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Compared to most other states, car insurance in Montana is significantly less expensive than in other states. The reason why Montanans pay $200 less than the national average for state minimum coverage is just because of that. It's normal to know that car owners in Montana are perplexed as to how they can get best car insurance in the state without sacrificing adequate coverage. If you just got your driver's license or recently moved to Montana, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Montana.

Minimum Required Auto Insurance Coverage in Montana

All states require you to buy such insurance coverage before you can register your car. According to the Montana Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $25,000 per person
$50,000 per accident
Property damage liability coverage $20,000

Cheapest Car Insurance in Montana for Minimum Required Coverage

State Farm has the cheapest full-coverage insurance in Montana. A year's worth of insurance costs $990, which is 45% less expensive than the state average and less expensive than Progressive. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Types Of Car Insurance Coverage Available in Montana

In Montana, like other states, various types of car insurance coverage are available. Collision coverage, comprehensive coverage, liability insurance are among those. To learn more about these coverage alternatives, refer types of vehicle insurance coverages in Montana.

See what you could save on auto insurance

Montana Car Insurance Laws

Motor vehicles on public roads in Montana must be insured by a liability insurance policy that meets the state's minimum coverage limits set forth in 61-6-103, MCA.

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Montana Car Insurance PIP Requirements

Montana does not require personal injury protection (PIP). Infact in Montana, PIP is completely unavailable. If you've been injured in a car accident in Montana, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof of Auto Insurance in Montana

In addition to their driver's license and vehicle registration, drivers in Montana are required by law to show proof of insurance to law enforcement when they are pulled over for a traffic infraction or collision.

Average Cost of Auto Insurance Companies in Montana

The average cost of car insurance in Montana is $1,408 per year, for minimum liability. Refer to the following table to get the numbers of the different insurance quotes.

Company Average Annual Rate
USAA $764
State Farm $1,054
Allied $1,094
The General $1,388
QBE Insurance $1,408
Statewide Average $1,408
Nationwide $1,420
Progressive $1,565
Farmers $1,729
Allstate $1,934
MetLife $2,072

Cheapest Car Insurance Quotes for Montana Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Montana from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Montana. According to our in-house market research, these companies offer the best auto insurance in Montana.

Cheap car insurance in Montana for young Montana drivers

USAA is the most affordable insurer in Montana for young drivers.

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $8,453 $8,457
Farmers $6,252 $6,252
The General $4,252 $4,252
Nationwide $4,187 $4,187
Progressive $8,981 $8,981
QBE Insurance $4,684 $4,654
State Farm $2,845 $2,845
USAA $2,568 $2,568
Statewide Average $5,274 $5,274

Cheap car insurance for Montana drivers with a speeding ticket

Drivers in Montana with a recent speeding ticket can find the best rates at USAA.

Company Average Annual Rate
USAA $982
State Farm $1,111
Allied $1,439
The General $1,553
Statewide Average $1,689
Farmers $1,719
Nationwide $1,924
QBE Insurance $1,953
Progressive $2,133
Allstate $2,139
MetLife $2,534

Cheap auto insurance for Montana drivers after a car accident

USAA also has the cheapest rates for drivers with an at-fault accident on their record.

Company Average Annual Rate
USAA $1,000
State Farm $1,178
Allied $1,837
General Casualty $1,987
Nationwide $2,545
Statewide Average $2,062
The General $2,067
QBE Insurance $2,240
Farmers $2,442
Allstate $2,500
Progressive $2,525
MetLife $2,746

Cheap car insurance quotes for Montana drivers with a DUI

State Farm offers the most affordable full coverage insurance rates for Montana drivers with a DUI at $1,111 a year.

Company Average Annual Rate
State Farm $1,111
USAA $1,445
Progressive $1,937
Allied $2,138
Statewide Average $2,353
Farmers $2,365
QBE Insurance $2,495
Allstate $2,579
General Casualty $2,647
Nationwide $3,033
The General $3,857
MetLife $4,067

Cheap full coverage car insurance quotes for young drivers with an accident history

The most affordable rates for young drivers who have been in an at-fault accident are with State Farm.

