Auto Insurance in Montana

Montana’s auto insurance rates are on the low side — on average $1,131 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:

Average annual rate in Montana
$0 $2,000
Idaho car owners pay the least
Average annual premium in the US
Louisiana car owners pay the most

Enter your ZIP code to find your best rates:

Find the best auto insurance in Montana

Enter your ZIP code to find your best rates:

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

per person
per accident

Property Damage

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

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: 0

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: 0
Great Falls

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: 0

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.