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 in Montana for 2024
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 $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
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$2,560
|
$357
|
|
4.4
|
$2,013
|
$373
|
|
4.3
|
$1,375
|
$245
|
|
4.2
|
$1,280
|
$211
|
|
3.9
|
$3,094
|
$424
|
Geico
Best for broad coverage and bundling options
4.4
4.4
Avg. full coverage premium
$213/mo
Avg. full coverage premium
$2,560/yr
Customer satisfaction
797/1,000
-
Why Geico made our list: Geico insures tens of millions of vehicles and is the second-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
$168/mo
Avg. full coverage premium
$2,013/yr
Customer satisfaction
807/1,000
-
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
$115/mo
Avg. full coverage premium
$1,375/yr
Customer satisfaction
821/1,000
-
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 service 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
$107/mo
Avg. full coverage premium
$1,280/yr
Customer satisfaction
875/1,000
-
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
$258/mo
Avg. full coverage premium
$3,094/yr
Customer satisfaction
783/1,000
-
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 10.7 percent of the market share. Allstate offers basic liability coverage options, but where it shines is its long list of add-on coverage options that drivers can choose from in order to customize their policies, 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
20.7K
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 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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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 $343 per year for minimum coverage car insurance and $1,425 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.
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 |
---|---|---|
Custer | $2,498 | +11% |
Edgar | $2,495 | +11% |
Sanders | $2,518 | +12% |
Wilsall | $2,227 | -0% |
Billings | $2,230 | +0% |
Bainville | $2,442 | +9% |
Outlook | $2,423 | +8% |
Richey | $2,441 | +9% |
Scobey | $2,441 | +9% |
Vida | $2,433 | +9% |
Bloomfield | $2,438 | +9% |
Winifred | $2,483 | +11% |
Helena | $1,990 | -11% |
Marysville | $2,145 | -4% |
Wolf Creek | $2,132 | -4% |
Dell | $2,078 | -7% |
Glen | $2,062 | -8% |
West Yellowstone | $2,181 | -2% |
Bozeman | $2,160 | -3% |
Conner | $2,108 | -6% |
Darby | $2,092 | -6% |
Dixon | $2,222 | -0% |
Huntley | $2,475 | +11% |
Lavina | $2,516 | +12% |
Sand Coulee | $2,129 | -5% |
Ulm | $2,111 | -5% |
Boulder | $2,078 | -7% |
East Helena | $1,998 | -11% |
Fort Harrison | $1,993 | -11% |
Butte | $2,165 | -3% |
Divide | $2,087 | -7% |
Elliston | $2,068 | -7% |
Drummond | $2,062 | -8% |
Ismay | $2,486 | +11% |
Plevna | $2,475 | +11% |
Powderville | $2,458 | +10% |
Wibaux | $2,419 | +8% |
Dutton | $2,314 | +4% |
Lewistown | $2,465 | +10% |
Brockton | $2,460 | +10% |
Culbertson | $2,421 | +8% |
Alzada | $2,509 | +12% |
Norris | $2,082 | -7% |
Neihart | $2,211 | -1% |
Emigrant | $2,214 | -1% |
Belgrade | $2,161 | -3% |
Harrison | $2,082 | -7% |
