Cheapest Car Insurance in Montana (November 2025)

Montana drivers enjoy below-average insurance costs, with full coverage running $112 monthly and minimum coverage at $44 per month. These rates sit 8% and 23% below national averages respectively. Montana ranks 24th nationally for full coverage affordability and 15th for minimum coverage costs.

State Farm offers the cheapest rates for both full and minimum coverage while leading in most major cities statewide. Skipping full coverage means you'll pay for your own repairs if you cause an accident, so compare rates to find protection that works for your budget. MoneyGeek ranked Montana's top insurers by evaluating pricing, customer satisfaction and coverage features, with State Farm claiming the top spot.

State Farm delivers the most affordable full coverage at $85 monthly or $1,020 annually. Other budget-friendly options include GEICO at $1,271 per year, followed by Nationwide ($1,360 annually), Kemper ($1,494 yearly) and Farmers ($1,714 per year). Montana residents have multiple cheap full coverage options for protection as of November 2025.

Montana drivers can secure minimum coverage car insurance from State Farm for just $19 monthly or $232 annually, making it the most affordable option in Montana. But Montana drivers can choose from several well-known carriers offering cheap liability-only coverage.

Following State Farm, Geico charges $30 per month, while Farmers comes in at $47 monthly, Kemper at $58 and Nationwide rounds out the top 5 at $58 monthly. These options give Montana residents solid alternatives for meeting state requirements without breaking their budgets.

Montana mandates minimum liability insurance of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage (25/50/20). 

These requirements help keep baseline premiums affordable but could leave drivers financially vulnerable during severe collisions. The state does experience harsh winter conditions and increased accident risks on icy mountain roads.

State Farm offers the lowest minimum coverage premiums in all 10 of Montana’s largest cities analyzed. Its pricing leads every market in the state based on MoneyGeek’s 2025 rate review.

Minimum coverage costs across Montana’s major cities range from $17 to $24 per month. Helena and Helena Valley Southeast share the lowest monthly rate at $17 through State Farm, while Billings sees the highest at $24. Most mid-sized cities fall between $18 and $22, creating a consistently low-cost landscape for drivers statewide.

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Young drivers ages 16 to 25 in Montana have high insurance costs, but choosing State Farm can provide savings. State Farm offers the most affordable full coverage at $150 monthly, which comes in 47% below the state average for this age group. Allstate ranks second at $241 per month, while Nationwide follows closely at $246 monthly.

Adults between 26 and 64 will find State Farm delivers the best value at $80 per month for comprehensive coverage. Geico provides competitive rates at $102 monthly, and Nationwide rounds out the top three at $112 per month for full protection.

Senior drivers ages 65 and older benefit most from State Farm's coverage at $86 monthly, saving 43% compared to Montana's average for older drivers. Nationwide secures second place at $120 per month, with Kemper offering coverage at $130 monthly for comprehensive protection.

Driving violations and credit issues can increase insurance premiums in Montana. A clean record keeps costs low, but infractions like speeding, at-fault accidents, texting behind the wheel or DUIs push rates higher. 

Your credit score matters too. State Farm provides the best rates for most high-risk categories, while Kemper takes the lead for bad credit situations.

• Cheapest With a Texting While Driving Violation: State Farm ($84 per month)
• Cheapest With a Speeding Ticket: State Farm ($84 per month)
• Cheapest With an At-Fault Accident: State Farm ($88 per month)
• Cheapest for Bad Credit: Kemper ($206 per month)
• Cheapest With a DUI: State Farm ($84 per month)

Compare rates from both national and local insurers to find the lowest prices. Regional carriers often undercut larger brands in Montana's rural and mid-sized markets. Bundling home and auto, improving your credit score and qualifying for safe-driver discounts can also bring premiums down.

Opting for minimum coverage is another way to save, but it comes with clear trade-offs. Montana's 25/50/20 liability requirements meet state law but leave you with limited protection if you cause a serious crash. Without collision coverage, you'll pay for your own vehicle repairs. Comprehensive coverage helps with theft, weather damage and vandalism. These are risks Montana drivers know well, especially in a state that frequently ranks among the top 15 for auto theft.

In 2023, the average bodily injury claim nationwide was about $22,734, which nearly reaches Montana's $25,000 per-person liability minimum. If your budget allows, consider raising your coverage to avoid paying out of pocket after a major accident.

State Farm provides Montana's most affordable car insurance rates across different driver types and coverage levels. Don't let low prices be your only deciding factor; invest in adequate protection to safeguard your financial security during accidents.

Our insurance experts address frequently asked questions about securing affordable car insurance in Big Sky Country.

Montana drivers juggle high traffic volume in Billings, weather risks and rates that run 8% below the national average for full coverage. We compared rates across Montana's metro areas, suburbs and rural communities to find the best value.

Our Research Approach

We obtained quotes from 12 insurers across every Montana ZIP code, utilizing data from the Montana Commissioner of Securities and Insurance's Insurance Division and Quadrant Information Services. The numbers tell the story: rural drivers pay far less than Billings commuters stuck on Interstate 90, and our statewide sweep catches all those pricing differences. Our analysis included more than 200 million rate comparisons to identify consistent patterns in pricing and coverage availability.

We started with a baseline driver profile that represents Montana's median demographic:  

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

This profile serves as our control group. We then adjusted specific variables (age, driving violations, credit score) to analyze how Montana insurers price risk for different driver types. This approach reveals which companies specialize in certain demographics and which maintain competitive rates across all profiles.   

Coverage Levels We Compared

Montana requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $20,000 per accident for property damage. We used these exact limits for minimum coverage comparisons since that's what most budget-conscious Montana drivers carry.

For full coverage analysis, we used higher liability limits that better protect Montana drivers in serious accidents:  

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Most insurance agents in Montana push these higher limits once you mention Billings traffic. Three-car pileups on Interstate 90 eat through that state minimum fast. Go with the $1,000 deductible to cut your monthly bill, just make sure you've got a grand stashed away.