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Best car insurance in Montana for 2024

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

Updated Feb 12, 2024
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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 $380 for minimum coverage and $2,228 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 2023 U.S. Auto Insurance Study. Based on these factors and more, some of the best auto insurance in Montana is being offered by Geico, USAA, State Farm, Progressive and Allstate.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,560
$357
4.4
Rating: 4.4 stars out of 5
$2,013
$373
4.3
Rating: 4.3 stars out of 5
$1,375
$245
4.2
Rating: 4.2 stars out of 5
$1,280
$211
3.9
Rating: 3.9 stars out of 5
$3,094
$424

Geico

Best for broad coverage and bundling options

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$213/mo

Avg. full coverage premium

$2,560/yr

Customer satisfaction

797/1,000

Progressive

Best for digital tools and experience

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$168/mo

Avg. full coverage premium

$2,013/yr

Customer satisfaction

807/1,000

State Farm

Best for in-person policy management

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$115/mo

Avg. full coverage premium

$1,375/yr

Customer satisfaction

821/1,000

USAA

Best for unique military discounts

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$107/mo

Avg. full coverage premium

$1,280/yr

Customer satisfaction

875/1,000

Allstate

Best for customizing your policy

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$258/mo

Avg. full coverage premium

$3,094/yr

Customer satisfaction

783/1,000

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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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

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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.
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Insurance Disclosure

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

What’s new in Montana?
  • In 2021, Montana passed a law allowing insurance companies to use sex and marital status to determine insurance rates. This legislation reversed a law that had been in place for 40 years, which prevented insurers from using this information.
  • In 2022, several groups sued the state over alleged discrimination with regard to the new law. The lawsuit has been filed and is currently moving through the courts.

Related content:

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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 $2,228 per year for full coverage. This is slightly less than the national average of $2,545. Minimum auto insurance in Montana is available for an average cost of $380 per year, which is roughly half the cost of the national average of $741 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 $344 per year for minimum coverage car insurance and $1,428 per year for full coverage car insurance. In Wyoming, the average cost of minimum coverage car insurance is $270 per year, while the average cost of full coverage is $1,581 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 tornados, hail and windstorms, which can contribute to costly car insurance claims. Plus, the state has a higher fatal accident rate — 21.6 deaths per 100,000 residents — than its neighboring states. Montana also has some of the highest drunk driving rates in the nation, which can also drive up insurance premiums. Insurance carriers consider these sobering statistics when they calculate premiums, which can result in higher insurance rates for Montana drivers.

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

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To help you determine which insurance provider is best for you, compare auto insurance quotes from multiple insurance companies. Try using our monthly payment calculator for personalized estimates.

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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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