HomepageInsuranceCarThe Best Car Insurance Companies in Montana

The Best Car Insurance Companies in Montana

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    Montana’s average car insurance rates are slightly below the national average, and the state requires only basic liability coverage. When seeking out the best car insurance in Montana, we considered factors such as premiums, coverage, discounts, customer satisfaction and more. We narrowed down the best car insurance companies in Montana to those who offer exceptional insurance coverage at an affordable price.

    Compare the Top Car Insurance Companies in Montana

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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$392.85$1,720.084.8A++884
    Pin Geico$408.14$2,236.204A++821
    Pin Progressive$516.79$2,311.424.2A+817
    Pin State Farm$633.96$1,978.924.8A++844
    Pin Allstate$738.59$2,439.194.2A+825

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    USAA

    Best for military families

    USAA offers some of the most affordable rates and best customer satisfaction on the market, available only to military families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $392.85* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 884** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers some of the most affordable rates and best customer satisfaction on the market, available only to military families.

    Pros

    • Low annual premiums
    • Excellent customer satisfaction

    Cons

    • Only available to military members and their families
    Read More

    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

    Geico

    Best for low prices

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $408.14* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 821** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Many discounts

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    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

    Progressive

    Best for high-risk drivers

    Progressive is one of the leading car insurance providers in Montana and is the best choice for higher-risk drivers.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $516.79* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 817** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is one of the leading car insurance providers in Montana and is the best choice for higher-risk drivers.

    Pros

    • Best option for high-risk drivers
    • Wide array of discounts
    • Ample coverage options

    Cons

    • Below-average customer satisfaction
    • Low coverage limits
    Read More

    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

    State Farm

    Best for coverage options

    Why we chose it

    State Farm is the biggest car insurer in the state, with some of the best coverage options available.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $633.96* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 844** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is the biggest car insurer in the state, with some of the best coverage options available.

    Pros

    • Many coverage options
    • Above-average claims satisfaction

    Cons

    • Below-average customer satisfaction
    Read More

    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

    Allstate

    Best for online resources

    Why we chose it

    Allstate offers an impressive array of online resources, including a library of educational resources and a robust digital app.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $738.59* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers an impressive array of online resources, including a library of educational resources and a robust digital app.

    Pros

    • Many online resources and tools
    • Lots of coverage options

    Cons

    • High annual premiums
    • Low customer satisfaction
    Read More

    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

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Montana

    Car insurance rates in Montana are slightly below the national average. Drivers in the state can expect to pay an average of $316 for the state’s minimum required insurance and $1,365 for a full coverage policy.

    Insurance prices can vary based on a number of factors. When it comes to location, it’s not just about the state you live in. Customers in Billings, Montana pay higher insurance rates because of the higher rate of auto thefts in the city as compared to the rest of the state. Other relevant factors will include your age, vehicle, driving history and credit score.

    Top 3 Cheapest Car Insurance Companies in  Montana

    CompanyAverage Annual Premium
    USAA$392.85
    Geico$408.14
    National Farmers Union $427.67

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Montana

    CompanyAverage Annual Premium
    Allstate$738.59
    Depositors Insurance Company$676.02
    Progressive$633.96

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Montana

    CityAverage Annual Premium*
    Miles City$409.26
    Havre$419.28
    Lewistown$419.48

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Montana

    CityAverage Annual Premium*
    Billings$577.56
    Great Falls$556.14
    Laurel$544.98

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap insurance: This type of coverage helps protect you from having to continue to pay the loan on a totaled car that’s worth less than you owe.
    • 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.
    • Uninsured motorist: This optional overage will protect you from loss in case you’re in an accident where the at-fault driver doesn’t have insurance.
    • Accident forgiveness: Auto insurance rates typically increase after an accident. This optional coverage will ensure your rates don’t increase after your first accident.

    Guide to Montana Car Insurance 

    Each state has its own unique car insurance laws. Drivers should familiarize themselves with their state’s laws before driving. Montana has fairly minimal coverage requirements, only mandating that drivers purchase low-limit liability insurance.

    Montana Minimum Insurance Requirements

    Every driver in Montana must carry both bodily injury and property damage liability insurance. Failure to do so can result in a misdemeanor, which comes with steep fines and potential jail time.

    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 state for car insurance, meaning the driver who is found to be at-fault for an accident is required to cover all financial losses for property damage and bodily injury of all parties.

    Montana Car Insurance FAQ 

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Montana, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Montana, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.