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Compare car insurance in Montana

Get the cheapest car insurance in Montana for 2020

Updated

Fact checked

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.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Montana auto insurance companies

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Farmers
15%
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
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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.

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

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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