Cheapest Car Insurance in Montana

State Farm offers the most affordable minimum coverage at just $14 monthly or $164 annually, $278 less than the state average. Rates are based on December 2024 data from Quadrant Information Services. Read our research methodology to learn how we found the cheapest Montana car insurance.

State Farm is the cheapest car insurance company for most drivers in Montana, with an average monthly cost of $35 for minimum and full coverage policies. This rate is $32 less than the state average. Another affordable option is Farmers, averaging $59 monthly.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

State Farm offers the most affordable car insurance for most drivers in Montana. However, the best rate for you depends on your details. Below are the most affordable premiums for different driver profiles.

State Farm offers the cheapest minimum coverage in Montana at $14 monthly. GEICO, Farmers and Progressive are also affordable. The table below compares these options with the state average.

State Farm is the cheapest full coverage auto insurance provider in Montana, with rates averaging $57 per month ($688 annually) — $40 less than the state average. Check the table below for more options.

In Montana, State Farm offers the best auto insurance rates for young adults. A minimum coverage policy averages just $15 per month for 25-year-olds.

*To determine the cheapest provider, we used minimum coverage for a 25-year-old driver with good credit and no driving violations.

State Farm offers the cheapest auto insurance for young drivers in Montana at $15 monthly for minimum coverage or $63 for full coverage. Rates vary based on factors like driving history, but these options are a solid starting point for budget-friendly insurance.

State Farm offers the most affordable auto insurance rates for seniors in Montana. The average policy costs $13 monthly for 65-year-olds seeking minimum coverage.

*To determine the cheapest provider, we used minimum coverage for a 65-year-old driver with good credit and no driving violations.

Senior drivers in Montana can find affordable rates with State Farm for most needs, including minimum and full coverage, as well as for drivers with DUIs, accidents, speeding tickets or bad credit. Rates may vary, so use the table below to guide your car insurance shopping.

Montana drivers with a DUI, at-fault accident or speeding ticket are considered high-risk and pay more for car insurance than those with a clean record. Rates vary by offense. Below are the best car insurance options for high-risk drivers.

State Farm offers the best rates for Wyoming drivers with DUIs, averaging $15 per month ($184 per year) for minimum coverage. The table below lists insurance providers and their average monthly premiums for drivers with DUIs.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $17 per month ($202 per year), State Farm is the cheapest company for drivers after an at-fault accident. The table below lists other affordable options. Rates are for minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

State Farm offers the cheapest insurance for Montana drivers with a speeding ticket, averaging $15 monthly. Check the table below to compare providers offering minimum coverage.

*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

State Farm is the cheapest car insurance provider for drivers with poor credit scores, offering rates as low as $30 monthly and $360 annually for minimum coverage. Review the table below for more options.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

For affordable home and auto insurance bundles in Montana, State Farm leads with an average annual premium of $3,055. Check the table below for more budget-friendly options.

*Rates are for a 40-year-old driver with good credit and no driving violations.

The average monthly cost of car insurance in Montana is $97 for full coverage and $37 for minimum coverage. Understanding these averages helps you gauge whether you're getting a fair deal for the coverage you need.

Montana ranks 36th for car insurance costs, so residents often pay less than in many other states. The state's wide-open spaces, fewer major disasters and lower car theft rate contribute to this affordability.

Montana law requires car insurance policies with at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $20,000 for property damage per accident.

Comprehensive and collision coverage may also be required if you finance or lease your vehicle. While minimum coverage is the cheapest option, it offers the least protection. For better financial security, experts recommend opting for full coverage with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can raise premiums. In Montana, you or your insurance company can submit the SR-22 form. It's valid for three years from your most recent offense. After cancellation, your insurer will notify you.

In Montana, a surety bond is the most common alternative to car insurance. A third party promises to pay for damage if you're at fault, meeting the state's minimum coverage requirements.

Business owners with a fleet of vehicles can choose self-insurance. This option requires proving to the state you have enough funds to cover accident claims.

MoneyGeek recommends full coverage car insurance, which includes liability, collision and comprehensive coverages. We suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage helps pay for damage to your car caused by theft, vandalism or natural disasters. Collision coverage covers damage from road accidents.

If your car is valuable, MoneyGeek suggests getting comprehensive and collision insurance, even if it isn't required by law. Choose your deductible for these coverages based on what you can afford before insurance covers the rest.

State Farm offers the cheapest car insurance in Montana, with rates starting at $14 for minimum coverage and $57 for full coverage. While saving money is important, the lowest cost might not provide enough financial protection. Get as much coverage as your budget allows.

We answer common questions about Montana's affordable car insurance to help you find the right plan for your needs.

MoneyGeek obtained auto insurance rates from the Montana Department of Insurance and Quadrant Information Services. We examined 11,976 auto insurance quotes from eight providers across 12 ZIP codes to determine the most affordable car insurance companies in Montana.

Montana Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Montana:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Montana

We compared car insurance companies in Montana that offer both minimum and full coverage policies. The minimum coverage liability limits in Montana are:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $20,000 in property damage liability per accident

For full coverage policy rates, we used the following liability limits:

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

Home and Auto Coverage Levels in Montana

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

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

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible