Compare Cheap Auto Insurance in Montana

• Auto insurance in Montana costs $1,992 per year on average for full coverage and $528 per year for minimum coverage.
• USAA and State Farm have the lowest average rates for most driver profiles in Montana.
• GEICO and Progressive also tend to offer below-average rates for many categories.

Jump to:

• Cheapest full coverage auto insurance in Montana: USAA ($1,084 annually) and State Farm ($1,139 annually)
• Cheapest minimum coverage: USAA ($245 annually) and State Farm ($426 annually)
• Cheapest with a teen driver: USAA ($3,353 annually) and State Farm ($3,400 annually)
• Cheapest with a speeding ticket: State Farm ($1,207 annually) and USAA ($1,291 annually)
• Cheapest with an at-fault accident: State Farm ($1,333 annually) and USAA ($1,430 annually)
• Cheapest with a DUI: State Farm ($1,679 annually) and USAA ($2,137 annually)
• Cheapest with low credit: USAA ($2,030 annually) and GEICO ($2,389 annually)

In addition to having some of the cheapest auto insurance rates in Montana, State Farm also ranks higher than most competitors when it comes to customer satisfaction. You should always get quotes from several companies, as a different one may be cheapest for you, but it’s worth taking customer satisfaction ratings into account as well. USAA also has a strong customer service record for those eligible.

1. Compare rates: It’s a good idea to get a quote from at least three different companies when looking for a new auto insurance policy, since rates can vary greatly from one provider to another. The cheapest for you may differ from the average.
2. Keep your record clean: Drive safely and do your best to keep violations off your record to maintain low rates — speeding tickets, DUIs, etc., will all cause your premium to increase.
3. Bundle policies: Most insurers offer a discount — sometimes up to 25% — for purchasing more than one type of policy, including home or renters insurance. Depending on the provider, you may be able to bundle other policies, such as pet and motorcycle insurance. 
4. Lower your coverage: As long as you have limits above Montana’s minimum coverage requirements, you can lower them if you wish. However, be aware that this leaves you at risk of significant out-of-pocket costs in the event of a claim. Make sure to weigh your situation and needs before deciding to lower your coverage.

The cost of car insurance in Montana varies depending on where you live. Billings is the city with the most expensive car insurance in Montana at $1,630 per year on average. Meanwhile, the less populated city of Missoula has lower average rates at $1,449 per year.

By law, Montana drivers must have an auto insurance policy that meets at least the following minimum requirements:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident

These liability limits only cover injuries and damage you cause to others in an accident, and will not pay for damage to your own vehicle. To add this to your policy, you’ll need full coverage, which includes comprehensive and collision coverages. It’s also a good idea to get more than the minimum liability limits if you can afford to for more robust financial protection.

We analyze average auto insurance premiums in Montana for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible