What is the cheapest car insurance company in Montana?

On average, USAA, State Farm and Progressive offer some of the cheapest car insurance in Montana. However, no single insurer is the cheapest for every driver. Insurance companies set rates based on several factors, including your age (in most states), driving record and credit history (in most states). Montana insurers are also allowed to factor in gender and marital status when calculating insurance premiums. As such, experts recommend comparing quotes from several companies for the same types of coverage and policy limits.

What information is needed to get car insurance in Montana?

When you request a quote for car insurance, you’ll most likely need to provide your vehicle make and model, the vehicle identification number (VIN), your age, your gender, how many miles you drive every year and what you’re using the car for. For instance, you’ll probably have to specify if you’re commuting or driving for pleasure. You’ll also have to disclose whether you plan to use the vehicle for deliveries or rideshare jobs. The agent might also ask about your driving history and any claims you may have filed recently. Sometimes, you’ll be asked to provide your Social Security number so the company can run a credit check, as well.

How can I lower my car insurance rate?

It might help to call your insurance provider and ask about available discounts. The company might give premium discounts for completing state-approved defensive driving courses, bundling policies or being a loyal customer. Many companies now offer telematics programs, which track your driving habits, and give discounts for safe driving. If it’s been a while since you shopped for car insurance, you might want to request quotes from several other providers to see which offers you the most competitive rates. For longer-term savings, focus on avoiding tickets and accidents, maintaining a strong credit score and choosing vehicles with affordable parts and repairs.

How much is car insurance per month in Montana?

Montana drivers pay an average rate of $34 per month for minimum insurance coverage. They pay an average of $199 per month for full coverage, which typically includes comprehensive and collision insurance. Keep in mind that these rates may vary based on your personal characteristics and driving history.

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Best car insurance in Montana for 2025

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Updated May 01, 2025

According to Bankrate’s analysis, Geico, State Farm and USAA are among the top picks for Montana auto insurance.

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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 $407 for minimum coverage and $2,389 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.


Geico	Geico	4.3 Rating: 4.3 stars out of 5	4.3 Rating: 4.3 stars out of 5	$2,807	$2,807	$371	$371
Progressive	Progressive	4.4 Rating: 4.4 stars out of 5	4.4 Rating: 4.4 stars out of 5	$2,115	$2,115	$415	$415
State Farm	State Farm	4.3 Rating: 4.3 stars out of 5	4.3 Rating: 4.3 stars out of 5	$1,615	$1,615	$273	$273
USAA	USAA	4.3 Rating: 4.3 stars out of 5	4.3 Rating: 4.3 stars out of 5	$1,311	$1,311	$234	$234
Allstate	Allstate	3.9 Rating: 3.9 stars out of 5	3.9 Rating: 3.9 stars out of 5	$3,678	$3,678	$696	$696

Geico

Best for bundling

4.3

Read Geico review Get a quote

Avg. full coverage premium

$234/mo

Avg. full coverage premium

$2,807/yr

Customer satisfaction

637/1,000

Why Geico made our list: Geico insures tens of millions of vehicles and is the third-largest auto insurance provider in the U.S. It is also accessible to almost every driver in the nation, as it operates in all 50 states. Geico offers all of the standard coverage options, along with add-ons and a long list of discounts. You can also save with Geico’s multiple bundling options if you need insurance policies for your vehicles and home.

Learn more: Geico Insurance review
Pros
2025 Bankrate Award winner for Best Auto Insurance Company for High-Risk Drivers

Available in every state
Cons
Higher average rates than some of the other insurers on our list

Limited endorsements available to customize policy

Progressive

Best for digital tools

4.4

Read Progressive review Get a quote

Avg. full coverage premium

$176/mo

Avg. full coverage premium

$2,115/yr

Customer satisfaction

607/1,000

Why Progressive made our list: Progressive offers low average costs on Montana car insurance compared to most other insurance companies. It also carries a Superior financial strength rating from AM Best and offers a number of digital tools that make it an easy company to work with if you'd prefer to manage your car insurance policy online or via an app. This digital toolbox includes the company's Name Your Price tool, which adjusts to your options to give you a car insurance policy at a price that works for you.

