- Nationwide has the cheapest car insurance rates in Montana for full coverage at $116 a month among the companies analyzed by the team of CarInsurance.com.
- In Montana, drivers with clean driving records pay 37% less than drivers with a DUI.
- The city of Missoula has the lowest auto insurance rates in Montana, with an average premium of $1,908 per year.
- You can save up to 37% per year on your car insurance policy in Montana by comparing price quotes from multiple insurers.
The cheapest car insurance in Montana costs $116 per month for a full coverage policy from Nationwide. That’s a $67 savings from the average cost of insurance in the state, which is $183 a month.
“Drivers looking to get the cheapest insurance premiums in Montana should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Montana including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Car insurance companies with cheap car insurance in Montana
Nationwide has the cheapest full coverage car insurance in Montana, at an average premium of $116 per month or around $1,394 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Montana. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Montana per month
| Company | Full coverage monthly rates |
|---|---|
| Nationwide | $116 |
| State Farm | $155 |
| GEICO | $199 |
| Progressive | $201 |
| Kemper Insurance | $224 |
| Farmers | $245 |
| Allstate | $246 |
| USAA* | $77 |
Note: USAA is only available to military community members and their families.
Who pays the lowest auto insurance premiums in Montana?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
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[SKIP state=”MA|MI|MT|HI|NJ”]
- Married drivers pay than single drivers.
- Montana drivers with clean records pay 37% less than drivers who have a DUI on their record.
- Montana drivers in their 20s pay 57% lower rates for insurance than a 16-year-old in Montana.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 28% less on their insurance premiums.
- Drivers insured for three or more years can save up to 21% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest insurers for different coverage levels in Montana
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Nationwide is the cheapest for a state minimum policy.
- Nationwide has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Montana.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Montana
Montana requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Montana, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| Nationwide | $201 |
| State Farm | $244 |
| GEICO | $249 |
| Progressive | $359 |
| Kemper Insurance | $477 |
| Farmers | $519 |
| Allstate | $611 |
| USAA* | $144 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Montana
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Montana, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Nationwide | $351 |
| State Farm | $390 |
| GEICO | $402 |
| Progressive | $506 |
| Kemper Insurance | $585 |
| Allstate | $731 |
| Farmers | $1,169 |
| USAA* | $181 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Montana
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Montana, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Nationwide | $1,394 |
| State Farm | $1,858 |
| GEICO | $2,382 |
| Progressive | $2,414 |
| Kemper Insurance | $2,692 |
| Farmers | $2,939 |
| Allstate | $2,949 |
| USAA* | $919 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in Montana by driving history
In Montana, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Montana, drivers with a history of such violations typically pay $624 more annually than drivers with clean records.
Cheap car insurance rates in Montana after a speeding ticket
A speeding ticket can impact your Montana car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,416 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,416 | 6% | $82 |
| Progressive | $1,221 | $1,650 | 35% | $430 |
| Nationwide | $1,413 | $1,958 | 39% | $545 |
| GEICO | $1,944 | $2,152 | 11% | $208 |
| Farmers | $2,278 | $2,718 | 19% | $439 |
| Allstate | $2,460 | $2,759 | 12% | $299 |
| Kemper Insurance | $2,577 | $3,103 | 20% | $526 |
| USAA* | $899 | $1,082 | 20% | $184 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Montana after a DUI conviction
Montana drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,416 a year, followed by Progressive with an annual premium of $1,515 annually, based on recent data.
If you have a clean record, you are likely to pay 37% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,416 | 6% | $82 |
| Progressive | $1,221 | $1,515 | 24% | $294 |
| Kemper Insurance | $2,577 | $2,702 | 5% | $126 |
| Farmers | $2,278 | $3,064 | 35% | $786 |
| Nationwide | $1,413 | $3,113 | 120% | $1,700 |
| Allstate | $2,460 | $3,373 | 37% | $913 |
| GEICO | $1,944 | $5,355 | 176% | $3,412 |
| USAA* | $899 | $1,747 | 94% | $848 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Montana after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,497 a year.
On the other hand, Progressive offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,914.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,334 | $1,497 | 12% | $163 |
| Progressive | $1,221 | $1,914 | 57% | $693 |
| Nationwide | $1,413 | $2,444 | 73% | $1,030 |
| GEICO | $1,944 | $2,868 | 48% | $925 |
| Farmers | $2,278 | $3,188 | 40% | $910 |
| Allstate | $2,460 | $3,454 | 40% | $994 |
| Kemper Insurance | $2,577 | $3,776 | 47% | $1,200 |
| USAA* | $899 | $1,209 | 35% | $310 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Montana cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Missoula is the city with the lowest premiums in Montana at an annual auto insurance rate of $1,908.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Montana cities with the lowest car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Missoula | $1,908 |
| Helena Valley West Central | $1,912 |
| Orchard Homes | $1,916 |
| Milltown | $1,916 |
| Fort Harrison | $1,920 |
| Helena Valley Southeast | $1,932 |
| Helena | $1,942 |
| Lolo | $1,944 |
| Clinton | $1,966 |
| Wise River | $1,976 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in Montana
If you compare car insurance quotes, you could enjoy an annual saving of around 37% on a full coverage policy in Montana.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Montana: Save on premiums
Montana drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Montana.
| Discount type | % difference | $ difference |
|---|---|---|
| Anti-theft device | 5% | $86 |
| Daily commute | 4% | $96 |
| Days advanced purchase | 8% | $208 |
| Days per week driven | 4% | $96 |
| Education | 8% | $152 |
| Electronic funds transfer | 3% | $73 |
| Electronic signature | 10% | $105 |
| Homeowner | 8% | $177 |
| Lower annual mileage | 5% | $79 |
| Loyalty – years renewal with company | 6% | $96 |
| Multi policy | 9% | $189 |
| Paperless/electornic documents | 5% | $134 |
| Payment type | 5% | $144 |
| Primary use | 9% | $172 |
| Profession | 14% | $195 |
| Safety devices | 3% | $87 |
| Telematics | 11% | $147 |
| Years insured | 20% | $713 |
| Years licensed | 24% | $972 |
Final thoughts on cheap car insurance in Montana
Our research shows that Nationwide has the cheapest full coverage car insurance rates in Montana for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Montana, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Montana for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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