Montana’s average full coverage car insurance rates are above the national average. 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-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 accurate as of July 2021
* Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction 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
* Data provided by Bankrate.com.
**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
Drivers in Montana pay an average of $342 per year for the state’s minimum required insurance and $1,737 per year for a full coverage policy, according to 2021 data from Bankrate.com. For comparison, the national average is $565 per year for minimum coverage and $1,674 per year for full coverage.
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 Full Coverage Premium* |
| USAA | $931 |
| QBE | $1,090 |
| State Farm | $1,121 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Montana
| Company | Average Annual Full Coverage Premium* |
| Allstate | $2,480 |
| Geico | $2,378 |
| Progressive | $1,549 |
* Data provided by Bankrate.com.
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 |
* Data provided by Bankrate.com.
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 |
* Data provided by Bankrate.com.
Car Insurance Add-Ons That May 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 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 used Bankrate.com’s data of car insurance in Montana, based on the profiles of a 40-year male and female. 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, Bankrate used minimum coverage that meets each state’s requirements. 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.
