The best car insurance in Montana

Laura Gunn

By

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Published November 10, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average cost of full coverage car insurance in Montana is $1,888, but costs vary widely depending on where in the state you live. Things like your age, credit score and driving history will also affect how much you pay.

Ready to shop car insurance?

Start calculator

Ready to start shopping? Policygenius can help you see rates from top companies so you can compare options and choose the best policy for you.

Key Takeaways

  • USAA offers the lowest average rate for full coverage car insurance in Montana at $856 per year

  • GEICO offers the cheapest average coverage for Montana drivers with bad credit 

  • Montana requires at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and $10,00 in property damage liability coverage

Cheapest car insurance companies in Montana

Finding an affordable car insurance provider can be tricky. Each car insurance company will use the same factors — vehicle type, driving history, driver age, even credit score — to help determine your rates. But companies all have different methods for crunching the numbers, which is why rates can vary so widely.

Company

Average cost

JD Power Rating

USAA

$856

890

State Farm

$990

881

General Casualty Company of Wisconsin

$1,320

--

GEICO

$1,369

871

Progressive

$1,480

856

Cheapest car insurance companies by age in Montana

A driver's age will also have a big impact on car insurance rates. Younger drivers pay more for insurance because of their inexperience on the road. As they age and gain experience, drivers can expect to see their rates drop each year until they turn 25.

Age

Cheapest company

Average cost

16

State Farm

$3,059

18

State Farm

$2,469

21

USAA

$1,302

25

USAA

$1,045

30

USAA

$910

35

USAA

$854

45

USAA

$805

55

USAA

$762

Choosing the right car insurance company in Montana

Choosing the right insurance company may seem complicated, but it comes down to a few key factors. 

  • Cost: Companies charge different rates for similar coverage. That's why it's important to shop around and make sure you’re not missing out on better rates.

  • Coverage: Higher limits means more protection in case of an accident, so figure out how much coverage you can get while still staying in your budget.

  • Customer service: Make sure the company you choose scores well for claims satisfaction ratings, and see if they offer perks like a mobile app for on-the-go claims filing.

If you're ready to start shopping, Policygenius can help you compare quotes from top car insurance companies and choose the coverage that’s right for you.

Car insurance rates for drivers with driving violations in Montana

Driving history is another factor used by car insurance companies to help determine rates and coverage. Insurance companies will review the past 3 to 5 years of a drivers Motor Vehicle Report (MVR). This report is the culmination of a driver's history and records any reports traffic accidents or driving violations.

Insurance companies will note any driving violations as potential risk. These violations can range from failure to stop at a red light to an at-fault accident or even a DUI/DWI violation. How much each of these violations affects your potential rates will vary, but any of them will have negative impacts.

Violation

USAA

State Farm

General Casualty Company of Wisconsin

GEICO

Progressive

At-fault Accident

$1,194

$1,143

$2,216

$2,045

$2,221

DUI

$1,750

$1,078

$2,563

$3,878

$1,815

Driving with a suspended license

$1,657

$1,078

$2,711

$1,516

$2,123

Driving with an open container

$1,244

$1,078

$2,563

$1,516

$2,028

Driving with expired registration

$1,189

$1,078

$1,908

$1,369

$2,028

Driving without Lights

$1,189

$1,078

$1,908

$1,516

$2,028

Failure to show documents

$1,189

$1,078

$1,908

$1,369

$2,028

Failure to stop at a red light

$1,189

$1,078

$1,908

$1,516

$2,028

Cheapest car insurance for drivers with bad credit in Montana

A bad credit score can also negatively affect your car insurance rates. Most states, including Montana, allow car insurance companies to use your credit scores as one of many determining factors when setting prices.

Company

Rates for drivers with bad credit

GEICO

$1,769

USAA

$1,842

General Casualty Company of Wisconsin

$2,080

State Farm

$2,096

Nationwide

$2,421

Car insurance costs in Montana cities

Car insurance companies consider factors like population density and crime rates when determining insurance rates, which is why costs vary from city to city.. 

Here's how the ten biggest cities in Montana stack up:

  • Billings: $1,648

  • Missoula: $1,466

  • Great Falls: $1,582

  • Bozeman: $1,606

  • Helena: $1,510

  • Kalispell: $1,753

  • Butte: $1,652

  • Havre: $1,912

  • Miles City: $1,852

  • Belgrade: $1,607

Ready to shop car insurance?

Start calculator

Buying car insurance in Montana

Montana requires minimums at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and $10,00 property in damage liability coverage. 

Car insurance companies in Montana are required to offer uninsured/underinsured motorist coverage to drivers, but drivers aren’t required by law to have it. If drivers want to decline or opt out of this coverage they must do so in writing. 

Montana is also an at-fault state. That means that the insurance company of the driver deemed responsible for an accident must pay for the victim’s medical bills and repairs, up to the limits of the policy.

How to get cheap car insurance in Montana

Car insurance can be expensive, but there are some simple ways to find cheaper coverage.

  • Ask about bundling multiple types of insurance, like home and auto 

  • Find out what discounts are offered, like paid-in-full discounts or savings for safe drivers

  • Reduce coverage on older cars

  • Maintain a good credit score or repair low credit

  • Take driver’s education courses

  • Reshop your insurance yearly to make sure you’re not missing out on better rates

Frequently asked questions

I'm about to turn 25, will my rates increase or decrease?

It's common for drivers to see car insurance rates decrease after they turn 25, but it's not a guarantee. A lot of that depends on a combination of other factors, like driving history and location.

What's considered a bad credit score?

Credit scores fall on a scale that ranges from 300 to 850. A credit score is considered fair when it’s between 601 and 660. Poor credit is usually anywhere between 500 and 600. Credit scores lower than 500 are considered very poor.

Is cutting coverage the only way to save money on car insurance?

Absolutely not. There are a lot of ways you can make your car insurance more affordable. Consider taking driver’s education courses for discounts or reshopping for car insurance to see if you can find cheaper rates with another company.

How do Montana car insurance rates compare to the national average?

The average cost for full coverage car insurance in the state of Montana is $1,888. This is over $200 higher than the national average in the U.S., which comes in at $1,674.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.