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Compare car insurance in Montana

Get the cheapest car insurance in Montana for 2021

The average annual cost of car insurance in Montana is $1,025.46. Narrow down car insurers offering coverage in Montana by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Drivers in Montana pay $1,025.46 annually or about $85 monthly for car insurance, according to the National Association of Insurance Commissioners (NAIC). This means that driving in Big Sky Country costs 14% less for insurance than the national average, which is $1,190 per year.

That said, the NAIC includes both state minimum car insurance policies alongside those with higher coverage added, like comprehensive and collision. You could end up paying less than Montana’s average depending on your exact car, driving record, ZIP code and other factors.

Montana car insurance quick facts

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Minimum liability requirements

25/50/20

Average annual car insurance cost according to the NAIC

$1,025.46

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Montana state minimum car insurance requirements

Every Montana driver is required to carry a minimum level of liability coverage. You’ll 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.

Let’s take a closer look at what’s covered by Montana’s state minimum requirements.

Bodily Injury Liability

Bodily injury liability

  • $25,000 for bodily injuries per person
  • $50,000 for injuries to more than one person

Montana requires you to keep at least 25/50 for bodily injuries, which pays up to $25,000 if you cause injuries to one person and up to $50,000 total if you injure more than one person. You’ll see this as a common requirement in other states too.

Bodily injury liability kicks in for other drivers, passengers or pedestrians in accidents that you cause. Because it protects you from paying for someone else’s medical bills or pain and suffering, consider buying plenty of bodily injury coverage — above what Montana requires.

Property damage liability

Property damage liability

  • $10,000 for property damage liability

For property damage, you’ll need at least $10,000 in coverage. This type of liability pays if you damage someone else’s car or other property, like custom car accessories, poles or fencing. Montana falls on the low end of what other states require for property damage liability.

Finder tip: Montana’s state minimum coverage isn’t enough

Like most states, Montana’s barebones liability requirements won’t pay for damage that costs more than the 25/50/10 coverage limits. It also won’t pay for your car’s damage or medical expenses when you’re at fault or when you’re hit by an underinsured driver. Try balancing higher liability and adding more coverage as your budget allows.

CompanyDirect premiums written (billions)Market share
State Farm$170,79622.0%
Progressive$105,91813.7%
Liberty Mutual$96,15112.4%
Farmers$65,8728.5%
USAA$58,0647.5%
Geico$45,7555.9%
Mountain West Farm Bureau$42,2605.5%
Allstate$30,7364.0%
Travelers$30,2103.9%
QBE$23,7403.1%

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.

Car insurance quotes in Billings

CompanyAnnual car insurance rate
Allstate$922
21st Century$929
Farmers$424
Metromile$811
Geico$638

Car insurance quotes in Kalispell

CompanyAnnual car insurance rate
Allstate$852
21st Century$857
Farmers$440
Metromile$754
Geico$543

Car insurance quotes in Billings

CompanyAnnual car insurance rate
Allstate$922
21st Century$932
Farmers$424
Metromile$754
Geico$638

Car insurance quotes in Great Falls

CompanyAnnual car insurance rate
Allstate$927
21st Century$844
Farmers$434
Metromile$800
Geico$558

Car insurance quotes in Butte

CompanyAnnual car insurance rate
Allstate$739
21st Century$811
Farmers$454
Metromile$805
Geico$592

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

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