Company Annual rate
State Farm $915
Progressive $1,595
The General $1,985
Allstate $3,305
Farmers $3,675

See what you could save on auto insurance

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Montana costs $1500 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Absarokee$1,877
Acton$1,817
Alberton$1,769
Alder$1,757
Alzada$1,829
Anaconda-Deer Lodge County$1,721
Angela$1,841
Antelope$1,769
Arlee$1,793
Ashland$1,841
Augusta$1,709
Avon$1,685
Babb$1,877
Bainville$1,793
Baker$1,805
Ballantine$1,865
Basin$1,721
Bearcreek$1,853
Belfry$1,853
Belgrade$1,721
Belt$1,769
Biddle$1,865
Big Arm$1,865
Big Sandy$1,841
Big Sky$1,781
Big Timber$1,853
Bigfork$1,889
Bighorn$1,829
Billings$1,829
Birney$1,853
Black Eagle$1,781
Bloomfield$1,793
Bonner$1,721
Bonner-West Riverside$1,697
Boulder$1,685
Box Elder$1,841
Boyd$1,865
Boyes$1,817
Bozeman$1,721
Brady$1,805
Bridger$1,853
Broadus$1,853
Broadview$1,829
Brockton$1,817
Brockway$1,781
Browning$1,889
Brusett$1,865
Buffalo$1,781
Busby$1,889
Butte$1,745
Bynum$1,805
Cameron$1,745
Canyon Creek$1,685
Capitol$1,817
Cardwell$1,685
Carter$1,793
Cascade$1,745
Charlo$1,829
Chester$1,853
Chinook$1,793
Choteau$1,805
Circle$1,793
Clancy$1,733
Clinton$1,697
Clyde Park$1,757
Coffee Creek$1,793
Cohagen$1,865
Colstrip$1,805
Columbia Falls$1,877
Columbus$1,865
Condon$1,793
Conner$1,721
Conrad$1,829
Cooke City$1,781
Coram$1,877
Corvallis$1,709
Crane$1,757
Crow Agency$1,901
Culbertson$1,781
Custer$1,781
Cut Bank$1,901
Dagmar$1,757
Darby$1,709
Dayton$1,889
De Borgia$1,817
Decker$1,865
Deer Lodge$1,709
Dell$1,733
Denton$1,781
Dillon$1,709
Divide$1,733
Dixon$1,817
Dodson$1,829
Drummond$1,709
Dupuyer$1,853
Dutton$1,793
East Glacier Park$1,877
East Helena$1,649
East Missoula$1,697
Edgar$1,865
Ekalaka$1,817
Elliston$1,697
Elmo$1,865
Emigrant$1,781
Ennis$1,745
Essex$1,877
Ethridge$1,865
Eureka$1,877
Evaro$1,769
Evergreen$1,877
Fairfield$1,781
Fairview$1,781
Fallon$1,829
Fishtail$1,853
Flaxville$1,769
Florence$1,721
Floweree$1,757
Forest Grove$1,769
Forsyth$1,817
Fort Belknap Agency$1,829
Fort Benton$1,793
Fort Harrison$1,649
Fort Peck$1,805
Fort Shaw$1,721
Fort Smith$1,973
Fortine$1,865
Four Corners$1,733
Frazer$1,793
Frenchtown$1,733
Froid$1,769
Fromberg$1,865
Galata$1,877
Gallatin Gateway$1,793
Gardiner$1,793
Garrison$1,697
Garryowen$1,877
Geraldine$1,793
Geyser$1,781
Gildford$1,817
Glasgow$1,793
Glen$1,709
Glendive$1,757
Glentana$1,781
Gold Creek$1,709
Grantsdale$1,709
Grass Range$1,757
Great Falls$1,769
Greycliff$1,889
Hall$1,721
Hamilton$1,709
Hammond$1,829
Hardin$1,889
Harlem$1,829
Harlowton$1,829
Harrison$1,685
Hathaway$1,829
Haugan$1,817
Havre$1,805
Havre North$1,805
Hays$1,853
Heart Butte$1,913
Helena$1,685
Helena Flats$1,877
Helena Valley Northeast$1,661
Helena Valley Northwest$1,649
Helena Valley Southeast$1,649
Helena Valley West Central$1,649
Helena West Side$1,661
Helmville$1,721
Heron$1,901
Highwood$1,817
Hilger$1,757
Hingham$1,817
Hinsdale$1,793
Hobson$1,805
Hogeland$1,829
Homestead$1,757
Hot Springs$1,865
Hungry Horse$1,865
Huntley$1,817
Huson$1,757
Hysham$1,841
