Home Car insurance Car insurance rates by state Cheapest car insurance in Montana Cheapest car insurance in Montana In Montana, Nationwide offers the cheapest auto insurance rates at $1,394 annually. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Nationwide provides the cheapest car insurance in Montana at $1,394 a year. Your rates may vary, but the average premium is $183 per month in Montana, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in Montana, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $20,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Here’s a breakdown of the cheapest car insurance company in each category. Cheapest overall: Nationwide $1,394/year National avg. rate Cheapest for at-fault accident: State Farm $2,075/year Avg. rate after an at-fault accident Cheapest for speeding ticket: State Farm $1,960/year Avg. rate after speeding ticket Key Takeaways Nationwide has the cheapest car insurance in Montana, with an average annual cost of $1,394, which is 36% less than the state average.State Farm offers affordable car insurance at $2,075 per year to Montana drivers with a history of at-fault accidents.59803 is the cheapest ZIP code for auto insurance rates in Montana at $1,897 annually. Cheap car insurance companies in MontanaNationwide offers the cheapest car insurance in Montana, with an average price of $1,394 per year. It’s 36% less expensive than the average car insurance cost in Montana. The rates will vary based on factors such as your driving history, age, ZIP code, and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates for car insurance from the cheapest car insurance companies.CompanyAverage annual ratesNationwide$1,394State Farm$1,858GEICO$2,382Progressive$2,414Kemper$2,692Farmers$2,939Allstate$2,949USAA*$919 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Montana 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in MontanaThe cheapest ZIP code for car insurance in Montana is 59803, with an average annual cost of $1,897. Find below the most affordable ZIP codes for auto insurance rates in Montana.ZIP codeCityAverage annual rates59803Missoula$1,89759808Missoula$1,90359802Missoula$1,90859602Helena Valley West Central$1,91259801Missoula$1,91459804Orchard Homes$1,91659851Milltown$1,91659812Missoula$1,92059636Fort Harrison$1,92059635Helena Valley Southeast$1,932Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Montana by cityBillingsBozemanGreat FallsHelenaMissoulaCheapest car insurance in Montana by ageIn Montana, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $6,273 more for insurance than a 40-year-old driver.Below are the cheapest auto insurance rates for Montana drivers of different ages.Age groupFull coverage annual premiumsTeens (16-19)$6,808Young Adults (20-24)$3,539Adults (25-60)$2,173Seniors (65-75)$2,119 You might find interesting The best, cheapest car insurance in MontanaMontana car insurance calculatorNon-owner car insurance in Montana: Which company has the cheapest rates?Cheapest SR-22 insurance in MontanaBest and cheapest companies for home and auto bundles in Montana Cheapest car insurance in Montana by driver historyInsurers consider your driving history to be one of the most important factors in setting insurance rates. If you’re involved in an at-fault accident or convicted of a traffic violation, your premiums may increase. On the other hand, having a clean record makes you a low-risk driver and can lead to cheaper car insurance.Cheapest car insurance after a speeding ticket in MontanaHere are the top three companies offering affordable rates for car insurance after a speeding ticket.State Farm: $1,960 per yearGEICO: $2,638 per yearProgressive: $3,127 per yearInsure.com data shows that a single speeding ticket in Montana can result in a 38% or $840 increase in insurance rates.Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Montana, below are insurers that provide cheap rates after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,858$1,9605%$102GEICO$2,382$2,63811%$256Progressive$2,414$3,12730%$713Kemper$2,692$3,23920%$547Allstate$2,949$3,28811%$339Farmers$2,939$4,91167%$1,972USAA*$919$1,20831%$289 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in MontanaHere are the top three insurers that provide cheap car insurance rates following an accident.State Farm: $2,075 per yearGEICO: $3,499 per yearProgressive: $3,658 per yearState Farm offers the cheapest car insurance rates for drivers following an at-fault accident, with an average car insurance cost of $2,075 annually.If you’re found at fault, your insurance premiums may go up. However, you can still compare car insurance rates from different insurers to get the best deal.Below are the companies offering the most affordable car insurance for drivers with an accident on your driving record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,858$2,07512%$217GEICO$2,382$3,49947%$1,117Progressive$2,414$3,65852%$1,244Kemper$2,692$3,94647%$1,254Farmers$2,939$4,06438%$1,125Allstate$2,949$4,37548%$1,426USAA*$919$1,24135%$322 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in MontanaHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.State Farm: $1,960 per yearProgressive: $2,718 per yearKemper: $2,823 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,858$1,960$1025%Progressive$2,414$2,718$30413%Kemper$2,692$2,823$1315%Allstate$2,949$3,986$1,03735%Farmers$2,939$5,392$2,45383%GEICO$2,382$6,497$4,115173%USAA*$919$1,794$87595% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in MontanaFull coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Montana is $298 more than the national average.Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.What is full coverage car insurance in Montana?Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.In Montana, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in Montana.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Montana. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in MontanaHow we choose the cheapest car insurance companies in MontanaCheapest ZIP codes for car insurance in MontanaCheapest car insurance in Montana by ageCheapest car insurance in Montana by driver historyAverage car insurance cost in MontanaFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330