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Updated November 30, 2022
Montana is in the top 35% most-expensive states for car insurance, according to our data. Drivers only pay slightly more than the national average of $233 per month, with a state average rate of $241 per month.
Spanning more than 147,000 square miles, Montana is the fourth-largest state in the nation. But it ranks 43rd for population density, with around 1,104,000 people in the state. To find affordable car insurance in the Treasure State, you should compare quotes from multiple auto insurance providers that align with your coverage needs.
The average cost of car insurance in Montana is $241/mo.
Travelers is the cheapest provider in Montana, with average rates of $115/mo.
The easiest way to cut car insurance costs is to compare quotes online.
Table of contents
- Best cheap car insurance in Montana: Travelers
- Minimum car insurance requirements in Montana
- Tips for getting cheap car insurance in Montana
- Liability-only vs. full-coverage insurance in Montana
- How your driving history affects Montana car insurance rates
- How credit scores affect Montana car insurance quotes
- How your city affects Montana insurance quotes
- How your age affects your Montana car insurance rates
- Montana car insurance FAQs
Best cheap car insurance in Montana: Travelers
Best Cheap Car Insurance in Montana
Drivers in Montana pay an average monthly premium of $241, but rates vary widely across car insurance companies. For example, average monthly rates start as low as $115 with Travelers and go up to $235 per month with Progressive. Auto insurers use different methodologies when calculating auto insurance premiums, but check out average quotes from top insurers below.
|Car Insurance Company||Insurify Composite Score||Average Monthly Quote|
|Midvale Home & Auto||N/A||$149|
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
Minimum car insurance requirements in Montana
All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Montana are:
$25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$50,000 per accident for uninsured/underinsured motorists: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they don’t want it.
Montana DMV information
The Montana Department of Motor Vehicles is a state government agency that handles driving regulations. On the DMV website, Montana drivers can check the status of their license, renew vehicle registration, look up vehicle records, determine required documents for in-person appointments, and more. Physical locations are spread throughout the state.
Public transportation in Montana
Public transportation in Montana is limited but includes passenger trains, planes, buses, and vans. Specialized services and agencies are available for seniors and people with disabilities. Amtrak is the passenger train service, and numerous international and smaller airports operate within the state.
Tips for getting cheap car insurance in Montana
Insurance companies look at a lot of information, such as your age and credit history, when determining your premiums. Each insurance company looks at these risk variables slightly differently, so shopping around to compare car insurance quotes is a good strategy for finding a good deal. Compare quotes from multiple insurers quickly to find the right insurance policy.
You can also take other steps to reduce car insurance costs, including:
Seek discounts, such as good driver or good student discounts.
Bundle your homeowners or renters insurance with your car insurance.
Maintain a good credit score.
Liability-only vs. full-coverage insurance in Montana
If you live in Montana, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:
You have a low-value vehicle.
You can afford to repair or replace your car out of your own pocket.
Getting the cheapest insurance possible is your top priority.
For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.
You may also opt for full coverage if:
You have a high-value vehicle.
You wouldn’t be able to afford to repair or replace your car out of pocket.
Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.
Here’s a look at the cheapest auto insurance in Montana by policy type.
|Car Insurance Company||Average Monthly Quote: Liability||Average Monthly Quote: Full Coverage|
|Midvale Home & Auto||$77||$149|
How your driving history affects Montana car insurance rates
Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Montana. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.
Here’s a look at average monthly quotes for the cheapest car insurance in Montana based on driving and accident history.
See More: High-Risk Car Insurance Montana
|Car Insurance Company||Clean Record||At-Fault Accident||With a DUI||Speeding Ticket|
|Midvale Home & Auto||$143||$207||$291||$286|
See More: DUI Car Insurance Montana
SR-22 insurance in Montana
If your driver’s license was suspended after a DUI or another serious reckless driving incident, you’ll need to file proof of insurance before legally driving your vehicle again. You can accomplish this by filing an SR-22 form through your auto insurance company with Montana’s Department of Motor Vehicles.
