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Montana

Montana Car Insurance Rates


The Kalispell Valley has the highest car insurance rates in Montana, while Missoula and Helena drivers pay the least. (Comparable rates for every ZIP code are mapped out below.) But rates vary wildly by insurer, making Big Sky Country one of the best places to compare insurance companies.

Montana car insurance requirements

Montana state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $10,000

Montana Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In Montana
  • 59901: $1,894
    KALISPELL
  • 59912: $1,891
    COLUMBIA FALLS
  • 59925: $1,888
    KALISPELL NORTHWEST
  • 59417: $1,885
    BLACKFEET
 
Cheapest Neighborhoods
In Montana
  • 59602: $1,590
    HELENA
  • 59804: $1,600
    LOLO
  • 59825: $1,600
    MISSOULA
  • 59802: $1,602
    MISSOULA


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What you need to know about car insurance in Montana

Penny Gusner
CarInsurance.com
Consumer Analyst

The easiest and most popular means for drivers to comply with Montana's financial responsibility law is by purchasing an auto insurance policy that meets the state required minimum limits. (Drivers can also post a surety bond or obtain a self-insurance certificate, but very few do.)

Most new cars are worth more than the state's property damage liability minimum of $10,000, so you risk a personal lawsuit if you happen to hit something that just came off the showroom floor. We recommend you increase all your liability limits if you have substantial savings or a home to protect.

America's autobahn? Nope. Montana has speed limits, and it puts points on your motor vehicle record for violating them. But the state doesn't allow insurance companies to increase your premium for speeding convictions of less than 10 mph over the limit during the day and 5 mph over the limit at night.

Consequences for being an uninsured motorist: Penalties escalate in Montana the more times you are found driving without insurance. A first offense comes with a fine of at least $250 or up to 10 days in jail. A second offense fine starts at $350, same jail time option, but also the owner must surrender the vehicle's registration and plates for up to 90 days.

A third offense results in a minimum fine of $500 and/or up to six months in jail and the surrender of license plates and registration for up to 180 days. A fourth or subsequent conviction comes with the same potential fine, jail time and registration/plates suspension as a third offense plus the driver's license will be suspended until proof of insurance is provided.

Senior driver discount: State law mandates that Montana auto insurance providers offer drivers age 55 and older a reduction in premiums upon the successful completion of a highway traffic safety program that is approved by the Montana Department of Transportation. The discount given varies by insurer.

Largest car insurance companies for Montana by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 125,091 21.42
2 Farmers Insurance Group 71,686 12.28
3 Liberty Mutual Insurance Companies 69,245 11.86
4 Progressive Insurance Group 64,855 11.11
5 Mountain West Insurance Group 35,349 6.05
6 USAA Group 34,259 5.87
7 Allstate Insurance Group 27,758 4.75
8 Hartford Insurance Group 24,499 4.20
9 Berkshire Hathaway Insurance 24,301 4.16
10 QBE Americas Group 17,769 3.04
Source: A.M. Best market share Rankings are based on direct premiums written in 2013.