Alberton | $2,149 | -4% |
Silver Gate | $2,210 | -1% |
Antelope | $2,422 | +8% |
Fairview | $2,425 | +8% |
Glasgow | $2,467 | +10% |
Peerless | $2,472 | +10% |
Redstone | $2,425 | +8% |
Reserve | $2,414 | +8% |
Richland | $2,456 | +10% |
Baker | $2,477 | +11% |
Nashua | $2,480 | +11% |
Raymond | $2,423 | +8% |
Colstrip | $2,525 | +12% |
Otter | $2,519 | +12% |
Teigen | $2,472 | +10% |
Brockway | $2,423 | +8% |
Homestead | $2,414 | +8% |
Medicine Lake | $2,409 | +8% |
Savage | $2,415 | +8% |
Shawmut | $2,497 | +11% |
Flaxville | $2,433 | +9% |
Froid | $2,417 | +8% |
Lambert | $2,422 | +8% |
Plentywood | $2,402 | +7% |
Capitol | $2,574 | +14% |
Acton | $2,315 | +4% |
Martinsdale | $2,120 | -5% |
Dagmar | $2,413 | +8% |
Saint Marie | $2,467 | +10% |
Sidney | $2,394 | +7% |
Brusett | $2,546 | +13% |
Molt | $2,502 | +12% |
Mosby | $2,524 | +12% |
Roundup | $2,486 | +11% |
Crane | $2,407 | +8% |
Fort Peck | $2,477 | +11% |
Larslan | $2,515 | +12% |
Opheim | $2,455 | +10% |
Poplar | $2,429 | +9% |
Westby | $2,416 | +8% |
Joliet | $2,454 | +10% |
Vandalia | $2,446 | +9% |
Whitetail | $2,477 | +11% |
Cooke City | $2,239 | +1% |
Gardiner | $2,228 | +0% |
Grass Range | $2,483 | +11% |
Harlowton | $2,493 | +11% |
Melstone | $2,530 | +13% |
Bighorn | $2,522 | +12% |
Musselshell | $2,503 | +12% |
Springdale | $2,239 | +1% |
Wolf Point | $2,446 | +9% |
Angela | $2,549 | +13% |
Boyes | $2,484 | +11% |
Augusta | $2,155 | -3% |
East Glacier Park | $2,346 | +5% |
Kevin | $2,309 | +4% |
Moore | $2,503 | +12% |
Sweet Grass | $2,322 | +4% |
Canyon Creek | $2,127 | -5% |
Clancy | $2,096 | -6% |
Cameron | $2,107 | -6% |
Dillon | $2,058 | -8% |
Mc Allister | $2,075 | -7% |
Three Forks | $2,179 | -2% |
Charlo | $2,218 | -0% |
Florence | $2,078 | -7% |
Frazer | $2,471 | +10% |
Two Dot | $2,488 | +11% |
Circle | $2,432 | +9% |
Glentana | $2,456 | +10% |
Hinsdale | $2,448 | +9% |
Miles City | $2,443 | +9% |
Biddle | $2,521 | +12% |
Broadus | $2,499 | +11% |
Ekalaka | $2,492 | +11% |
Hathaway | $2,518 | +12% |
Pray | $2,214 | -1% |
Whitlash | $2,321 | +4% |
Deer Lodge | $2,058 | -8% |
Wisdom | $2,080 | -7% |
De Borgia | $2,217 | -1% |
Mildred | $2,476 | +11% |
Bynum | $2,300 | +3% |
Roy | $2,488 | +11% |
Shelby | $2,283 | +2% |
White Sulphur Springs | $2,075 | -7% |
Winston | $2,101 | -6% |
Big Sky | $2,199 | -1% |
Ennis | $2,088 | -6% |
Manhattan | $2,174 | -2% |
Sheridan | $2,138 | -4% |
Glendive | $2,406 | +8% |
Great Falls | $2,154 | -3% |
Belt | $2,183 | -2% |
Brady | $2,314 | +4% |
Geyser | $2,474 | +10% |
Hilger | $2,487 | +11% |
Ledger | $2,302 | +3% |
Lothair | $2,322 | +4% |
Sun River | $2,160 | -3% |
Heron | $2,324 | +4% |
Ravalli | $2,221 | -0% |
Trout Creek | $2,289 | +3% |
Big Arm | $2,247 | +1% |
Eureka | $2,276 | +2% |
Martin City | $2,361 | +6% |
Polebridge | $2,361 | +6% |
Bigfork | $2,393 | +7% |
Somers | $2,382 | +7% |
Trego | $2,277 | +2% |
Troy | $2,329 | +4% |
Laurel | $2,231 | +0% |
Mc Leod | $2,503 | +12% |
Forsyth | $2,512 | +12% |
Hammond | $2,519 | +12% |
Malmstrom A F B | $2,145 | -4% |
Choteau | $2,294 | +3% |
Conrad | $2,295 | +3% |
Floweree | $2,416 | +8% |
