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Best car insurance in Montana for 2024

Updated Nov 01, 2024
According to Bankrate’s analysis, Geico, State Farm and USAA are among the top picks for Montana auto insurance.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in Montana

As part of our research into the best car insurance companies in Montana, Bankrate issues each provider a proprietary Bankrate Score with a maximum score of 5.0, which we calculate by weighing several different factors for each company. These factors include average rate data from Quadrant Information Services, coverage options, discount opportunities and more. Based on this research, Montana's average rates are $391 for minimum coverage and $2,295 for full coverage.

We also look at sources that provide in-depth research into the insurance industry, including customer service ratings from J.D. Power’s 2024 U.S. Auto Insurance Study. Based on these factors and more, Geico, Progressive, State Farm, USAA and Allstate offer some of the best auto insurance in Montana.

4.4
Rating: 4.4 stars out of 5
$2,648
$354
4.4
Rating: 4.4 stars out of 5
$2,370
$413
4.3
Rating: 4.3 stars out of 5
$1,496
$261
4.2
Rating: 4.2 stars out of 5
$1,198
$216
3.9
Rating: 3.9 stars out of 5
$3,442
$667

Geico

Best for broad coverage and bundling options

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$221/mo

Avg. full coverage premium

$2,648/yr

Customer satisfaction

637/1,000

Progressive

Best for digital tools and experience

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$197/mo

Avg. full coverage premium

$2,370/yr

Customer satisfaction

607/1,000

State Farm

Best for in-person policy management

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$125/mo

Avg. full coverage premium

$1,496/yr

Customer satisfaction

656/1,000

USAA

Best for unique military discounts

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$100/mo

Avg. full coverage premium

$1,198/yr

Customer satisfaction

743/1,000

Allstate

Best for customizing your policy

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$287/mo

Avg. full coverage premium

$3,442/yr

Customer satisfaction

626/1,000

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How Bankrate chose the best car insurance companies in Montana

To find the best Montana car insurance, our insurance editorial team started by analyzing average rate data from Quadrant Information Systems. We looked at a range of other factors as well, including third-party ratings and the accessibility and efficiency of digital tools, to determine what companies provided the best experience and service for car insurance in MT. After compiling the data, we issued a Bankrate Score to each company to help Montana drivers make the best decisions for their own policies.

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Why you can trust Bankrate

Read our full methodology

To help Montana drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Montana

Below, we’ve included some useful tips for finding the best auto insurance in Montana. However, remember that the best insurance provider is different for every driver since everyone has different coverage needs and budgets. Keep these factors in mind when you’re shopping for the best car insurance in Montana:

New

Insurance updates in Montana
  • In 2022, several groups sued the state over alleged discrimination with regard to a 2021 law allowing insurance companies to use sex and marital status to determine insurance rates. The lawsuit has been filed and is currently moving through the courts.
  • In February 2024, the Montana Commissioner of Securities and Insurance (CSI) fined State Farm $2 million dollars over underpaid auto claims. State Farm agreed to pay the settlement, review existing claims and provide additional payouts as needed. The CSI commissioner, Troy Downing, hoped the legal action would send a message to insurance providers, requiring them to be transparent and fair about the insurance claim process.

Related content:

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Montana?

The average cost of car insurance in Montana is $2,295 per year for full coverage. This is slightly less than the national average of $2,458. Minimum auto insurance in Montana is available for an average cost of $391 per year, which is roughly half the cost of the national average of $678 per year. However, it’s important to note that your car insurance quote will depend on various factors, such as your driving record and personal information. For example, if you live in an area with a higher crime rate, you may end up paying slightly more than the average.

The state of Montana has average car insurance rates that are slightly higher than the average rates in neighboring states. Average rates in the neighboring state of Idaho, for example, are $352 per year for minimum coverage car insurance and $1,359 per year for full coverage car insurance. In Wyoming, the average cost of minimum coverage car insurance is $264 per year, while the average cost of full coverage is $1,668 per year.

There are a few reasons why Montana drivers might pay more than their neighboring states. Montana experiences its share of severe weather events like tornadoes, hail and windstorms, which can contribute to costly car insurance claims. Plus, the state has a higher fatal accident rate — 19 deaths per 100,000 residents — than Idaho but fewer deaths than Wyoming. Montana also falls in the middle of the pack when it comes to drunk driving incidents. Insurance carriers consider these statistics when calculating premiums.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Montana

Although car insurance is highly personalized, our estimator tool can give you an idea of what your car insurance rate might be. While it won’t generate exact insurance quotes from specific companies, you can use this ballpark figure to help identify competitive pricing when shopping around.

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Why we're asking
Methodology

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

These are sample rates and should only be used for comparative purposes. 



Written by
Jessica Gibson
Contributor, Insurance
Jessica Gibson is an insurance writer with almost a decade of digital publishing experience.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute