You can find the cheapest full-coverage car insurance in Montana for $116 a month from Nationwide. It saves you $67 compared to the state average car insurance cost of $183 monthly.
Shopping for car insurance in Montana can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Montana, with an insurance premium of $116 per month.
- Drivers in Montana with a clean record pay 37% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Montana is Missoula, with an annual premium of $1,908 .
- Montana drivers can save up to 37% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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 policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Montana.
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.
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Montana drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Montana
In Montana, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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 Montana insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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 car insurance in Montana
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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
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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Montana, drivers with a history of traffic violation pay an average of $624 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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
State Farm offers the cheapest car insurance to Montana drivers with a DUI conviction at $1,416 per year and Progressive has the second-cheapest insurance premiums at $1,515 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 37% less than those with a history of 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 rates after an at-fault accident in Montana
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,497 .
Progressive is the second most affordable option, providing full-coverage car insurance with 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Montana
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.
In Montana, Missoula stands out as the city with the lowest auto insurance rates, at an average of $1,908 per year.
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
How much can you save on auto insurance in Montana?
Shopping around for car insurance quotes in Montana can help drivers save 37% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Montana: Save on premiums
In Montana, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Montana below.
| 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 |
The bottom line 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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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.