Forest Grove | $2,500 | +11% |
Pendroy | $2,297 | +3% |
Stanford | $2,490 | +11% |
Vaughn | $2,141 | -4% |
Haugan | $2,217 | -1% |
Lonepine | $2,236 | +0% |
Noxon | $2,328 | +4% |
Seeley Lake | $2,132 | -4% |
Kalispell | $2,349 | +5% |
Libby | $2,279 | +2% |
Saltese | $2,220 | -0% |
Kila | $2,261 | +1% |
Volborg | $2,460 | +10% |
Babb | $2,346 | +5% |
Coffee Creek | $2,504 | +12% |
Cut Bank | $2,331 | +4% |
Ethridge | $2,294 | +3% |
Fairfield | $2,297 | +3% |
Clyde Park | $2,228 | +0% |
Helmville | $2,098 | -6% |
Hot Springs | $2,244 | +1% |
Ronan | $2,215 | -1% |
Saint Ignatius | $2,211 | -1% |
Victor | $2,083 | -7% |
Hungry Horse | $2,341 | +5% |
Marion | $2,395 | +7% |
Rexford | $2,272 | +2% |
Stryker | $2,277 | +2% |
Whitefish | $2,356 | +6% |
Philipsburg | $2,079 | -7% |
Stevensville | $2,084 | -7% |
Superior | $2,171 | -3% |
Fortine | $2,268 | +2% |
Lake Mc Donald | $2,361 | +6% |
Rollins | $2,268 | +2% |
West Glacier | $2,341 | +5% |
Jefferson City | $2,092 | -6% |
Twin Bridges | $2,097 | -6% |
Whitehall | $2,069 | -7% |
Fallon | $2,458 | +10% |
Terry | $2,488 | +11% |
Willard | $2,480 | +11% |
Oilmont | $2,313 | +4% |
Valier | $2,339 | +5% |
Gallatin Gateway | $2,188 | -2% |
Gold Creek | $2,066 | -8% |
Virginia City | $2,084 | -7% |
Willow Creek | $2,170 | -3% |
Arlee | $2,191 | -2% |
Condon | $2,144 | -4% |
Hamilton | $2,091 | -6% |
Ovando | $2,116 | -5% |
Sula | $2,082 | -7% |
Columbia Falls | $2,356 | +6% |
Hall | $2,064 | -8% |
Plains | $2,233 | +0% |
Lakeside | $2,390 | +7% |
Olney | $2,358 | +6% |
Olive | $2,482 | +11% |
Browning | $2,354 | +5% |
Denton | $2,480 | +11% |
Heart Butte | $2,374 | +6% |
Hobson | $2,487 | +11% |
Grantsdale | $2,070 | -7% |
Pinesdale | $2,094 | -6% |
Polson | $2,249 | +1% |
Proctor | $2,249 | +1% |
Paradise | $2,221 | -0% |
Saint Regis | $2,213 | -1% |
Dayton | $2,272 | +2% |
Rosebud | $2,519 | +12% |
Dupuyer | $2,317 | +4% |
Fort Shaw | $2,158 | -3% |
Judith Gap | $2,489 | +11% |
Raynesford | $2,479 | +11% |
Lincoln | $2,162 | -3% |
Garrison | $2,062 | -8% |
Jackson | $2,078 | -7% |
Pony | $2,077 | -7% |
Ramsay | $2,135 | -4% |
Silver Star | $2,106 | -6% |
Coram | $2,333 | +5% |
Elmo | $2,266 | +2% |
Essex | $2,364 | +6% |
Kinsey | $2,487 | +11% |
Lindsay | $2,436 | +9% |
Buffalo | $2,510 | +12% |
Cascade | $2,151 | -4% |
Monarch | $2,159 | -3% |
Power | $2,315 | +4% |
Stockett | $2,183 | -2% |
Sunburst | $2,325 | +4% |
Basin | $2,100 | -6% |
Ringling | $2,117 | -5% |
Toston | $2,099 | -6% |
Townsend | $2,091 | -6% |
Alder | $2,128 | -5% |
Avon | $2,061 | -8% |
Cardwell | $2,082 | -7% |
Melrose | $2,096 | -6% |
Polaris | $2,065 | -8% |
Wise River | $2,061 | -8% |
Bonner | $1,992 | -11% |
Corvallis | $2,085 | -7% |
Livingston | $2,223 | -0% |
Lima | $2,076 | -7% |
Thompson Falls | $2,278 | +2% |
Radersburg | $2,098 | -6% |
Anaconda | $2,154 | -3% |
Clinton | $1,992 | -11% |
Black Eagle | $2,161 | -3% |
Galata | $2,317 | +4% |
Moccasin | $2,468 | +10% |
Simms | $2,151 | -4% |
Chester | $2,312 | +4% |
Joplin | $2,306 | +3% |
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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.