such as diminished reflexes, or mobility or vision challenges that lead to a higher risk of accidents.
Montana senior drivers pay an average monthly rate of $95 for car insurance. Here are some of the cheapest car insurance companies for seniors in Montana to consider.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Safeco | $83 | $43 |
| Root | $86 | $46 |
| The General | $126 | $64 |
| Bristol West | $136 | $53 |
| Foremost | $188 | $77 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Because they’re new drivers, teens generally pay more for insurance than older drivers. Teens and young drivers have less experience on the road and higher accident rates, so insurers consider them risky and adjust rates accordingly. As teenagers gain more driving experience and maintain a clean driving record over time, their insurance rates typically go down around age 25.
Car insurance for teen drivers averages $281 per month for full coverage and $137 for liability-only insurance in Montana. Here are a few tips to help get cheap car insurance for teens:
Stay on your parents’ insurance. Being added as an additional driver to a family policy is often more affordable than having a separate policy. And if you're younger than 18, you won't be able to buy your own policy without the written consent of a parent or guardian.
Drive a safe vehicle. Opt for a car with good safety ratings and lower incidents of theft.
Get good grades. Many insurers provide discounts for students who maintain good grades, or for ones away at school a certain distance from home.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Quote: Full Coverage ▲▼ | Average Quote: Liability Only ▲▼ |
|---|---|---|
| Root | $187 | $101 |
| Safeco | $223 | $115 |
| The General | $311 | $157 |
| Bristol West | $367 | $143 |
| Foremost | $527 | $217 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Keep in Mind
Remember that while aiming for cheap car insurance is important, it’s equally essential to have adequate coverage to protect yourself and your assets in case of an accident. Balancing cost and coverage is the key to finding the best car insurance for your needs.
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Montana car insurance quotes by credit tier
Your credit history can affect how much you pay for insurance. Some states ban insurers from using credit scores to determine auto insurance rates.[6] But Montana allows insurers to consider credit history when determining insurance rates.[6]
Actuarial studies have shown that people with higher credit scores are less likely to file a claim. Therefore, people with excellent or good credit tend to receive lower rates, while people with bad credit may face higher premiums.
Here are the average monthly quotes for different credit tiers in Montana:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Montana car insurance FAQs
If you’re shopping for car insurance in the Treasure State, this additional information may help as you research your coverage options. You can also check out Insurify’s guide on how to shop for car insurance.
How much is car insurance in Montana?
Car insurance in Montana costs an average of $162 per month for full coverage and $79 per month for liability-only coverage, according to Insurify data.
What are the best car insurance companies in Montana?
With a Superior financial strength rating from AM Best, an Insurify Quality (IQ) Score of 4.2 out of 5, and low rates, Travelers is the best car insurance company in Montana. Other top insurers in the state include Nationwide and Safeco.
Is car insurance in Montana expensive?
Although Montana's average car insurance rates are lower than the national average, they're comparatively high for a state with a smaller population and less traffic congestion. This is likely due to Montana's high rate of fatal accidents, severe weather, and challenging terrain.
Is it illegal to not have car insurance in Montana?
Yes. It’s illegal to drive without car insurance in Montana. Driving without car insurance in Montana is a misdemeanor. If you’re caught driving without insurance, you could face a fine of up to $500 or up to 10 days in jail.
Insurify Insights
How Montana Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Montana below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Montana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Montana
#32
State with the Most Speeding Tickets Rank
#30
State with the Moving Violations Rank
#13
State with the Most DUIs Rank
#28
State with the most Suspended Licenses
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. Montana is the #34 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #34
- Percent of drivers in Montana with an accident: 7.9%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Montana is the #13 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #13
- Percent of drivers in Montana with a DUI: 1.9%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Montana is the #9 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #9
- Percent of drivers in Montana with a reckless driving offense: 1.9%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Montana is the #8 state in the country for drivers with a rude driving violation on record.
- Rank among states: #8
- Percent of drivers in Montana with a rude driving violation: 2.1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Montana is the #32 state in the country for drivers with a speeding ticket on record.
- Rank among states: #32
- Percent of drivers in Montana with a speeding ticket: 7.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Montana is the #6 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #6
- Percent of drivers in Montana with a failure to yield violation: 0.3%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Montana
Sources
- Britannica. "List of U.S. states by population."
- Insurance Institute for Highway Safety. "Fatality Facts 2021 State by state."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Montana Motor Vehicle Division. "Vehicle Insurance and Verification."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- National Association of Insurance Commissioners. "Credit-Based Insurance Scores."
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Theresa Stevens
Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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