How credit scores affect Montana car insurance quotes
Insurance companies in Montana can take your credit score into account when determining rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.
|Credit Tier||Average Monthly Quote|
How your city affects Montana insurance quotes
Car insurance premiums vary based on where you live in the state, and drivers in urban areas generally pay more than rural drivers. The difference comes down to factors like population density, crime rates, and more. In Montana, drivers will find the highest rates in the relatively small areas of Laurel and Anaconda. Drivers in Missoula and Butte have below-average rates.
How your age affects your Montana car insurance rates
Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.
The following table gives a high-level view of how age can affect insurance rates.
Quotes for young drivers
Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.
The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Like in most other states, teenagers and drivers under 25 pay the highest rates by age group in Montana because auto insurers account for less driving experience. Still, both Nationwide and Travelers offer a low monthly average rate of just $136 for full-coverage car insurance.
|Car Insurance Company||Full Coverage||With a DUI|
|Midvale Home & Auto||$179||$334|
Quotes for middle-aged drivers
The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. On average, middle-aged drivers in Montana spend between $123 and $209 per month. With an average premium of $96 per month, Travelers provides the cheapest option for full-coverage car insurance.
|Car Insurance Company||Liability Only||Full Coverage||With Accident||With DUI|
|Midvale Home & Auto||$64||$124||$94||$127|
Quotes for senior drivers
Different insurance factors affect average monthly rates for drivers 59 and older. Senior drivers in Montana tend to find lower rates in their 60s and 70s than in their 80s and people who choose full coverage. Depending on varying financial situations, drivers in this age group save by choosing liability-only insurance over a full-coverage policy. And drivers with clean records pay less for coverage than those with an accident or DUI in their driving history.
Montana car insurance FAQs
Offering a monthly quote of just $115 for full-coverage car insurance, Travelers presents Montana drivers with the cheapest car insurance option in the state. Other top providers offering the cheapest quotes include Nationwide with $134 per month and State Farm with $183. A smaller auto insurer with a low monthly rate of $117 per month is Foremost Signature.
To find the best rate for your specific insurance needs and driving history, compare quotes from multiple auto insurers. Some auto insurers will work better than others, so shopping around is crucial. Notably, the cheapest auto insurer for middle-aged and senior drivers at varying coverage levels and driving histories is Safeco.
Montana ranks in the top 50% of safest states, but around 17% of drivers in the state have a driving incident on their record. Notably, the state ranks 9th in number of drivers with a DUI and 18th in number of drivers with speeding tickets on their driving record. Auto insurers may view the frequency of these incidents as a reason to increase rates statewide.
Location-based factors in Montana influence rates, including weather and climate, population density, crime rates, and more. Specifically, Montana recently experienced historic flooding that devastated areas in Stillwater, Carbon, and Park counties. Unprecedented events like this, along with more typical flooding, likely increase rates statewide to account for risk levels.
On average, Montana drivers spend $241 per month on auto insurance, slightly exceeding the national average of $233 per month. The state ranks as the 17th most-expensive state for purchasing car insurance in the country. The average car insurance premiums in nearby states of Idaho, North Dakota, South Dakota, and Wyoming are more affordable than in Montana.
On top of statewide factors related to weather and population density, individual insurance rates ultimately fluctuate based on driving records, credit history, age, vehicle type, and coverage level. In the industry, rates have been trending upwards across multiple car insurance providers due to increased costs of repairs and replacements and supply chain issues.
The best car insurance company by Insurify Composite Score (ICS) in Montana is Nationwide, with an ICS score of 89 and a monthly average quote of $134. Our data scientists calculate ICS ratings using industry and financial ratings, as well as customer and claims satisfaction ratings. Nationwide scored an A+ from A.M. Best and an A+ from Standard & Poor’s.