Learn more: Progressive Insurance review
Pros
Offers an array of digital tools, including the Name Your Price function

Superior financial strength rating per AM Best
Cons
Some drivers might have increased premiums after using Progressive’s Snapshot

J.D. Power rating for customer satisfaction is below average

State Farm

Best for local agents

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$135/mo

Avg. full coverage premium

$1,615/yr

Customer satisfaction

656/1,000

Why State Farm made our list: State Farm's 18,000-plus agents in almost 40 Montana cities mean that you shouldn't have trouble finding a local agency to work with when you need to file a claim or make policy changes. Or, with the handy State Farm mobile app, you can access your policy information, contact your agent and request roadside assistance in seconds. The company's average rates are some of the lowest on our list, and the company also earned an above-average customer satisfaction score with J.D. Power. Plus, it won the 2025 Bankrate Award for Best Auto Insurance Company for Safe Drivers.

Learn more: State Farm Insurance review
Pros
High rating per J.D. Power’s Overall Customer Satisfaction Index

Network of in-person agents allows for in-person policy management
Cons
Accident forgiveness is not available for purchase

Does not offer gap insurance

USAA

Best for military-focused coverage

4.3

Read USAA review Get a quote

Avg. full coverage premium

$109/mo

Avg. full coverage premium

$1,311/yr

Customer satisfaction

743/1,000

Why USAA made our list: While USAA insurance products are only accessible to active-duty military, veterans and qualifying family members, the company is one-stop-shopping for insurance coverage for those who are eligible. USAA’s portfolio includes not just highly rated car insurance but also home and renters insurance, along with other financial and banking products. Its average rates tend to be lower than most competitors, and it also offers a handful of optional car insurance coverage types, such as roadside assistance, and military-specific discounts that can help further cut down the cost of car insurance. For all these reasons, USAA tied for the 2025 Bankrate Award for Best Auto Insurance Company Overall.

Learn more: USAA Insurance review
Pros
High customer satisfaction score with J.D. Power

Average rates are well below state average
Cons
Access is limited to those who qualify for membership

Limited policy customization options

Allstate

Best for coverage add-ons

3.9

Read Allstate review Get a quote

Avg. full coverage premium

$307/mo

Avg. full coverage premium

$3,678/yr

Customer satisfaction

626/1,000

Why Allstate made our list: Allstate offers local agents to meet the needs of consumers in each state. While it sells home, life and auto insurance, it is the fourth-largest car insurance provider in the nation, with 10.4 percent of the market share. Allstate offers basic liability coverage options, but where it shines is its long list of add-on coverage types for policy customization, in addition to a handful of discounts that may help lower your rate.

Learn more: Allstate Insurance review
Pros
Discount opportunities include a safe driving bonus and teen driver discount

Extensive agent network for those who prefer brick-and-mortar policy management
Cons
Average rates are higher than many competitors

Lower-than-average J.D. Power customer satisfaction rating

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.

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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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:

Like most states, Montana law mandates that drivers carry a minimum level of liability insurance to get behind the wheel. These laws are put into place to protect drivers who are not at fault for an accident. The at-fault parties’ liability insurance will help cover the medical bills and vehicle repair expenses the other driver incurs. Without a policy with at least the minimum coverage, if you cause an accident, you would need to cover all costs incurred out of pocket. It’s important to remember that minimum coverage won’t pay for your vehicle damage or other losses, though. For that, you’ll need full coverage.
Although minimum coverage levels are essential, in some cases, they may not be enough. Most insurance experts recommend that you consider purchasing more than the minimum amount of coverage for better financial protection. You may also want to look into full coverage car insurance, which typically includes collision and comprehensive insurance to cover your own vehicle. If you have a loan or lease for your car, your lender or financial institution will likely require you to carry a full coverage car insurance policy to protect their investment. Once you’ve paid off the loan or lease, you can drop full coverage or adjust the policy limits if you desire.
Every individual has unique needs to consider when purchasing car insurance. If you have a teen driver or senior driver in your family, for example, you may want to explore companies that offer discounts to these age groups. If you are retired or work from home, it may make sense to choose a car insurance company that offers low-mileage insurance. While no single insurer is right for every driver, a little research can help you find a company that is a good fit for your own situation.

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.
In October 2024, State Farm reviewed 18,000 claims as part of the settlement and paid back $5.2 million to policyholders. The company was also penalized $4 million (with the possibility of deducting millions if it complied with policy updates and staff training).

How much is car insurance in Montana?

The average cost of car insurance in Montana is $2,389 per year for full coverage. This is slightly less than the national average of $2,692. Minimum auto insurance in Montana is available for an average cost of $407 per year, which is roughly half the cost of the national average of $808 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 $386 per year for minimum coverage car insurance and $1,481 per year for full coverage car insurance. In Wyoming, the average cost of minimum coverage car insurance is $263 per year, while the average cost of full coverage is $1,759 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
Absarokee	$2,753	+14%
Custer	$2,695	+12%
Edgar	$2,700	+12%
Nye	$2,745	+14%
Roscoe	$2,750	+14%
Sanders	$2,712	+13%
Wilsall	$2,402	+1%
Wyola	$2,848	+18%
Billings	$2,442	+2%
Bainville	$2,645	+10%
Outlook	$2,627	+9%
Richey	$2,632	+10%
Saco	$2,745	+14%
Scobey	$2,664	+11%
Vida	$2,618	+9%
Bloomfield	$2,624	+9%
Cohagen	$2,725	+13%
Winifred	$2,696	+12%
Hingham	$2,778	+15%
Hogeland	$2,833	+17%
Malta	$2,780	+15%
Zurich	$2,781	+15%
Helena	$2,152	-10%
Marysville	$2,369	-1%
Wolf Creek	$2,250	-6%
Dell	$2,232	-7%
Glen	$2,215	-8%
West Yellowstone	$2,340	-2%
Bozeman	$2,317	-3%
Conner	$2,276	-5%
Darby	$2,251	-6%
Dixon	$2,382	-0%
Huntley	$2,646	+10%
Lavina	$2,722	+13%
Sand Coulee	$2,274	-5%
Ulm	$2,228	-7%
Boulder	$2,236	-7%
East Helena	$2,151	-11%
Fort Harrison	$2,137	-11%
Butte	$2,305	-4%
Divide	$2,275	-5%
Elliston	$2,223	-7%
Drummond	$2,229	-7%
Ismay	$2,675	+11%
Plevna	$2,665	+11%
Powderville	$2,647	+10%
Wibaux	$2,605	+9%
Dutton	$2,539	+6%
Lewistown	$2,670	+11%
Harlem	$2,831	+17%
Pryor	$2,799	+16%
Brockton	$2,663	+11%
Culbertson	$2,615	+9%
Alzada	$2,695	+12%
Norris	$2,231	-7%
Missoula	$2,066	-15%
Geraldine	$2,758	+14%
Neihart	$2,344	-2%
Inverness	$2,750	+14%
Lloyd	$2,786	+15%
Crow Agency	$2,797	+16%
Emigrant	$2,364	-1%
Belgrade	$2,313	-3%
Harrison	$2,242	-6%
Alberton	$2,266	-5%
Ashland	$2,721	+13%
Lodge Grass	$2,835	+17%
Reed Point	$2,750	+14%
Shepherd	$2,729	+13%
Silver Gate	$2,363	-1%
Worden	$2,731	+13%
Antelope	$2,618	+9%
Fairview	$2,615	+9%
Glasgow	$2,687	+12%
Peerless	$2,692	+12%
Redstone	$2,629	+10%
Reserve	$2,611	+9%
Richland	$2,674	+11%
Baker	$2,668	+11%
Nashua	$2,701	+12%
Raymond	$2,627	+9%
Colstrip	$2,714	+13%
Otter	$2,713	+13%
Saint Xavier	$2,780	+15%
Teigen	$2,675	+11%
Brockway	$2,606	+9%
Homestead	$2,611	+9%
Medicine Lake	$2,599	+8%
Savage	$2,596	+8%
Sand Springs	$2,743	+14%
Shawmut	$2,706	+12%
Flaxville	$2,643	+10%
Froid	$2,609	+9%
Lambert	$2,614	+9%
Plentywood	$2,590	+8%
Capitol	$2,764	+15%
Acton	$2,514	+5%
Broadview	$2,710	+13%
Decker	$2,757	+14%
Fromberg	$2,714	+13%
Martinsdale	$2,287	-4%
Sumatra	$2,733	+13%
Dagmar	$2,609	+9%
Saint Marie	$2,688	+12%
Sidney	$2,571	+7%
Brusett	$2,745	+14%
Birney	$2,742	+14%
Columbus	$2,739	+14%
Molt	$2,702	+12%
Winnett	$2,710	+13%
Melville	$2,726	+13%
Mosby	$2,728	+13%
Park City	$2,728	+13%
Rapelje	$2,742	+14%
Roundup	$2,683	+12%
Crane	$2,593	+8%
Fort Peck	$2,697	+12%
Larslan	$2,739	+14%
Opheim	$2,674	+11%
Poplar	$2,635	+10%
Westby	$2,613	+9%
Bearcreek	$2,720	+13%
Belfry	$2,729	+13%
Fishtail	$2,755	+14%
Joliet	$2,710	+13%
Lame Deer	$2,765	+15%
Vandalia	$2,663	+11%
Whitetail	$2,700	+12%
Cooke City	$2,396	+0%
Gardiner	$2,401	+0%
Grass Range	$2,690	+12%
Hardin	$2,759	+14%
Harlowton	$2,709	+13%
Melstone	$2,732	+13%
Bighorn	$2,716	+13%
Big Timber	$2,707	+12%
Bridger	$2,728	+13%
Fort Smith	$2,813	+16%
Musselshell	$2,715	+13%
Red Lodge	$2,750	+14%
Ryegate	$2,737	+14%
Springdale	$2,398	+0%
Wolf Point	$2,654	+10%
Angela	$2,740	+14%
Boyes	$2,668	+11%
Augusta	$2,276	-5%
East Glacier Park	$2,594	+8%
Kevin	$2,535	+6%
Moore	$2,720	+13%
Sweet Grass	$2,551	+7%
Box Elder	$2,788	+15%
Dodson	$2,805	+16%
Canyon Creek	$2,237	-7%
Clancy	$2,260	-6%
Cameron	$2,254	-6%
Dillon	$2,211	-8%
Mc Allister	$2,217	-7%
Three Forks	$2,338	-2%
Charlo	$2,393	+0%
Florence	$2,224	-7%
Roberts	$2,744	+14%
Frazer	$2,695	+12%
Two Dot	$2,699	+12%
Circle	$2,621	+9%
Glentana	$2,675	+11%
Hinsdale	$2,666	+11%
Miles City	$2,635	+10%
Biddle	$2,715	+13%
Broadus	$2,707	+12%
Ekalaka	$2,687	+12%
Hathaway	$2,705	+12%
Pompeys Pillar	$2,757	+14%
Pray	$2,372	-1%
Whitlash	$2,549	+6%
Deer Lodge	$2,210	-8%
Wisdom	$2,242	-6%
De Borgia	$2,342	-2%
Mildred	$2,661	+11%
Bynum	$2,525	+6%
Roy	$2,704	+12%
Shelby	$2,501	+5%
Hays	$2,842	+17%
Kremlin	$2,772	+15%
White Sulphur Springs	$2,242	-6%
Winston	$2,268	-5%
Big Sky	$2,358	-1%
Ennis	$2,235	-7%
Manhattan	$2,337	-2%
Sheridan	$2,297	-4%
Glendive	$2,589	+8%
Great Falls	$2,289	-4%
Belt	$2,314	-3%
Brady	$2,549	+6%
Geyser	$2,690	+12%
Hilger	$2,702	+12%
Ledger	$2,520	+5%
Lothair	$2,543	+6%
Sun River	$2,285	-4%
Heron	$2,506	+5%
Ravalli	$2,401	+0%
Trout Creek	$2,457	+3%
Big Arm	$2,437	+2%
Eureka	$2,451	+3%
Martin City	$2,557	+7%
Polebridge	$2,557	+7%
Lolo	$2,092	-13%
Bigfork	$2,588	+8%
Somers	$2,572	+7%
Trego	$2,452	+3%
Troy	$2,520	+5%
Laurel	$2,436	+2%
Mc Leod	$2,717	+13%
Forsyth	$2,699	+12%
Hammond	$2,709	+13%
Malmstrom A F B	$2,279	-5%
Choteau	$2,520	+5%
Conrad	$2,501	+5%
Floweree	$2,582	+8%
Forest Grove	$2,716	+13%
Pendroy	$2,520	+5%
Stanford	$2,707	+12%
Vaughn	$2,276	-5%
