Montana’s auto premiums have climbed since 2021 and now typically fall near the national average: for a good‑driver profile, full coverage commonly ranges about $1,900–$2,700 per year and minimum coverage about $350–$600. When seeking out the best car insurance in Montana, we considered current premiums, coverage, discounts, and customer satisfaction. We narrowed down the best car insurance companies in Montana to carriers that pair strong protection with competitive pricing, informed by recent state analyses from Bankrate and NerdWallet.
- USAA: Best for military-centric options
- Geico: Best for discounts
- Progressive: Best for driving incidents
- State Farm: Best for coverage options
- Allstate: Best for online resources
Compare the Top Car Insurance Companies in Montana
| Average Price for State Minimum* | Average Price for Full Coverage* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin USAA | $176 | $931 | A++ | 884 | |
| Pin Geico | $366 | $2,378 | A++ | 821 | |
| Pin Progressive | $390 | $1,549 | A+ | 817 | |
| Pin State Farm | $248 | $1,121 | A++ | 844 | |
| Pin Allstate | $543 | $2,480 | A+ | 825 |
Information current as of 2025
* Benchmarks reflect 2025 state analyses from Bankrate and similar industry sources.
**J.D. Power 2024 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Best for military-centric options
Why we chose it
Pros
- Low annual premiums
- Excellent customer satisfaction
Cons
- Only available to military members and their families
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Personal injury protection
- Extended benefits
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
- Accident forgiveness
Discounts Available
- Safe driver
- Defensive driving
- Driver training
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Vehicle storage
- Family discount
- Length of membership
- Military installation
- Full pay
More USAA Insurance Reviews
Best for discounts
Why we chose it
Pros
- Above-average customer satisfaction
- Many discounts
Cons
- Few local agents available
- No gap coverage
Types of Coverage Offered
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Collision
- Comprehensive
- Roadside assistance
- Rental reimbursement
- Mechanical breakdown
Discounts Available
- Vehicle equipment features
- New vehicle
- Good driver
- Seat belt use
- Defensive driving
- Driver’s education course
- Good student
- Emergency deployment
- Membership & employee
- Military
- Multi-vehicle
- Multi-policy
More Geico Insurance Reviews
Best for driving incidents
Why we chose it
Pros
- Best option for high-risk drivers
- Wide array of discounts
- Ample coverage options
Cons
- Below-average customer satisfaction
- Low coverage limits
Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen & student driver discounts
- Homeowner
- Online quote
- Sign online
- Paperless billing
- Pay in full
- Automatic payment
More Progressive Insurance Reviews
Best for coverage options
Why we chose it
Why we chose it
Pros
- Many coverage options
- Above-average claims satisfaction
Cons
- Below-average customer satisfaction
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
Discounts Available
- Drivewise
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
- Driver training
- Good driving
- Vehicle safety features
- Multi-car
- Multiple-policy
More State Farm Insurance Reviews
Best for online resources
Why we chose it
Why we chose it
Pros
- Many online resources and tools
- Lots of coverage options
Cons
- High annual premiums
- Low customer satisfaction
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Sound system
- Roadside assistance
- Personal injury protection
- Personal umbrella
- Rental reimbursement
Discounts Available
- Vehicle safety
- Multi-policy
- Early signing
- Responsible payer
- Smart student
- New car
- Auto-pay
- Paperless billing
- Full pay
- Safe driving
More Allstate Insurance Reviews
* Benchmarks reflect 2025 state analyses from Bankrate.
**J.D. Power 2024 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Montana
Drivers in Montana now typically pay about $350–$600 per year for the state’s minimum required insurance and roughly $1,900–$2,700 per year for a full coverage policy, based on 2025 state analyses from Bankrate, NerdWallet and Forbes Advisor. Premiums have risen markedly since 2021 amid sustained double‑digit increases in the motor vehicle insurance CPI reported by the U.S. Bureau of Labor Statistics.
