Cheapest car insurance in Montana 2021

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Driving in Montana is a perfect way to experience the scenic beauty and natural wonder of Big Sky Country. But doing so requires a minimum amount of auto insurance, in case of an accident or mishap along your way. Fortunately, with average rates of $301 per year for minimum coverage and $1,722 for full, finding cheap auto insurance in Montana is possible.

Montana is home to over 800,000 licensed drivers and 73,000 miles of open road, ready for exploration. No matter what roads you travel in the Treasure State, you can find carriers offering cheap car insurance in Montana to keep you adequately covered.

The cheapest car insurance in Montana

The cheapest car insurance rates in Montana are found with several national carriers.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $161 $982
State Farm $213 $1,119
Geico $312 $2,328
Progressive $317 $1,285
Farmers Ins $330 $1,700

USAA

USAA extends auto insurance to members of the military, veterans and their immediate family members. If you meet the eligibility requirements, you have access to the least expensive premiums. USAA not only offers full, comprehensive policies, but a wide range of discounts too, including higher discounts as your years in service increases.

State Farm

The largest insurer in the U.S., State Farm provides several discounts to lower your insurance costs including the popular Drive Safe and Save program. This discount, and others, are available through the app, website, an agent or over the phone.

For a little over $200 per year, you can obtain the state minimum insurance requirements. You can also add on policy enhancements such as rental car reimbursement, roadside assistance and rideshare insurance.

Geico

Since 1936, Geico has been providing federal employees and military personnel with affordable auto insurance through an agent network that still exists today. You can also find quotes and policy management tools with a highly-rated app and website for added convenience. These same coverages, discounts and tools are widely available but might be particularly useful to the Malmstrom Air Force Base and Fort William Henry Harrison communities.

Progressive

Progressive provides all the standard auto insurance coverages you need. But there are options available for roadside assistance, loan/lease payoff, car rental reimbursement — even custom equipment coverage, which is not always available with other carriers.

Along with the numerous coverage options to customize your policy, there are several discounts available to lower your premiums. You can bundle policies for savings, or you can try the Snapshot™ safe driver program for a greater discount.

Farmers Insurance

Farmers Insurance offers the standard coverages you would expect for auto, but you’ll also find multiple ways to customize your policy to suit driving in Montana. From roadside assistance and rideshare coverage, to gap insurance and extended equipment coverage. Farmers also boasts an A+ rating with the BBB for customer service and an A rating with AM Best for financial strength.

Affordable coverage for Montana drivers

Montana requires drivers to carry a minimum amount of liability insurance, including $25,000 of bodily injury per person, and $50,000 per accident. Additionally, $20,000 per accident is required for property damage liability.

While your goal may be to find the cheapest auto insurance in Montana, skimping on coverage to save money makes you vulnerable to further financial consequences. For instance, if you only carry the minimum $50,000 in bodily injury liability per accident and you are in a crash ruled your fault where multiple people are injured, you are financially responsible to pay the difference since you do not have higher liability limits in your policy.

How to get cheap car insurance in Montana

Saving money on car insurance in Montana may be easier than you think, and there are several techniques to stretch your dollars.

For starters, compare multiple carriers side by side. Another carrier may offer a lower quote, but it could be because a coverage option was removed.

While you are comparing, ask about any and all discounts. Each carrier, both national and local, feature different discounts so don’t assume the discounts are automatically included. There may be discounts for bundling and insuring multiple vehicles, or a discount for going paperless.

Raising your deductible is another instant way to improve the cost of your premiums. The higher your deductible, the lower your premiums. Be careful with this method though, make sure you have enough money in savings to cover a deductible without issue.

For the long-term, getting cheap insurance in Montana is made easier the better your credit score is. Improving your credit score through practices such as low credit utilization, making payments on time and monitoring your report for mistakes is a proven technique to raise your credit score.

Frequently asked questions

What is the best car insurance in Montana?

The best car insurance in Montana is based on personal preference, but there are several factors to consider to determine the best. The carrier with the best customer service ratings, strong financial backing and competitive rates is the best choice. Bankrate reviewed several carriers and found Pemco Insurance to be the best in Montana, based on these same factors.

What is the average cost of car insurance in the U.S.?

The average cost of car insurance in the U.S. is $563 per year for minimum coverage and $1,738 for full coverage options. With Montana’s average of $301 and $1,722 respectively, Montana has slightly lower premiums and ranks 17th overall for highest.

What happens if I am caught driving without car insurance in Montana?

Drivers who do not carry the minimum required auto subject can be charged with a misdemeanor, a $250 to $500 fine or up to 10 days in jail for the first offense.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.