The cheapest car insurance in Montana costs $116 per month for a full coverage policy from Nationwide. That’s a $67 savings from the average cost of insurance in the state, which is $183 a month.
“Drivers looking to get the cheapest insurance premiums in Montana should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Montana including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Nationwide has the cheapest car insurance rates in Montana for full coverage at $116 a month among the companies analyzed by the team of CarInsurance.com.
- In Montana, drivers with clean driving records pay 37% less than drivers with a DUI.
- The city of Missoula has the lowest auto insurance rates in Montana, with an average premium of $1,908 per year.
- You can save up to 37% per year on your car insurance policy in Montana by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in Montana?
Nationwide offers the cheapest car insurance rates in Montana for a full coverage policy with an average premium of $116 per month or around $1,394 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Montana. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Montana per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $116 |
| State Farm | $155 |
| Geico | $199 |
| Progressive | $201 |
| Kemper Insurance | $224 |
| Farmers | $245 |
| Allstate | $246 |
| USAA* | $77 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in Montana?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Montana drivers with clean records pay 37% less than drivers who have a DUI on their records.
- Montana drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Montana.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 21% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest Montana companies for different coverage levels
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Nationwide is the cheapest for a state minimum policy.
- Nationwide has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Montana.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Montana
Montana requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Montana, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Nationwide | $201 |
| State Farm | $244 |
| Geico | $249 |
| Progressive | $359 |
| Kemper Insurance | $477 |
| Farmers | $519 |
| Allstate | $611 |
| USAA* | $144 |
Note: USAA is only available to military community members and their families.
Cheapest Montana insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Montana’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Nationwide | $351 |
| State Farm | $390 |
| Geico | $402 |
| Progressive | $506 |
| Kemper Insurance | $585 |
| Allstate | $731 |
| Farmers | $1,169 |
| USAA* | $181 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in Montana for full coverage
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Montana based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,394 |
| State Farm | $1,858 |
| Geico | $2,382 |
| Progressive | $2,414 |
| Kemper Insurance | $2,692 |
| Farmers | $2,939 |
| Allstate | $2,949 |
| USAA* | $919 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Montana, by driving history
Your driving history affects how much you pay for insurance in Montana because insurance companies use it to assess the risk associated with insuring a driver.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Montana, drivers with a history of such violations typically pay $624 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Montana
If you have a speeding ticket on your Montana driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,416 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,416 | 6% | $82 |
| Progressive | $1,221 | $1,650 | 35% | $430 |
| Nationwide | $1,413 | $1,958 | 39% | $545 |
| Geico | $1,944 | $2,152 | 11% | $208 |
| Farmers | $2,278 | $2,718 | 19% | $439 |
| Allstate | $2,460 | $2,759 | 12% | $299 |
| Kemper Insurance | $2,577 | $3,103 | 20% | $526 |
| USAA* | $899 | $1,082 | 20% | $184 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Montana after a DUI conviction
CarInsurance.com analyzed insurance rates for Montana drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,416 . Progressive is the second-cheapest insurer at an average of $1,515 per year.
Drivers with clean driving records can expect to pay an average of 37% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,416 | 6% | $82 |
| Progressive | $1,221 | $1,515 | 24% | $294 |
| Kemper Insurance | $2,577 | $2,702 | 5% | $126 |
| Farmers | $2,278 | $3,064 | 35% | $786 |
| Nationwide | $1,413 | $3,113 | 120% | $1,700 |
| Allstate | $2,460 | $3,373 | 37% | $913 |
| Geico | $1,944 | $5,355 | 176% | $3,412 |
| USAA* | $899 | $1,747 | 94% | $848 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Montana
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,497 .
Progressive is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,914 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,497 | 12% | $163 |
| Progressive | $1,221 | $1,914 | 57% | $693 |
| Nationwide | $1,413 | $2,444 | 73% | $1,030 |
| Geico | $1,944 | $2,868 | 48% | $925 |
| Farmers | $2,278 | $3,188 | 40% | $910 |
| Allstate | $2,460 | $3,454 | 40% | $994 |
| Kemper Insurance | $2,577 | $3,776 | 47% | $1,200 |
| USAA* | $899 | $1,209 | 35% | $310 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Montana
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Missoula is the city with the lowest premiums in Montana at an annual auto insurance rate of $1,908 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
The table below shows a list of cities in Montana with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Missoula | $1,908 |
| Helena Valley West Central | $1,912 |
| Orchard Homes | $1,916 |
| Milltown | $1,916 |
| Fort Harrison | $1,920 |
| Helena Valley Southeast | $1,932 |
| Helena | $1,942 |
| Lolo | $1,944 |
| Clinton | $1,966 |
| Wise River | $1,976 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Montana
Shopping around for car insurance quotes in Montana can help drivers save 37% annually on full coverage policies.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Montana: Save on premiums
In Montana, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Montana below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Anti-theft device | 5% | $86 |
| Daily commute | 4% | $96 |
| Days advanced purchase | 8% | $208 |
| Days per week driven | 4% | $96 |
| Education | 8% | $152 |
| Electronic funds transfer | 3% | $73 |
| Electronic signature | 10% | $105 |
| Homeowner | 8% | $177 |
| Lower annual mileage | 5% | $79 |
| Loyalty – years renewal with company | 6% | $96 |
| Multi policy | 9% | $189 |
| Paperless/electornic documents | 5% | $134 |
| Payment type | 5% | $144 |
| Primary use | 9% | $172 |
| Profession | 14% | $195 |
| Safety devices | 3% | $87 |
| Telematics | 11% | $147 |
| Years insured | 20% | $713 |
| Years licensed | 24% | $972 |
The bottom line on cheap auto insurance in Montana
Based on our findings, Nationwide provides the cheapest rates for a full coverage policy in Montana if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Montana, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Montana for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.