Low-cost car insurance in Montana

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Drivers in Montana can find the cheapest average premium with State Farm, at $1,914 per year. By comparison, the statewide average monthly cost is $212. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Montana requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $20,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Montana, depending on your situation.

Key Takeaways

State Farm has the cheapest average premium in Montana, coming in at $1,914 per year – about $627 compared to the state average.
For drivers with an at-fault accident on their record, State Farm offers the lowest rates, with annual costs averaging $2,137.
The 59803 ZIP code is the least expensive area in Montana for car insurance, with an average yearly premium of $2,164.

Low-cost car insurance companies in Montana

Among all insurers in Montana, State Farm comes in lowest at $1,914 per year – $627 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Montana.

Company	Average annual rates
State Farm	$1,914
Nationwide	$2,180
Kemper	$2,692
GEICO	$2,821
Farmers	$2,984
Progressive	$3,101
Allstate	$3,322
USAA*	$1,276

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Montana

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Montana

In Montana, drivers living in the 59803 ZIP code enjoy the lowest average annual premium at $2,164. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
59803	Missoula	$2,164
59808	Missoula	$2,167
59802	Missoula	$2,175
59804	Orchard Homes	$2,182
59851	Milltown	$2,182
59801	Missoula	$2,182
59812	Missoula	$2,188
59602	Helena Valley West Central	$2,190
59636	Fort Harrison	$2,198
59635	Helena Valley Southeast	$2,212

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Auto 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 city

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Low-cost car insurance in Montana by age

Teenagers pay significantly more for car insurance than adults in Montana. For instance, a 16-year-old driver pays $7,057 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Montana.

Age group	Full coverage annual premiums
Teens (16-19)	$7,618
Young Adults (20-24)	$3,953
Adults (25-60)	$2,509
Seniors (65-75)	$2,439

Low-cost car insurance in Montana by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Montana

Just one speeding ticket in Montana can raise your rates by 38% – $973 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,914	$2,019	5%	$105
GEICO	$2,821	$3,123	11%	$303
Kemper	$2,692	$3,239	20%	$547
Allstate	$3,322	$3,705	12%	$383
Progressive	$3,101	$4,017	30%	$917
Farmers	$2,984	$4,986	67%	$2,002
USAA*	$1,276	$1,676	31%	$400

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Montana

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. State Farm is the lowest-cost option for these drivers, with an average annual premium of $2,137.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
State Farm	$1,914	$2,137	12%	$223
Kemper	$2,692	$3,947	47%	$1,255
Farmers	$2,984	$4,126	38%	$1,142
GEICO	$2,821	$4,143	47%	$1,323
Progressive	$3,101	$4,699	52%	$1,598
Allstate	$3,322	$4,929	48%	$1,607
USAA*	$1,276	$1,723	35%	$447

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Montana

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Montana keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$1,914	$2,019	$105	5%
Kemper	$2,692	$2,823	$131	5%
Progressive	$3,101	$3,492	$391	13%
Allstate	$3,322	$4,491	$1,168	35%
Farmers	$2,984	$5,474	$2,490	83%
GEICO	$2,821	$7,692	$4,872	173%
USAA*	$1,276	$2,491	$1,215	95%

*USAA is only available to military community members and their families.

Average cost of car insurance Montana

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Montana is $28 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Montana, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

When 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.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Montana.

Methodology

Insure.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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.