Compare car insurance in Montana

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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• Top auto insurance companies in Montana
• List of insurance companies in Montana

Montana auto insurance companies

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.	More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.	More Info	Compare	loading Fetching your data...

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Average cost of car insurance in Montana

Drivers in Montana can usually expect to pay about $1,200 annually for their car insurance, which is closely in line with the national average.

However, you can still end up paying considerably less than this average amount if you find the right discounts and compare coverage.

Most popular Montana auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$170,796	22.0%
Progressive	$105,918	13.7%
Liberty Mutual	$96,151	12.4%
Farmers	$65,872	8.5%
USAA	$58,064	7.5%
Geico	$45,755	5.9%
Mountain West Farm Bureau	$42,260	5.5%
Allstate	$30,736	4.0%
Travelers	$30,210	3.9%
QBE	$23,740	3.1%

Which city has the cheapest car insurance in Montana?

Of Montana’s largest cities, Great Falls has the cheapest rates and Billings has the most expensive car insurance rates. Billings drivers could face rates 2 times more than Great Falls drivers.

• Billings
• Kalispell
• Billings
• Great Falls
• Butte

State minimum requirements in Montana

Every driver in Montana is required to carry minimum liability coverage. You’ll likely see this coverage written as 25/50/10. Though Montana doesn’t require it, uninsured or underinsured motorist coverage could protect you from someone who doesn’t have enough insurance to cover the damages in an accident.

• $25,000 bodily injury liability per person.
• $50,000 bodily injury liability total per accident.
• $10,000 property damage liability total per accident.

Car insurance for high-risk drivers in Montana

If you have trouble finding cheap car insurance or were rejected because you’re considered a high-risk driver, you can find coverage with Western Association of Automobile Insurance Plans (WAAIP). WAAIP assigns you an affordable provider in its network of insurance companies to guarantee coverage for any driver.

SR-22 insurance in Montana

You won’t need to file for SR-22 insurance in Montana unless you have an out-of-state SR-22 and you’re moving to Montana. You might need this special type of coverage if you’ve been convicted of a DUI, if you’ve accumulated too many violation points on your driving record or if you were caught driving without the legal minimums for car insurance.

Bottom line

Insurance protects you, your passengers and the drivers around you. If you plan to drive in Montana, be sure to carry the minimum liability required. To find the best coverage for the best prices, compare your options.

Common questions about Montana auto insurance

• What factors determine my car insurance rate?

  Each car insurance provider and policy varies, but most policies look at your driving record, age, how much you drive and your car’s year, make and model.

• What if I can’t get car insurance?

  Everyone in Montana has the right to carry insurance. If you can’t find a car insurance policy through traditional channels, check Montana’s Auto Insurance Plan (MAIP), administered by the Western Association of Automobile Insurance Plans. Any licensed agent can process a MAIP application on your behalf.

• Can my car insurance company cancel my policy if I file a claim?

  It could. Insurers have the right to cancel car insurance policies at any time, although most providers reserve cancellation for drivers who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs.