Why Compare Car Insurance Rates in Montana:
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.
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 |
The average cost of car insurance in Montana is $196 per year, for minimum liability. Refer to the following table to get the numbers of the different insurance quotes.
| Company | Annual Premium |
|---|---|
| Progressive | $196 |
| Nationwide | $367 |
| State Farm | $384 |
| Farmers | $387 |
| Kemper | $574 |
| Allstate | $914 |
| QBE Insurance | $1,428 |
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.
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 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).
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.
| Company | Annual Premium |
|---|---|
| Progressive | $410 |
| Farmers | $1,124 |
| State Farm | $1,397 |
| Nationwide | $1,420 |
| Kemper | $1,569 |
| Allstate | $1,974 |
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.
Progressive is the most affordable insurer in Montana for young drivers.
| Company | 17-year-old-female | 17-year-old-male |
|---|---|---|
| USAA | $2,568 | $2,578 |
| Progressive | $2,580 | $2,580 |
| Nationwide | $3,622 | $3,622 |
| QBE Insurance | $4,694 | $4,664 |
| Allstate | $5,6230 | $5,630 |
| State Farm | $2,119 | $2,119 |
| Farmers | $5,792 | $5,792 |
| Kemper | $6,653 | $6,653 |
Drivers in Montana with a recent speeding ticket can find the best rates at Progressive.
| Company | Annual Premium |
|---|---|
| Progressive | $541 |
| State Farm | $763 |
| Nationwide | $897 |
| USAA | $992 |
| Allstate | $1,122 |
| Farmers | $1,182 |
| Allied | $1,449 |
| Kemper | $1,818 |
| QBE Insurance | $1,963 |
| MetLife | $2,534 |
Progressive also has the cheapest rates for drivers with an at-fault accident on their record.
| Company | Annual Premium |
|---|---|
| Progressive | $679 |
| State Farm | $817 |
| USAA | $1,010 |
| Nationwide | $1,173 |
| Allstate | $1,425 |
| Farmers | $1,681 |
| Allied | $1,847 |
| General Casualty | $1,997 |
| Kemper | $2,178 |
| QBE Insurance | $2,250 |
| MetLife | $2,756 |
Progressive offers the most affordable full coverage insurance rates for Montana drivers with a DUI - $485 a year.
| Company | Annual Premium |
|---|---|
| Progressive | $485 |
| State Farm | $763 |
| USAA | $992 |
| Allstate | $1,385 |
| Allied | $1,449 |
| Nationwide | $1,473 |
| Farmers | $1,611 |
| Kemper | $1,644 |
| Allied | $2,148 |
| QBE Insurance | $2,505 |
| General Casualty | $2,657 |
| MetLife | $4,077 |
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 |
| Allstate | $3,305 |
| Farmers | $3,675 |
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.
| City | Annual 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 |
| Company | Annual Premium |
|---|---|
| Progressive | $688 |
| Nationwide | $911 |
| State Farm | $1,519 |
| Allstate | $1,591 |
| Farmers | $1,791 |
| Kemper | $1,923 |
| USAA | $2,025 |
| General Casualty | $2,189 |
| 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 |
| 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 |
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.
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.
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.
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 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.
Montana has the highest percentage of auto fatalities in the country. Hence car insurance is pricey.
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.
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.
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.
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.
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.
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.
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.
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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