Insurance prices vary widely by driver and ZIP code. Insurers price by rating territory, so areas with more traffic and theft tend to cost more. In Montana, Billings often prices higher than other large cities in recent surveys, aided by elevated vehicle theft rates in the Billings MSA, while Helena and Great Falls often price lower; Missoula and Bozeman are commonly near the state average. Other relevant factors include your age, vehicle, driving history and credit score. See current city context in Bankrate’s Montana guide and NICB’s theft “Hot Spots” report (NICB).
Top 3 Cheapest Car Insurance Companies in Montana
| Company | Average Annual Full Coverage Premium* |
| USAA | $931 |
| QBE | $1,090 |
| State Farm | $1,121 |
* Figures can change materially with 2025 filings; consult up-to-date state analyses from Bankrate when comparing quotes.
Top 3 Most Expensive Car Insurance Companies in Montana
| Company | Average Annual Full Coverage Premium* |
| Allstate | $2,480 |
| Geico | $2,378 |
| Progressive | $1,549 |
* Figures can change materially with 2025 filings; consult up-to-date state analyses from Bankrate when comparing quotes.
Top 3 Cheapest Cities for Car Insurance in Montana
| City | Average Annual Full Coverage Premium* |
| East Missoula | $1,464 |
| Bonner-West Riverside | $1,464 |
| Missoula | $1,466 |
* City averages vary by insurer and profile; for current 2025 context across Montana cities, see Bankrate.
Top 3 Most Expensive Cities for Car Insurance in Montana
| City | Average Annual Full Coverage Premium* |
| Dodson | $1,953 |
| Hays | $1,952 |
| Hogeland | $1,948 |
* City averages vary by insurer and profile; for current 2025 context across Montana cities, see Bankrate.
Car Insurance Add-Ons That May Further Protect You
- Gap insurance: This coverage (often called loan/lease payoff) helps cover the difference between your car’s value and the remaining loan/lease balance after a total loss. Regulators require refunds of unearned GAP if a loan ends early or the vehicle is totaled — see CFPB guidance.
- Roadside assistance: If you find yourself stranded with a broken-down car, your insurance company can help send towing service, battery jump service and more; many programs now include EV-qualified towing/charging support and optional trip-interruption benefits.
- Uninsured motorist: This optional coverage protects you if you’re hit by a driver who lacks adequate insurance; in Montana, UM/UIM must be offered by insurers and can be rejected in writing — many drivers add it for extra protection (see state guidance).
- Accident forgiveness: Auto insurance rates typically increase after an accident. This optional program may prevent a surcharge after your first at‑fault accident, subject to eligibility and state availability.
Guide to Montana Car Insurance
Each state sets its own auto insurance rules. In Montana, the legal minimum remains relatively low at 25/50/20 liability; uninsured/underinsured motorist and other coverages are optional (insurers must offer UM/UIM and you may reject in writing). Review current state guidance before driving.
Montana Minimum Insurance Requirements
Every driver in Montana must carry at least the statutory minimum bodily injury and property damage liability insurance and be able to show proof on demand (electronic proof is accepted). Operating without required coverage is a misdemeanor with escalating penalties for repeat violations.
Minimum liability required in the state of Montana is divided as follows:
- $25,000 for bodily injury or death or one person
- $50,000 for total bodily injury or death per accident
- $20,000 for property damage
Montana’s At-Fault Law
Montana is an at‑fault (tort) state: the at‑fault driver’s liability coverage generally pays others’ injury and property damage claims. Montana applies modified comparative negligence (51% bar), so a claimant can recover if they are 50% or less at fault; recovery is barred if more at fault than the party being sued.
Montana Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we referenced 2025 statewide analyses (including Bankrate) that model a 40‑year‑old driver profile. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, sources use each state’s statutory minimums. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes; actual quotes can vary widely in 2025 due to market conditions.
