Compare car insurance in Montana

Most popular Montana auto insurance companies list

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.

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.