Haugan	$2,342	-2%
Lonepine	$2,394	+0%
Noxon	$2,507	+5%
Seeley Lake	$2,250	-6%
Kalispell	$2,548	+6%
Libby	$2,458	+3%
Saltese	$2,346	-2%
Kila	$2,436	+2%
Volborg	$2,646	+10%
Babb	$2,585	+8%
Coffee Creek	$2,721	+13%
Cut Bank	$2,567	+7%
Ethridge	$2,522	+5%
Fairfield	$2,514	+5%
Clyde Park	$2,404	+1%
Frenchtown	$2,092	-13%
Helmville	$2,258	-6%
Hot Springs	$2,405	+1%
Ronan	$2,386	-0%
Saint Ignatius	$2,387	-0%
Victor	$2,243	-6%
Hungry Horse	$2,536	+6%
Marion	$2,590	+8%
Rexford	$2,450	+2%
Stryker	$2,453	+3%
Whitefish	$2,556	+7%
Philipsburg	$2,249	-6%
Stevensville	$2,246	-6%
Superior	$2,293	-4%
Fortine	$2,439	+2%
Lake Mc Donald	$2,562	+7%
Rollins	$2,472	+3%
West Glacier	$2,535	+6%
Whitewater	$2,758	+14%
Jefferson City	$2,253	-6%
Twin Bridges	$2,251	-6%
Whitehall	$2,231	-7%
Fallon	$2,641	+10%
Terry	$2,678	+11%
Willard	$2,667	+11%
Oilmont	$2,542	+6%
Valier	$2,571	+7%
Greycliff	$2,745	+14%
Hysham	$2,720	+13%
Gallatin Gateway	$2,347	-2%
Gold Creek	$2,220	-7%
Virginia City	$2,230	-7%
Willow Creek	$2,333	-2%
Arlee	$2,365	-1%
Condon	$2,256	-6%
Hamilton	$2,251	-6%
Ovando	$2,290	-4%
Sula	$2,240	-6%
Columbia Falls	$2,554	+7%
Hall	$2,225	-7%
Plains	$2,393	+0%
Lakeside	$2,587	+8%
Olney	$2,560	+7%
Jordan	$2,729	+13%
Olive	$2,667	+11%
Browning	$2,602	+9%
Carter	$2,747	+14%
Denton	$2,694	+12%
Heart Butte	$2,626	+9%
Hobson	$2,702	+12%
Loma	$2,758	+14%
Havre	$2,749	+14%
Chinook	$2,782	+15%
Gildford	$2,777	+15%
Grantsdale	$2,220	-7%
Pinesdale	$2,251	-6%
Milltown	$2,064	-15%
Polson	$2,426	+2%
Proctor	$2,441	+2%
Paradise	$2,381	-0%
Saint Regis	$2,343	-2%
Dayton	$2,469	+3%
Rosebud	$2,705	+12%
Dupuyer	$2,552	+7%
Fort Benton	$2,746	+14%
Fort Shaw	$2,283	-5%
Judith Gap	$2,692	+12%
Raynesford	$2,698	+12%
Lincoln	$2,283	-5%
Garrison	$2,216	-8%
Jackson	$2,229	-7%
Pony	$2,221	-7%
Ramsay	$2,328	-3%
Silver Star	$2,271	-5%
Huson	$2,120	-12%
Coram	$2,533	+6%
Elmo	$2,462	+3%
Essex	$2,565	+7%
Kinsey	$2,683	+12%
Lindsay	$2,624	+9%
Buffalo	$2,729	+13%
Cascade	$2,273	-5%
Monarch	$2,284	-5%
Power	$2,546	+6%
Stockett	$2,313	-3%
Sunburst	$2,554	+7%
Big Sandy	$2,788	+15%
Loring	$2,755	+14%
Turner	$2,817	+16%
Basin	$2,260	-6%
Ringling	$2,287	-4%
Toston	$2,266	-5%
Townsend	$2,260	-6%
Zortman	$2,811	+16%
Alder	$2,277	-5%
Avon	$2,219	-7%
Cardwell	$2,242	-6%
Melrose	$2,275	-5%
Polaris	$2,219	-7%
Wise River	$2,216	-8%
Bonner	$2,095	-13%
Corvallis	$2,241	-6%
Ballantine	$2,731	+13%
Busby	$2,805	+16%
Livingston	$2,397	+0%
Rudyard	$2,762	+14%
Lima	$2,228	-7%
Thompson Falls	$2,440	+2%
Radersburg	$2,278	-5%
Anaconda	$2,269	-5%
Clinton	$2,102	-13%
Black Eagle	$2,291	-4%
Galata	$2,544	+6%
Highwood	$2,767	+15%
Moccasin	$2,681	+11%
Simms	$2,272	-5%
Chester	$2,534	+6%
Joplin	$2,525	+6%
Boyd	$2,734	+13%
Garryowen	$2,789	+15%
Ingomar	$2,730	+13%