Ingomar$1,841
Inverness$1,805
Ismay$1,817
Jackson$1,733
Jefferson City$1,709
Joliet$1,865
Joplin$1,841
Jordan$1,853
Judith Gap$1,781
Kalispell$1,877
Kevin$1,865
Kila$1,877
Kinsey$1,829
Kremlin$1,817
Lake Mc Donald$1,877
Lakeside$1,889
Lambert$1,781
Lame Deer$1,853
Larslan$1,793
Laurel$1,817
Lavina$1,817
Ledger$1,853
Lewistown$1,745
Libby$1,877
Lima$1,733
Lincoln$1,721
Lindsay$1,793
Livingston$1,757
Lloyd$1,829
Lockwood$1,829
Lodge Grass$1,973
Lolo$1,721
Loma$1,853
Lonepine$1,865
Loring$1,781
Lothair$1,853
Malmstrom AFB$1,805
Malta$1,805
Manhattan$1,733
Marion$1,877
Martin City$1,865
Martinsdale$1,709
Marysville$1,709
Mc Allister$1,721
Mc Leod$1,853
Medicine Lake$1,757
Melrose$1,769
Melstone$1,841
Melville$1,865
Mildred$1,841
Miles City$1,817
Milltown$1,709
Missoula$1,733
Moccasin$1,793
Molt$1,853
Monarch$1,721
Montana City$1,733
Moore$1,769
Mosby$1,841
Musselshell$1,769
Nashua$1,805
Neihart$1,757
Niarada$1,865
Norris$1,733
North Browning$1,889
Noxon$1,913
Nye$1,865
Oilmont$1,889
Olive$1,841
Olney$1,877
Opheim$1,781
Orchard Homes$1,721
Otter$1,865
Outlook$1,769
Ovando$1,805
Pablo$1,829
Paradise$1,817
Park City$1,865
Peerless$1,853
Pendroy$1,817
Philipsburg$1,709
Pinesdale$1,709
Plains$1,841
Plentywood$1,757
Plevna$1,817
Polaris$1,709
Polebridge$1,877
Polson$1,877
Pompeys Pillar$1,865
Pony$1,709
Poplar$1,781
Powderville$1,829
Power$1,793
Pray$1,769
Proctor$1,865
Pryor$1,901
Radersburg$1,817
Ramsay$1,757
Rapelje$1,877
Ravalli$1,829
Raymond$1,769
Raynesford$1,805
Red Lodge$1,865
Redstone$1,769
Reed Point$1,877
Reserve$1,769
Rexford$1,865
Richey$1,805
Richland$1,781
Ringling$1,697
Riverbend$1,769
Roberts$1,865
Rocky Boy's Agency$1,841
Rocky Point$1,877
Rollins$1,901
Ronan$1,829
Roscoe$1,865
Rosebud$1,829
Roundup$1,781
Roy$1,757
Rudyard$1,805
Ryegate$1,865
Saco$1,781
Saint Marie$1,793
Saint Regis$1,805
Saint Xavier$1,949
Saltese$1,817
Sand Coulee$1,757
Sand Springs$1,865
Sanders$1,829
Sangrey$1,841
Savage$1,781
Scobey$1,781
Seeley Lake$1,757
Shawmut$1,829
Shelby$1,853
Shepherd$1,841
Sheridan$1,745
Sidney$1,757
Silver Gate$1,781
Silver Star$1,721
Simms$1,733
Somers$1,877
South Browning$1,889
Springdale$1,757
St. Ignatius$1,817
Stanford$1,805
Stevensville$1,709
Stockett$1,769
Stryker$1,865
Sula$1,697
Sumatra$1,841
Sun Prairie$1,757
Sun River$1,733
Sunburst$1,877
Superior$1,769
Sweet Grass$1,901
Teigen$1,757
Terry$1,853
Thompson Falls$1,877
Three Forks$1,697
Toston$1,709
Townsend$1,697
Trego$1,865
Trout Creek$1,877
Troy$1,913
Turner$1,829
Twin Bridges$1,733
Two Dot$1,829
Ulm$1,733
Valier$1,901
Vandalia$1,793
Vaughn$1,721
Victor$1,697
Vida$1,781
Virginia City$1,733
Volborg$1,841
Walkerville$1,757
West Glacier$1,877
West Glendive$1,757
West Yellowstone$1,769
Westby$1,769
White Haven$1,877
White Sulphur Springs$1,697
Whitefish$1,877
Whitehall$1,697
Whitetail$1,817
Whitewater$1,793
Whitlash$1,877
Wibaux$1,769
Willard$1,817
Willow Creek$1,721
Wilsall$1,745
Winifred$1,769
Winnett$1,853
Winston$1,697
Wisdom$1,709
Wise River$1,697
Wolf Creek$1,673
Wolf Point$1,793
Worden$1,853
Wyola$1,973
Zortman$1,829
Zurich$1,817

Cheap auto insurance in Montana with bad credit

Company Avg. Annual Premium
USAA $2,015
Progressive $2,141
General Casualty $2,179
The General $2,650
State Farm $2,783
Farmers $3,234
Allstate $4,095

Montana auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,808 1% $10
One Med/PIP claim $1,808 1% $10
One comp claim $1,857 4% $59
Two Med/PIP claims $1,857 4% $49
Not-at-fault accident $1,862 4% $55
Two comp claims $1,899 6% $91
Failure to wear a seat belt $2,015 13% $208
Driving without lights $2,020 13% $212
Child safety restraint $2,020 13% $212
Speeding 6 - 10 MPH over limit $2,029 13% $221
Failure to show documents $2,088 17% $280
Speeding 11 - 15 MPH over limit $2,125 19% $317
Texting while driving $2,146 20% $339
Cell phone violation $2,146 20% $339
Driving with expired registration $2,151 20% $344
Speeding 16 - 20 MPH over limit $2,157 20% $350
Improper passing $2,166 21% $359
Failure to yield $2,166 21% $359
Following too closely $2,166 21% $359
Failure to stop at a red light $2,166 21% $359
Illegal turn $2,167 21% $360
Driving too slowly $2,168 21% $360
Wrong way/wrong lane $2,209 23% $401
Passing school bus $2,265 26% $458
At-fault accident - less than $1000 $2,305 29% $498
Speeding in school zone $2,310 29% $502
Speeding 21 - 25 MPH over limit $2,333 30% $526
In 65 MPH zone $2,333 30% $526
Operating a vehicle without permission $2,343 31% $536
At-fault accident - $1000-$2000 $2,449 37% $641
Open container $2,458 37% $650
At-fault accident - greater than $2000 $2,472 38% $665
Driving with a suspended license $2,707 51% $899
Reckless driving $2,707 51% $899
Refusal to submit to a chemical test $2,764 54% $957
DUI $2,884 61% $1,077
Racing $2,988 67% $1,181
Leaving scene of an accident/hit and run $3,017 68% $1,209

