How to Compare Car Insurance Rates 2024
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Cheap Montana Car Insurance Companies (2024)

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Content was accurate at the time of publication.
  • Geico has the cheapest liability-only car insurance quotes in Montana. Its rates average $36 a month.
  • State Farm has Montana’s cheapest full-coverage car insurance, $141 a month.
  • State Farm also has the cheapest car insurance for Montana drivers with a speeding ticket or DUI (driving under the influence).

Find the Cheapest Car Insurance Quotes in Montana

State Farm has the cheapest full-coverage car insurance in Montana, charging an average of $1,697 a year. This works out to $141 a month, which is 22% less than the state average of $181 a month.

USAA has Montana’s cheapest car insurance quotes overall. However, USAA is only available to the military community.

Full-coverage auto insurance rates

CompanyAnnual rateLendingTree score
State Farm$1,6974.5 stars
Geico$2,0463.5 stars
State average$2,174NA
Progressive$2,4024 stars
Farmers$3,8583 stars
USAA*$8674 stars

Geico has the cheapest liability insurance quotes in Montana. Its rates average $432 a year, or $36 a month, which is 25% less than the state average.

Geico charges an average of 28% less than its next-cheapest competitor, State Farm.

Liability auto insurance rates

CompanyAnnual rate
Geico$432
State average$574
State Farm$603
Progressive$637
Farmers$1,031
USAA*$167

Liability-only auto insurance covers injuries and damage you cause to others in a car accident. It’s required by Montana law.

Full coverage includes collision and comprehensive, which cover damage to your own car. Although neither is required by law, you usually need both for a car loan or lease.

Geico has the cheapest liability-only car insurance for teens in Montana. Its rates for 18-year-olds average $1,446 a year, or $121 a month. Progressive has the next-cheapest rates, $138 a month.

State Farm has Montana’s cheapest full-coverage car insurance for teens. These rates average $388 a month. This is 29% less than the next-cheapest rate, $547 a month from Geico.

Auto insurance rates for teen drivers

CompanyAnnual rate liabilityAnnual rate full coverage
Geico$1,446$6,567
Progressive$1,656$6,636
State Farm$1,723$4,661
State average$1,784$6,214
Farmers$3,531$10,775
USAA*$564$2,430

Find the Cheapest Car Insurance Quotes in Montana

State Farm has the cheapest car insurance quotes for Montana drivers with a speeding ticket. These rates average $1,871 a year for full coverage, or $156 a month. Geico is next-cheapest, charging an average of $220 a month.

A speeding ticket increases the average cost of auto insurance in Montana by 29% to $2,803 a year.

Cheapest car insurance after a speeding ticket

CompanyAnnual rate
State Farm$1,871
Geico$2,643
State average$2,803
Progressive$3,171
Farmers$5,199
USAA*$1,131

State Farm has Montana’s cheapest car insurance for drivers with an at-fault accident. These rates average $2,384 a year for full coverage, or $199 a month. This is 25% less than the state average for drivers with an accident.

An at-fault accident raises car insurance rates in Montana by an average of 47% to $266 a month.

Cheapest car insurance after an accident

CompanyAnnual rate
State Farm$2,384
State average$3,189
Geico$3,506
Progressive$3,659
Farmers$5,259
USAA*$1,139

State Farm has the cheapest car insurance for Montana drivers with a DUI. These rates average $1,888 for full coverage, or $157 a month. This is 47% less than the state average.

Montana drivers with a DUI pay an average of $299 a month for full coverage. This is 65% higher than the state average for drivers with a clean record. You can often save money if you shop around for cheap car insurance with a DUI.

Cheapest car insurance after a DUI

CompanyAnnual rate
State Farm$1,888
Progressive$2,806
State average$3,588
Farmers$5,067
Geico$6,508
USAA*$1,670

Geico has the best car insurance rates for Montana drivers with bad credit. These rates average $2,927 a year, or $244 a month. Thi is 21% less than the state average for drivers with bad credit.

Montana drivers with bad credit pay 71% more for car insurance than drivers with good credit.

Cheapest car insurance for bad credit

CompanyAnnual rate
Geico$2,927
State average$3,712
Progressive$3,759
State Farm$4,158
Farmers$5,968
USAA*$1,749

Among Montana’s largest cities, Missoula and Helena Valley West Central have the cheapest car insurance rates. The average price of full-coverage car insurance in both cities is $1,947 a year, or $162 a month. Drivers in Helena pay an average of $163 a month.

Whitefish has the highest insurance rate among large Montana cities, $181 a month. Drivers in Billings pay an average of $180 a month.

Montana car insurance rates by city

CityAnnual rate
Anaconda-Deer Lodge County$1,968
Belgrade$1,988
Billings$2,163
Bozeman$2,007
Butte$2,019
Evergreen$2,161
Great Falls$2,042
Havre$2,099
Helena$1,958
Helena Valley Southeast$1,955
Helena Valley West Central$1,947
Kalispell$2,161
Laurel$2,155
Lewistown$2,055
Livingston$2,054
Lockwood$2,153
Miles City$2,117
Missoula$1,947
Sidney$2,035
Whitefish$2,171

Find the Cheapest Car Insurance Quotes in Montana

Driving without auto insurance is a misdemeanor under Montana law. The penalties for a first offense include a fine of up to $500 and up to 10 days in jail. The penalties for subsequent offenses include a driver’s license suspension, fine and possible jail time.

You have to show proof of insurance to law enforcement during a traffic stop or at an accident scene.

The state also uses an online insurance verification system. Insurance companies share basic customer data with the state’s Motor Vehicles Department (MVD). The MVD’s system triggers an alert if it can’t find a valid insurance policy for your vehicle.

Make sure your name and vehicle identification number (VIN) are listed accurately on your insurance documents and MVD records. Doing so helps you avoid hassles with the insurance verification system.

Minimum Montana car insurance requirements

The minimum amounts of car insurance you need to drive legally in Montana include:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000

The state also requires insurance companies to offer uninsured motorist coverage. Although you can decline this coverage, it’s usually worth keeping.

Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. Nearly 9% of Montana drivers don’t have insurance, according to the Insurance Research Council (IRC).

How to get SR-22 insurance in Montana

Most Montana car insurance companies offer SR-22 insurance. An SR-22 is a form that certifies you have insurance. Your insurance company files it for you with the state when you buy your policy.

You usually need an SR-22 to reinstate your license after a violation like DUI, reckless driving or driving without insurance. It’s good to be upfront about an SR-22 requirement with your current insurance company and/or those you contact for quotes.

Some companies don’t offer SR-22 filings. Those that do usually add a filing fee of about $25 to your rate. The actual price you pay for SR-22 insurance depends on your driving record, your vehicle, credit and other factors. You usually need to shop around to get cheap SR-22 insurance.

Car insurance costs an average of $181 a month for and $48 a month for minimum liability. You usually pay more if you have a prior offense on your driving record or bad credit. You may pay less if you have excellent credit.

Yes and no. Full-coverage car insurance in Montana is 10% higher than the national average of $164 a month. However, the state’s liability-only rate is 25% less than the national average of $64 a month.

No. Montana has at-fault car insurance laws. If you cause an accident, you are financially responsible for injuries and property damage you cause to other people. However, the amounts you owe may be reduced if the other driver is partially at fault.

LendingTree gets insurance rates from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of more than 80,000 quotes for a typical driver in every Montana ZIP code. Your own rates may be different.

Unless noted otherwise, quotes are for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Young drivers are 18-year-old males with no prior violations or accidents.

Minimum-liability policies provide liability coverage with the minimum liability limits required in Montana. Full-coverage policies include:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $50,000 per person, $100,000 per accident
  • Collision: $500 deductible
  • Comprehensive: $500 deductible

*USAA is only available to current and former members of the military and their families.