Montana
Car insurance quick facts
25/50/20
Minimum liability requirements
$1,200
Average annual car insurance cost
30
Days to update your license
At-fault state
In at fault states, the driver who caused the accident pays for damages.
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Montana auto insurance companies
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.
Cheapest car insurance in Montana
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.
Car insurance quotes in Billings
| Company | Annual car insurance rate |
|---|---|
| Allstate | $922 |
| 21st Century | $929 |
| Farmers | $424 |
| Metromile | $811 |
| Geico | $638 |
Car insurance quotes in Kalispell
| Company | Annual car insurance rate |
|---|---|
| Allstate | $852 |
| 21st Century | $857 |
| Farmers | $440 |
| Metromile | $754 |
| Geico | $543 |
Car insurance quotes in Billings
| Company | Annual car insurance rate |
|---|---|
| Allstate | $922 |
| 21st Century | $932 |
| Farmers | $424 |
| Metromile | $754 |
| Geico | $638 |
Car insurance quotes in Great Falls
| Company | Annual car insurance rate |
|---|---|
| Allstate | $927 |
| 21st Century | $844 |
| Farmers | $434 |
| Metromile | $800 |
| Geico | $558 |
Car insurance quotes in Butte
| Company | Annual car insurance rate |
|---|---|
| Allstate | $739 |
| 21st Century | $811 |
| Farmers | $454 |
| Metromile | $805 |
| Geico | $592 |
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.
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Common questions about Montana auto insurance
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