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Best car insurance in Montana for 2024
Powered by Coverage.com (NPN: 19966249)
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
|
$2,648
|
$354
|
|
4.4
|
$2,370
|
$413
|
|
4.3
|
$1,496
|
$261
|
|
4.2
|
$1,198
|
$216
|
|
3.9
|
$3,442
|
$667
|
Geico
Best for broad coverage and bundling options
4.4
4.4
Avg. full coverage premium
$221/mo
Avg. full coverage premium
$2,648/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
Progressive
Best for digital tools and experience
4.4
4.4
Avg. full coverage premium
$197/mo
Avg. full coverage premium
$2,370/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
State Farm
Best for in-person policy management
4.3
4.3
Avg. full coverage premium
$125/mo
Avg. full coverage premium
$1,496/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.
Learn more: State Farm Insurance review
USAA
Best for unique military discounts
4.2
4.2
Avg. full coverage premium
$100/mo
Avg. full coverage premium
$1,198/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.
Learn more: USAA Insurance review
Allstate
Best for customizing your policy
3.9
3.9
Avg. full coverage premium
$287/mo
Avg. full coverage premium
$3,442/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
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 methodologyTo 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
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
- 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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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.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Absarokee | $2,607 | +13% |
Custer | $2,557 | +11% |
Edgar | $2,550 | +11% |
Nye | $2,599 | +12% |
Roscoe | $2,607 | +13% |
Sanders | $2,568 | +11% |
Wilsall | $2,284 | -0% |
Wyola | $2,709 | +17% |
Billings | $2,323 | +1% |
Bainville | $2,497 | +8% |
Outlook | $2,477 | +8% |
Richey | $2,485 | +8% |
Saco | $2,588 | +12% |
Scobey | $2,509 | +9% |
Vida | $2,477 | +8% |
Bloomfield | $2,483 | +8% |
Cohagen | $2,586 | +12% |
Winifred | $2,545 | +10% |
Hingham | $2,619 | +13% |
Hogeland | $2,676 | +15% |
Malta | $2,625 | +13% |
Zurich | $2,621 | +13% |
Helena | $2,038 | -12% |
Marysville | $2,158 | -6% |
Wolf Creek | $2,138 | -7% |
Dell | $2,120 | -8% |
Glen | $2,099 | -9% |
West Yellowstone | $2,216 | -3% |
Bozeman | $2,198 | -4% |
Conner | $2,158 | -6% |
Darby | $2,138 | -7% |
Dixon | $2,258 | -2% |
Huntley | $2,508 | +9% |
Lavina | $2,576 | +12% |
Sand Coulee | $2,159 | -6% |
Ulm | $2,118 | -8% |
Boulder | $2,129 | -7% |
East Helena | $2,042 | -12% |
Fort Harrison | $2,039 | -12% |
Butte | $2,191 | -5% |
Divide | $2,158 | -6% |
Elliston | $2,112 | -8% |
Drummond | $2,114 | -8% |
Ismay | $2,539 | +10% |
Plevna | $2,525 | +10% |
Powderville | $2,500 | +9% |
Wibaux | $2,462 | +7% |
Dutton | $2,397 | +4% |
Lewistown | $2,524 | +10% |
Harlem | $2,673 | +15% |
Pryor | $2,655 | +15% |
Brockton | $2,514 | +9% |
Culbertson | $2,473 | +7% |
Alzada | $2,562 | +11% |
Norris | $2,112 | -8% |
Missoula | $1,970 | -15% |
Geraldine | $2,599 | +12% |
Neihart | $2,235 | -3% |
Inverness | $2,590 | +12% |
Lloyd | $2,629 | +14% |
Crow Agency | $2,653 | +14% |
Emigrant | $2,255 | -2% |
Belgrade | $2,196 | -4% |
Harrison | $2,126 | -8% |
Alberton | $2,149 | -7% |
Ashland | $2,578 | +12% |
Lodge Grass | $2,688 | +16% |
Reed Point | $2,606 | +13% |
Shepherd | $2,578 | +12% |
Silver Gate | $2,251 | -2% |
Worden | $2,587 | +12% |
Antelope | $2,475 | +8% |
Fairview | $2,467 | +7% |
Glasgow | $2,536 | +10% |
Peerless | $2,540 | +10% |
Redstone | $2,479 | +8% |
Reserve | $2,465 | +7% |
Richland | $2,521 | +9% |
Baker | $2,528 | +10% |
Nashua | $2,551 | +11% |
Raymond | $2,477 | +8% |
Colstrip | $2,571 | +11% |
Otter | $2,581 | +12% |
Saint Xavier | $2,631 | +14% |
Teigen | $2,531 | +10% |
Brockway | $2,465 | +7% |
Homestead | $2,465 | +7% |
Medicine Lake | $2,455 | +7% |
Savage | $2,454 | +7% |
Sand Springs | $2,595 | +12% |
Shawmut | $2,557 | +11% |
Flaxville | $2,497 | +8% |
Froid | $2,465 | +7% |
Lambert | $2,466 | +7% |
Plentywood | $2,447 | +6% |
Capitol | $2,633 | +14% |
Acton | $2,380 | +4% |
Broadview | $2,562 | +11% |
Decker | $2,620 | +13% |
Fromberg | $2,564 | +11% |
Martinsdale | $2,183 | -5% |
Sumatra | $2,591 | +12% |
Dagmar | $2,464 | +7% |
Saint Marie | $2,537 | +10% |
Sidney | $2,429 | +6% |
Brusett | $2,598 | +12% |
Birney | $2,604 | +13% |
Columbus | $2,593 | +12% |
Molt | $2,555 | +11% |
Winnett | $2,566 | +11% |
Melville | $2,576 | +12% |
Mosby | $2,580 | +12% |
Park City | $2,579 | +12% |
Rapelje | $2,604 | +13% |
Roundup | $2,541 | +10% |
Crane | $2,448 | +6% |
Fort Peck | $2,547 | +10% |
Larslan | $2,593 | +12% |
Opheim | $2,521 | +9% |
Poplar | $2,484 | +8% |
Westby | $2,464 | +7% |
Bearcreek | $2,578 | +12% |
Belfry | $2,588 | +12% |
Fishtail | $2,608 | +13% |
Joliet | $2,559 | +11% |
Lame Deer | $2,627 | +13% |
Vandalia | $2,510 | +9% |
Whitetail | $2,548 | +10% |
Cooke City | $2,286 | -0% |
Gardiner | $2,280 | -1% |
Grass Range | $2,547 | +10% |
Hardin | $2,616 | +13% |
Harlowton | $2,558 | +11% |
Melstone | $2,584 | +12% |
Bighorn | $2,574 | +11% |
Big Timber | $2,565 | +11% |
Bridger | $2,584 | +12% |
Fort Smith | $2,669 | +15% |
Musselshell | $2,565 | +11% |
Red Lodge | $2,605 | +13% |
Ryegate | $2,585 | +12% |
Springdale | $2,284 | -0% |
Wolf Point | $2,505 | +9% |
Angela | $2,601 | +13% |
Boyes | $2,532 | +10% |
Augusta | $2,164 | -6% |
East Glacier Park | $2,449 | +7% |
Kevin | $2,391 | +4% |
Moore | $2,571 | +11% |
Sweet Grass | $2,407 | +5% |
Box Elder | $2,627 | +13% |
Dodson | $2,650 | +14% |
Canyon Creek | $2,127 | -8% |
Clancy | $2,147 | -7% |
Cameron | $2,143 | -7% |
Dillon | $2,093 | -9% |
Mc Allister | $2,105 | -9% |
Three Forks | $2,221 | -3% |
Charlo | $2,270 | -1% |
Florence | $2,116 | -8% |
Roberts | $2,602 | +13% |
Frazer | $2,543 | +10% |
Two Dot | $2,549 | +10% |
Circle | $2,476 | +8% |
Glentana | $2,522 | +9% |
Hinsdale | $2,513 | +9% |
Miles City | $2,488 | +8% |
Biddle | $2,575 | +12% |
Broadus | $2,558 | +11% |
Ekalaka | $2,549 | +10% |
Hathaway | $2,563 | +11% |
Pompeys Pillar | $2,615 | +13% |
Pray | $2,255 | -2% |
Whitlash | $2,407 | +5% |
Deer Lodge | $2,097 | -9% |
Wisdom | $2,130 | -7% |
De Borgia | $2,226 | -3% |
Mildred | $2,525 | +10% |
Bynum | $2,381 | +4% |
Roy | $2,554 | +11% |
Shelby | $2,355 | +3% |
Hays | $2,685 | +16% |
Kremlin | $2,612 | +13% |
White Sulphur Springs | $2,131 | -7% |
Winston | $2,158 | -6% |
Big Sky | $2,237 | -3% |
Ennis | $2,121 | -8% |
Manhattan | $2,211 | -4% |
Sheridan | $2,187 | -5% |
Glendive | $2,442 | +6% |
Great Falls | $2,177 | -5% |
Belt | $2,196 | -4% |
Brady | $2,407 | +5% |
Geyser | $2,539 | +10% |
Hilger | $2,552 | +11% |
Ledger | $2,383 | +4% |
Lothair | $2,408 | +5% |
Sun River | $2,168 | -6% |
Heron | $2,379 | +4% |
Ravalli | $2,277 | -1% |
Trout Creek | $2,333 | +2% |
Big Arm | $2,310 | +1% |
Eureka | $2,329 | +1% |
Martin City | $2,421 | +5% |
Polebridge | $2,420 | +5% |
Lolo | $1,990 | -14% |
Bigfork | $2,448 | +6% |
Somers | $2,433 | +6% |
Trego | $2,332 | +2% |
Troy | $2,397 | +4% |
Laurel | $2,318 | +1% |
Mc Leod | $2,565 | +11% |
Forsyth | $2,555 | +11% |
Hammond | $2,575 | +12% |
Malmstrom A F B | $2,164 | -6% |
Choteau | $2,375 | +3% |
Conrad | $2,365 | +3% |
Floweree | $2,448 | +6% |
Forest Grove | $2,567 | +11% |
Pendroy | $2,377 | +4% |
Stanford | $2,557 | +11% |
Vaughn | $2,162 | -6% |
Haugan | $2,226 | -3% |
Lonepine | $2,268 | -1% |
Noxon | $2,381 | +4% |
Seeley Lake | $2,145 | -7% |
Kalispell | $2,406 | +5% |
Libby | $2,332 | +2% |
Saltese | $2,231 | -3% |
Kila | $2,306 | +0% |
Volborg | $2,507 | +9% |
Babb | $2,443 | +6% |
Coffee Creek | $2,572 | +11% |
Cut Bank | $2,419 | +5% |
Ethridge | $2,374 | +3% |
Fairfield | $2,377 | +4% |
Clyde Park | $2,286 | -0% |
Frenchtown | $1,994 | -14% |
Helmville | $2,150 | -7% |
Hot Springs | $2,279 | -1% |
Ronan | $2,261 | -1% |
Saint Ignatius | $2,263 | -1% |
Victor | $2,127 | -8% |
Hungry Horse | $2,399 | +4% |
Marion | $2,454 | +7% |
Rexford | $2,324 | +1% |
Stryker | $2,332 | +2% |
Whitefish | $2,417 | +5% |
Philipsburg | $2,136 | -7% |
Stevensville | $2,131 | -7% |
Superior | $2,175 | -5% |
Fortine | $2,318 | +1% |
Lake Mc Donald | $2,424 | +5% |
Rollins | $2,340 | +2% |
West Glacier | $2,400 | +4% |
Whitewater | $2,599 | +12% |
Jefferson City | $2,142 | -7% |
Twin Bridges | $2,137 | -7% |
Whitehall | $2,115 | -8% |
Fallon | $2,502 | +9% |
Terry | $2,541 | +10% |
Willard | $2,531 | +10% |
Oilmont | $2,396 | +4% |
Valier | $2,426 | +6% |
Greycliff | $2,600 | +12% |
Hysham | $2,578 | +12% |
Gallatin Gateway | $2,224 | -3% |
Gold Creek | $2,108 | -8% |
Virginia City | $2,117 | -8% |
Willow Creek | $2,215 | -4% |
Arlee | $2,238 | -3% |
Condon | $2,148 | -7% |
Hamilton | $2,133 | -7% |
Ovando | $2,175 | -5% |
Sula | $2,127 | -8% |
Columbia Falls | $2,417 | +5% |
Hall | $2,114 | -8% |
Plains | $2,268 | -1% |
Lakeside | $2,445 | +6% |
Olney | $2,421 | +5% |
Jordan | $2,589 | +12% |
Olive | $2,530 | +10% |
Browning | $2,456 | +7% |
Carter | $2,588 | +12% |
Denton | $2,542 | +10% |
Heart Butte | $2,484 | +8% |
Hobson | $2,554 | +11% |
Loma | $2,599 | +12% |
Havre | $2,587 | +12% |
Chinook | $2,622 | +13% |
Gildford | $2,617 | +13% |
Grantsdale | $2,110 | -8% |
Pinesdale | $2,138 | -7% |
Milltown | $1,968 | -15% |
Polson | $2,300 | +0% |
Proctor | $2,312 | +1% |
Paradise | $2,255 | -2% |
Saint Regis | $2,224 | -3% |
Dayton | $2,340 | +2% |
Rosebud | $2,564 | +11% |
Dupuyer | $2,408 | +5% |
Fort Benton | $2,588 | +12% |
Fort Shaw | $2,165 | -6% |
Judith Gap | $2,550 | +11% |
Raynesford | $2,544 | +10% |
Lincoln | $2,174 | -5% |
Garrison | $2,105 | -9% |
Jackson | $2,118 | -8% |
Pony | $2,107 | -9% |
Ramsay | $2,204 | -4% |
Silver Star | $2,155 | -6% |
Huson | $2,022 | -13% |
Coram | $2,388 | +4% |
Elmo | $2,336 | +2% |
Essex | $2,424 | +5% |
Kinsey | $2,540 | +10% |
Lindsay | $2,485 | +8% |
Buffalo | $2,579 | +12% |
Cascade | $2,156 | -6% |
Monarch | $2,172 | -6% |
Power | $2,398 | +4% |
Stockett | $2,195 | -4% |
Sunburst | $2,410 | +5% |
Big Sandy | $2,626 | +13% |
Loring | $2,596 | +12% |
Turner | $2,662 | +15% |
Basin | $2,154 | -6% |
Ringling | $2,181 | -5% |
Toston | $2,156 | -6% |
Townsend | $2,147 | -7% |
Zortman | $2,658 | +15% |
Alder | $2,170 | -6% |
Avon | $2,107 | -9% |
Cardwell | $2,131 | -7% |
Melrose | $2,160 | -6% |
Polaris | $2,103 | -9% |
Wise River | $2,104 | -9% |
Bonner | $2,004 | -14% |
Corvallis | $2,127 | -8% |
Ballantine | $2,585 | +12% |
Busby | $2,660 | +15% |
Livingston | $2,280 | -1% |
Rudyard | $2,602 | +13% |
Lima | $2,116 | -8% |
Thompson Falls | $2,318 | +1% |
Radersburg | $2,155 | -6% |
Anaconda | $2,157 | -6% |
Clinton | $2,002 | -14% |
Black Eagle | $2,177 | -5% |
Galata | $2,401 | +5% |
Highwood | $2,606 | +13% |
Moccasin | $2,530 | +10% |
Simms | $2,156 | -6% |
Chester | $2,392 | +4% |
Joplin | $2,389 | +4% |
Boyd | $2,595 | +12% |
Garryowen | $2,643 | +14% |
Ingomar | $2,589 | +12% |
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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.
Frequently asked questions
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:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.