Auto Insurance in Montana

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Montana drivers pay $100 to $200 less than the national average for auto insurance. Rates, however, can vary significantly depending on several factors, such as what city you live in and what insurance provider you use. To ensure that you’re not overpaying or leaving gaps in your protection, it’s best to get quotes from several companies so you can make an informed decision based on policy prices and coverage levels.

Montana

Population: 1,023,579
Montana
$1,131
US Average
$1,669

Montana is one of the country’s largest states, but it has a small population and low population density. Snowstorms and low temperatures are the biggest climate threats. Although the state requires motorists to purchase minimum coverage, that level may not meet the needs of many vehicle owners, making comprehensive coverage a smart option for those who want to protect themselves.

Montana Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$10k
per accident

Montana has a relatively low minimum liability requirement compared to recommended standards. Montana requires drivers to carry $25,000 in coverage for bodily injury per person and $50,000 per accident. The state only requires $10,000 of coverage for property damage. In comparison, the recommended minimum is $50,000 per person and $100,000 per accident, with $50,000 to cover property damage.

The average bodily injury claim in 2013 was $15,443. Montana’s minimum requirement is high enough to pay this. Unfortunately, this average doesn’t show how many people paid significantly more money for bodily injuries. Since $15,443 is just an average, some claims would have paid considerably more. When expenses exceed the state’s minimum coverage, drivers could face tens or even hundreds of thousands of dollars in out-of-pocket expenses.

Getting quotes from several insurance companies can help you find affordable policies with the coverage you need. Since each company reviews your driving profile in a slightly different way, some companies may charge higher prices for the same level of coverage. Getting a lot of quotes could help you save money. The research takes some time, but it’s often worth the effort.

Cheapest Car Insurance in Montana

Yearly Rate

  • $1,165
    Progressive
  • $1,005
    State Farm
  • $1,910
    Allstate
  • $517
    Liberty Mutual
  • $1,059
    Farmers

If you want to find absolutely the cheapest car insurance options in Montana, consider using the companies listed here. Choosing one of these insurance providers should help you keep monthly rates low and make car ownership more affordable.

Low-cost auto insurance companies have cheaper rates, but they’re not always the best options for drivers. Companies may sacrifice customer service to keep prices as cheap as possible. Some drivers find that low-cost insurance companies can make it difficult to get claims reimbursed. Also, when dealing with a national company, you may not get the goodwill that you could get from a local company.

Where is car insurance most affordable?

Where you live can have a significant effect on how much your auto insurance costs.

People living in Great Falls and Missoula tend to pay prices above the state average, but still quite affordable compared to the national average. Costs for Billings residents are slightly lower than the state average.

Getting quotes from several insurance providers should help you determine which one has the prices and coverage options you need. Without these quotes, it’s difficult to tell how the rates compare to the state and national average.

Billings Auto Insurance

Population: 109,059
Billings
$1,106
Montana
$1,131

A population of 109,059 people makes Billings the largest city in Montana. The city was originally founded as a railroad hub, making Billings an important area for trade and distribution. The city also sits near the country’s largest coal reserve, and area oil and natural gas fields make it an important location for the energy industry. Of the three largest cities in Montana, Billings has the lowest auto insurance rates.

Great Falls Auto Insurance

Population: 59,351
Great Falls
$1,190
Montana
$1,131

Great Falls has a population just under 59,700 people. Until 2000, it was Montana’s second-largest city. Auto insurance prices in Great Falls are slightly higher than the state average. They are, however, still cheaper than the national average. Great Falls has a bus system that operates on a fairly restricted schedule, so car ownership is a part of most people’s lives.

Missoula Auto Insurance

Population: 69,122
Missoula
$1,145
Montana
$1,131

Missoula became the state’s second-largest city in 2000. Today, it has a population of more than 69,000 people. Many people move to Missoula to attend the University of Montana, which has a significant economic influence in the region. Lumber is also an important part of the city’s economy. Missoula has an impressive public transit system for a city of its size. Still, most people rely on automobiles. Although car insurance in Missoula is higher than the state average, it’s lower than the national average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.