The other two best car insurance companies available in Montana are State Farm and USAA. With an ICS rating of 88 and an average monthly quote of $183, State Farm earned an A++ from A.M. Best and an AA from Standard & Poor’s. USAA, which scored an 96 ICS rating, an A++ from A.M. Best, and an AA+ from Standard & Poor’s, has an average monthly rate of $164.
No, you don’t need personal injury protection (PIP) coverage in Montana to remain in compliance with state law. MedPay, or medical payments coverage, is also not required for Montana drivers. The only required coverage in the state includes bodily injury liability, property damage liability, and underinsured/uninsured motorist coverage.
Living in an at-fault state, Montana drivers who cause an auto collision must take on the financial responsibility for any of the expenses resulting from the accident. This responsibility makes selecting the right amount of coverage for your insurance needs important.
Yes, Montana drivers must purchase the state’s minimum required car insurance. Specifically, drivers need to purchase the following:
$25,000 per person and $50,000 per accident for bodily injury liability
$20,000 per accident for property damage liability
$50,000 per accident for uninsured/underinsured motorists coverage
Per-person property damage liability isn’t required. Bodily injury liability insurance covers medical bills for other parties injured in an accident in which you were at fault. Similarly, property damage liability covers the costs of vehicle damage and other repairs. Uninsured and underinsured motorist coverage protects you if you have an accident with an uninsured motorist.
As with most other states, Montana car insurance follows the car rather than the insured driver. This means that if someone borrows your car and crashes it, your vehicle coverage will kick in to cover any applicable costs. The insurance coverage of the borrower will kick in as secondary coverage if and when needed to cover the costs of the car accident.
Unless the driver borrowing your vehicle doesn’t have a driver’s license, your auto insurance company shouldn’t object to providing applicable coverage. As a rule, don’t allow unlicensed drivers to borrow your vehicle.
Full-coverage car insurance extends coverage beyond Montana’s minimum-required car insurance that covers costs of property damage and bodily injury you may cause other parties in an accident. A full-coverage policy also includes collision and comprehensive coverage, and additional insurance extensions exist for you to choose from, depending on your insurer.
Collision coverage protects you and your vehicle in the event of an auto accident, and comprehensive coverage deals specifically with theft, vandalism, and natural disasters. Not everyone needs a full-coverage policy, especially considering the increased cost. Drivers with inexpensive vehicles may stick with less coverage.
How Montana Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Montana below:
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Montana drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Montana
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Montana is the #34 state in the country for drivers with an at-fault accident on their driving record.
- Rank among states: #34
- Percent of drivers in Montana with an accident: 7.9%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Montana is the #13 state in the country for drivers with a prior drunk driving conviction.
- Rank among states: #13
- Percent of drivers in Montana with a DUI: 1.9%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Montana is the #9 state in the country for drivers with a reckless driving offense on record.
- Rank among states: #9
- Percent of drivers in Montana with a reckless driving offense: 1.9%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Montana is the #8 state in the country for drivers with a rude driving violation on record.
- Rank among states: #8
- Percent of drivers in Montana with a rude driving violation: 2.1%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Montana is the #32 state in the country for drivers with a speeding ticket on record.
- Rank among states: #32
- Percent of drivers in Montana with a speeding ticket: 7.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Montana is the #6 state in the country for drivers with a failure to yield violation on record.
- Rank among states: #6
- Percent of drivers in Montana with a failure to yield violation: 0.3%
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- Montana Department of Commerce. "Population U.S. Census Bureau - Population Estimates Program." Accessed November 17, 2022
- Montana Department of Justice. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
- Montana Department of Justice. "DRIVER SERVICES." Accessed August 30, 2022
- Montana Department of Transportation. "Public Transportation." Accessed August 30, 2022
- Legislative Audit Division State of Montana. "Compliance With Montana's Mandatory Motor Vehicle Liability Insurance Law." Accessed August 30, 2022
- Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed September 2, 2022
- Montana State Legislature. "Montana Code Annotated 2021." Accessed August 30, 2022