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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Frequently asked questions

On average, USAA, State Farm and Progressive offer some of the cheapest car insurance in Montana. However, no single insurer is the cheapest for every driver. Insurance companies set rates based on several factors, including your age (in most states), driving record and credit history (in most states). Montana insurers are also allowed to factor in gender and marital status when calculating insurance premiums. As such, experts recommend comparing quotes from several companies for the same types of coverage and policy limits.
When you request a quote for car insurance, you’ll most likely need to provide your vehicle make and model, the vehicle identification number (VIN), your age, your gender, how many miles you drive every year and what you’re using the car for. For instance, you’ll probably have to specify if you’re commuting or driving for pleasure. You’ll also have to disclose whether you plan to use the vehicle for deliveries or rideshare jobs. The agent might also ask about your driving history and any claims you may have filed recently. Sometimes, you’ll be asked to provide your Social Security number so the company can run a credit check, as well.
It might help to call your insurance provider and ask about available discounts. The company might give premium discounts for completing state-approved defensive driving courses, bundling policies or being a loyal customer. Many companies now offer telematics programs, which track your driving habits, and give discounts for safe driving. If it’s been a while since you shopped for car insurance, you might want to request quotes from several other providers to see which offers you the most competitive rates. For longer-term savings, focus on avoiding tickets and accidents, maintaining a strong credit score and choosing vehicles with affordable parts and repairs.
Montana drivers pay an average rate of $34 per month for minimum insurance coverage. They pay an average of $199 per month for full coverage, which typically includes comprehensive and collision insurance. Keep in mind that these rates may vary based on your personal characteristics and driving history.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze May 2025 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 full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

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

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

Jessica Gibson

Contributor, Insurance

Best car insurance in Montana for 2025

Best car insurance companies in Montana

Geico

Best for bundling

Overview

Pros and cons

Who Geico may be good for

Progressive

Best for digital tools

Overview

Pros and cons

Who Progressive may be good for

State Farm

Best for local agents

Overview

Pros and cons

Who State Farm may be good for

USAA

Best for military-focused coverage

Overview

Pros and cons

Who USAA may be good for

Allstate

Best for coverage add-ons

Overview

Pros and cons

Who Allstate may be good for

Compare auto insurance rates

How to find the best car insurance in Montana

Consider minimum insurance requirements in Montana

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Consider your individual needs

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Estimate your car insurance cost in Montana

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Frequently asked questions

What is the cheapest car insurance company in Montana?

What information is needed to get car insurance in Montana?

How can I lower my car insurance rate?

How much is car insurance per month in Montana?

Methodology

Bankrate Score