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.
- USAA: Best for military families
- Geico: Best for low prices
- Progressive: Best for high-risk drivers
- 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* | 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 | $1,720.08 | 4.8/5 | A++ | 883/1,000 | |
| Pin Geico | $408.14 | $2,236.20 | 4.6/5 | A++ | 834/1,000 | |
| Pin Progressive | $516.79 | $2,311.42 | 4.4/5 | A+ | 821/1,000 | |
| Pin State Farm | $633.96 | $1,978.92 | 4.4/5 | A++ | 814/1,000 | |
| Pin Allstate | $738.59 | $2,439.19 | 4/5 | A+ | 810/1,000 |
Information accurate as of 11/17/2020
* Data provided by Coverage.com
Best for military families
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on USAA:
Best for low prices
Why we chose it
Pros
- Low annual premiums
- 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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Geico:
Best for high-risk drivers
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Progressive:
- Progressive auto insurance review
- Progressive homeowners insurance review
- Progressive renters insurance review
Best for coverage options
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on State Farm:
Best for online resources
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
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.
Further Reading on Allstate:
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
| Company | Average 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
| Company | Average 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
| City | Average 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
| City | Average 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.