Car insurance price trends in Montana

Year Avg. Annual Premium - Montana Yearly Change - Montana Avg. Annual Premium - US Yearly Change - US
2021 $1,544 -$5 $1,539 $56
2020 $1,559 $24 $1,493 $71
2019 $1,545 $100 $1,554 $33
2018 $1,455 -$361 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$333 $1,378 $98
2015 $1,895 $236 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

How to Find The Best Car Insurance in Montana

Because of your driving record, age, marital status, credit score, etc., and geographic location, finding the best car insurance in Montana will be different for each individual.

Car insurance providers are matched to your needs based on what you want in a policy. To get the best price, you'll need to consider factors like your age, the type of car, and whether or not you have any high-risk or teen drivers in your household.

The cost of your car insurance is often heavily influenced by where you live. For those who live in the Western half of the state, roadside assistance and wheel protection are highly recommended because of the additional road hazards.

Each zip code is represented by a local agent who can assist you.

Things to Know About Car Insurance When Moving to Montana

Montana is actually a tort state – also known as an at-fault state. In the United States, this is the most common form of liability law relating to fault and liability.

How to Get Discounts on Car Insurance in Montana

A variety of auto insurance discounts are available in Montana, but the specifics of each deal will differ from one agency to another. If you're switching insurance carriers, inquire as to whether they provide a transition discount. It is possible that you will be able to save money by relocating. For additional information on the various car insurance discounts available in Montana, check out the blog.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Montana Car Insurance FAQ's

How much is car insurance in Montana?

Montana has a high cost of car insurance. Montana's average vehicle insurance rate is $1626 a year, 13.1 percent higher than the national average.

Why is car insurance so expensive in Montana?

Montana has the highest percentage of auto fatalities in the country. Hence car insurance is pricey.

Is car insurance cheaper in Montana?

Montana has a high cost of car insurance. Montana's average annual vehicle insurance rate is $1626. Safeco, USAA, and State Farm are the lowest automobile insurance carriers in Montana.

Does Montana require car insurance?

Montana law requires you to keep proof of Montana auto insurance in your vehicle and to show it to a law enforcement officer if asked. Driving without vehicle insurance is a misdemeanor in Montana.

Is Montana a no fault state?

No, that is not the case. Montana is an at-fault state, which means it is a tort state. This is the most popular type of liability law in the United States regarding responsibility and liability.

What vehicle insurance is mandatory in Montana?

In Montana, liability insurance is required. Every motor vehicle on the road in Montana is required to have liability insurance. The following are the minimum levels of liability coverage necessary in Montana, as stated in Montana Code Annotated 61-6-103: $25,000 liability coverage for one person's bodily harm or death in any one accident.

Is Montana a PIP state?

Your coverage's Personal Injury Protection (PIP) helps cover "reasonable and essential" medical expenditures for you and your passengers. While Personal Injury Protection is not required by Montana law, most insurers offer it as an optional plan.

Does insurance follow the car or the driver in Montana?

In Montana, auto insurance frequently follows the vehicle. Bodily injury liability, personal injury liability, collision, and comprehensive are the four forms of automobile insurance that follow the car in Montana. In Montana, you must carry bodily injury and property damage liability insurance.

What are the minimum requirements for auto insurance in Montana?

Montana drivers must have at least $25,000 in bodily injury coverage per person and accident.

$50,000 in bodily injury for all those involved in an accident.

Liability for property damage is $10,000.

Liability for property damage is $10,000.

Uninsured motorist coverage of $25,000/$50,000.

Does Montana require uninsured motorist coverage?

According to the Montana Motor Vehicle Responsibility Code, any vehicle operated on public roadways must be covered by liability coverage. Uninsured/underinsured motorist coverage is needed in Montana, although it is not required to drive; you can decline it in writing.

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