Non-owner car insurance in Montana: Which company has the cheapest rates?

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.

Non-owner auto insurance in Montana costs $326 per year, which is $81 less than the rest of the country on average, according to a rate analysis by Insure.com.

In Montana, non-owner policies are available from companies such as State Farm, Kemper and GEICO.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Montana.

How much does non-owner car insurance cost in Montana?

Insurance companies view non-owner policyholders as less of a risk due to their minimal access to a car, and therefore, it’s usually less expensive to buy non-owner insurance than full coverage auto insurance.

On average in the United States, it costs a driver with a clean driving record and good credit score $2,513 per year for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Montana, full coverage car insurance costs $2,541.

Alternatively, non-owner car insurance is $407 a year on average in the U.S. and $326 in Montana.

But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.

You might find interesting

Explore related topics

• Average car insurance cost in Montana
• Car insurance calculator for teens in Montana
• Cheapest SR-22 insurance in Montana
• Do you need insurance to register a car in Montana?
• How much is gap insurance in Montana
• Low-cost car insurance in Montana
• Montana car insurance calculator
• Montana car insurance: Rates, state minimum requirements and best companies
• The best, cheapest car insurance in Montana
• Best and cheapest companies for home and auto bundles in Montana

See more

Which insurer offers the cheapest non-owner insurance rates in Montana?

With an average annual cost of $131, State Farm non-owner insurance policy is Montana’s most affordable.

At $541 a year, Nationwide charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Montana.

Cheapest non-owner insurance rates in Montana

How much is non-owner car insurance in Montana by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Montana non-owner insurance costs $320 a year for a 45-year-old, while it’s $1,104 for a 16-year-old driver.

Average non-owner auto insurance rates in Montana by age and gender

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Which Montana cities have the cheapest non-owner auto insurance?

Rates differ from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

The tables below display the cities in Montana that have the least and most expensive non-owner auto insurance rates.

The 20 Montana cities with the lowest non-owner auto insurance rates

The 20 Montana cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Montana’s 10 biggest cities?

The largest cities in Montana have different non-owner insurance rates. The cost of non-owner insurance in Billings is the highest at $396. Havre has the least expensive rates of the largest cities in the state at $309.

Non-owner auto rates in Montana’s 10 largest cities

How non-owner insurance rates in Montana compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Montana is $326 a year, which is lower than the national average of $407.

Non-owner auto insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car insurance in Montana

Your driver’s license number and a credit or debit card are all you’ll need to get a non-owner insurance policy. To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Share your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Here are a few insurance companies with phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• GEICO: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033
• USAA: 800-531-8722

Methodology

Insure.com in 2025 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

|

 . .

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

Explore other insurance options in Montana

The best, cheapest car insurance in Montana

Average renters insurance cost in Montana

Average homeowners insurance cost in Montana