Cheapest car insurance in Montana

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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

Cheap car insurance companies in Montana

Nationwide 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.

*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 Montana

The 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.

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.

Cheapest car insurance in Montana by age

In 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.

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Cheapest car insurance in Montana by driver history

Insurers 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 Montana

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• State Farm: $1,960 per year
• GEICO: $2,638 per year
• Progressive: $3,127 per year

Insure.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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Montana

Here are the top three insurers that provide cheap car insurance rates following an accident.

• State Farm: $2,075 per year
• GEICO: $3,499 per year
• Progressive: $3,658 per year

State 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Montana

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• State Farm: $1,960 per year
• Progressive: $2,718 per year
• Kemper: $2,823 per year

A 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.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Montana

Full 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 thoughts

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.

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.

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

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

Shivani Gite

Contributing Writer

 

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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.