120+ more*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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On average, liability-only coverage costs $62 per month in Montana, while full coverage is $120 per month.
Car insurance in Montana costs less than the national monthly averages of $99 for liability coverage and $173 for full coverage. Fewer drivers in the state contribute to its lower rates. And the Montana Insurance Verification System (MTIVS) checks for proof of insurance during traffic stops.
We looked at 120+ companies to help you find the best deals and lowest rates in Montana.
Driver Category | Cheapest Insurance Company in MT | Cheapest Monthly Quote in MT |
|---|---|---|
| Overall | State Farm | $34 |
| State-minimum coverage | State Farm | $34 |
| Full coverage | State Farm | $68 |
| Drivers with a clean record | State Farm | $34 |
| After a speeding ticket | State Farm | $42 |
| After an at-fault accident | State Farm | $45 |
| After a DUI | State Farm | $49 |
| Teen/new drivers | State Farm | $64 |
| Seniors | State Farm | $29 |
| Bad credit | USAA | $44 |
See quotes from top insurance companies in Montana
Montana’s minimum liability requirements are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage per accident.[1]
Many people in Montana choose minimum coverage because the state is rural, traffic is usually light, and car theft isn’t common. For many people, basic protection may feel like enough. But if you lease or finance your car, your lender will likely require full coverage to protect its investment.
Below, you’ll find the most affordable liability-only car insurance companies in Montana, along with their average monthly rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| USAA | $36 |
| Root | $60 |
| Direct Auto | $62 |
| Farmers | $62 |
| GEICO | $64 |
| Safeco | $66 |
| Allstate | $68 |
| Bristol West | $80 |
| The General | $86 |
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Anuj Desai
Digital Insurance Agent, Insurify
Montana drivers may feel like they only need liability coverage because their state has less traffic congestion. But if you cause an accident where damages exceed your policy limits, you’ll have to pay the difference out of pocket. A full-coverage policy can give drivers more financial protection and peace of mind.
Full-coverage insurance, which includes collision and comprehensive coverages, helps pay for your injuries or vehicle repairs if you cause an accident.
You may want to consider a full-coverage policy in Montana due to the high risk of animal collisions. Deer collisions are a major cause of accidents and insurance claims in the state, according to the Montana Department of Transportation, and full coverage helps protect you from expensive repairs after a deer strike.[2]
The following insurance companies offer the best rates for full-coverage car insurance in Montana.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| USAA | $74 |
| Direct Auto | $99 |
| Farmers | $125 |
| Root | $127 |
| GEICO | $130 |
| Safeco | $136 |
| Allstate | $137 |
| The General | $177 |
| Bristol West | $208 |
*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Montana’s open roads and unpredictable weather require insurance designed for local life. The best car insurance companies in Montana offer affordable policies that can cover everything from country drives to city trips. Here are our top picks for every type of driver.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $68/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has some of the cheapest rates in Montana. The insurer also has a strong network of local agents in Montana, with agents in almost every town from Billings to Kalispell. Local agents can be helpful if you need to file a claim for a common Montana hazard, like a hailstorm or deer collision.
But drivers in cities, young drivers, and people needing coverage for recreational vehicles might find lower rates with another insurer.
Strong network of local agents, even in small towns like Lewistown and Red Lodge
Reliable claims service, especially after hailstorms or wildlife collisions
User-friendly app, even for drivers in remote areas
Drivers in bigger cities like Billings might find cheaper rates elsewhere
Limited coverage for off-road vehicles
Fewer discounts for young or first-time drivers
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Montana has more than 85,000 veterans and more than 3,200 active-duty military members, so USAA’s focus on this group makes it a strong choice for the state’s military community. You can file claims online or through the USAA app, which is convenient whether you’re at Malmstrom Air Force Base or living in a rural area. But USAA isn’t available to the general public, so it won’t be an option for every Montana driver.
Excellent coverage for vehicles on rural roads
Reliable claims support, even in remote areas of the state
Flexible options for storing vehicles during deployment
Available only to military members, veterans, and their families
No physical offices in Montana
Limited Montana-specific insurance add-ons
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Farmers car insurance is our top choice for rural drivers in Montana, a state with more than 23,000 farms and ranches.[3] Local Farmers agents know the unique challenges of driving on rural roads, like frequent wildlife crossings and the risk of hailstorms. You can bundle your home and auto policies with Farmers, but you might pay higher premiums compared to other insurers.
Good coverage for vehicles used on farms, ranches, and rural roads
Local Montana agents know the risks of driving in rural areas
Generous discounts for bundling policies
Not the cheapest insurer in Montana
Not many discounts for low-mileage drivers
In-person help not always available
Montana car insurance costs have changed in recent years, Insurify’s Car Insurance Trends Report shows. The main reasons are higher repair costs, more severe weather, and an increase in wildlife collision claims. In 2025, average rates in Montana went up by about 6% compared to 2024.
Cities like Billings and Missoula saw some of the biggest jumps because of more accidents and growing populations. Insurify data scientists expect rates to level off in 2026 as insurance companies adapt.
Liability quotes start as low as $34/mo.
To drive in Montana, you need to have at least a minimum amount of liability insurance. Since Montana is an at-fault state, the driver who causes the accident has to pay for the damages.
Here are the minimum insurance requirements in Montana:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident
Montana doesn’t require drivers to have personal injury protection (PIP), collision, or comprehensive coverage. But you do need to meet the minimum insurance requirements to avoid penalties and fines.
If you live in Billings or Missoula, you’ll likely pay more for car insurance than people in Great Falls or Helena. The table below lists the average monthly car insurance costs in some of Montana’s biggest cities.
City | Average Monthly Quote |
|---|---|
| Billings | $109 |
| Bozeman | $102 |
| Great Falls | $109 |
| Helena | $92 |
| Missoula | $89 |
People with a clean driving record typically receive the best car insurance rates. Liability policies average $53 per month in Montana for this group.
You can often find lower rates in smaller towns or rural areas like Lewistown. The table below shows the cheapest car insurance rates for Montana drivers with good credit and a clean record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $31 |
| USAA | $33 |
| Direct Auto | $56 |
| Farmers | $56 |
| Root | $57 |
| GEICO | $60 |
| Allstate | $64 |
| Safeco | $67 |
| Bristol West | $74 |
| The General | $77 |
A speeding ticket in Montana may cost up to $500, depending on how many tickets you accumulate. But the bigger expense is often the increase in your insurance premiums. Only 4% of Montana drivers have a ticket, according to Insurify data.
Liability policies average $75 per month for Montana drivers with a speeding ticket.
These Montana insurers offer affordable rates for drivers with a ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $42 |
| USAA | $46 |
| Direct Auto | $76 |
| Farmers | $78 |
| Root | $79 |
| GEICO | $82 |
| Safeco | $86 |
| Allstate | $87 |
| Bristol West | $99 |
| The General | $113 |
Montana has more fatal traffic accidents than other states of similar size, mainly because the state’s rural highways and harsh weather make driving riskier. In 2024, Montana had a traffic fatality rate of 1.47 fatalities per 100 million vehicle miles of travel — the seventh-highest rate in the U.S., according to TRIP, a national transportation research non-profit.
Montana drivers with an accident pay a monthly average of $82 for a liability-only policy. Here are the insurance companies offering the lowest rates for Montana drivers who have an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| USAA | $48 |
| Root | $80 |
| Farmers | $82 |
| GEICO | $83 |
| Direct Auto | $84 |
| Allstate | $91 |
| Safeco | $92 |
| Bristol West | $105 |
| The General | $118 |
Roughly 1% of drivers in Montana have a DUI, according to Insurify data. This violation can raise your insurance rates for up to 10 years and may cost as much as $10,000 over that time. Montana car insurance coverage after a DUI averages $88 per month for a liability policy and $170 per month for a full-coverage policy.
The table below shows budget-friendly insurers for Montana drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $52 |
| Root | $87 |
| Direct Auto | $90 |
| Farmers | $90 |
| GEICO | $92 |
| Allstate | $99 |
| Safeco | $102 |
| Bristol West | $116 |
| The General | $125 |
In Montana, you’ll need to file an SR-22 for three years if your license is suspended or revoked because of a DUI, driving without insurance, or having too many points on your record.
Liability insurance for Montana drivers with an SR-22 requirement costs $75 per month.
The upside is that you have plenty of insurers to choose from, both standard and non-standard. Below are the most affordable companies for SR-22 insurance in Montana.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $41 |
| USAA | $44 |
| Root | $73 |
| Direct Auto | $75 |
| Farmers | $75 |
| GEICO | $77 |
| Safeco | $80 |
| Allstate | $82 |
| Bristol West | $97 |
| The General | $104 |
Liability insurance averages $74 per month for high-risk drivers
In Montana, teens can start driving with a learner’s permit at just 14 and a half years old. Montana uses a graduated driver’s license program that allows teens younger than 18 to develop their driving skills over several years.[4]
Because of the state’s wildlife crossings, rural roads, and snowy weather, it’s especially important for young drivers to have the right coverage.
Montana teens pay monthly averages of $105 for liability coverage and $203 for full coverage.
These insurers in Montana provide affordable coverage for teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $64 |
| USAA | $64 |
| Root | $100 |
| GEICO | $110 |
| Direct Auto | $115 |
| Farmers | $120 |
| Safeco | $129 |
| Allstate | $130 |
| Bristol West | $138 |
| The General | $145 |
About 20% of Montana’s residents are senior drivers.[5] They account for 17% of fatal crashes, according to National Highway Traffic Safety Administration data, which matches their share of the population. Because of this, coverage remains fairly affordable.
Seniors in Montana pay $61 per month, on average, for liability policies. The Montana insurers in the table below offer competitive rates for seniors.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $29 |
| USAA | $31 |
| Farmers | $53 |
| Root | $54 |
| Direct Auto | $54 |
| GEICO | $55 |
| Allstate | $59 |
| Safeco | $62 |
| Bristol West | $71 |
| The General | $78 |
The average credit score in Montana is 732, according to Experian data. Montana insurance companies can consider your credit-based insurance score when setting rates. But it can’t be the only factor they use to deny, cancel, or non-renew a policy.[6]
Car insurance costs more with bad credit, averaging $78 per month for a liability policy.
Here’s a look at the best companies for drivers in Montana with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $44 |
| State Farm | $49 |
| Root | $74 |
| Direct Auto | $76 |
| Farmers | $76 |
| GEICO | $79 |
| Safeco | $81 |
| Allstate | $84 |
| Bristol West | $99 |
| The General | $106 |
Car insurance costs in Montana are cheaper than the national average, and you can shop around to find even cheaper rates. The answers to the following questions can help you make sure you’re getting the best deal.
Montana law requires you to have at least $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability coverage per accident.
On average, car insurance in Montana costs $62 per month for liability insurance and $120 per month for full-coverage insurance. This makes it one of the more affordable states for coverage.
State Farm offers the lowest car insurance rates in Montana, with liability rates of $34 per month. This is lower than the state average.
No, Montana is an at-fault state. This means if you cause an accident, you’re responsible for paying for repairs and medical bills.
USAA, State Farm, and Farmers are among the top car insurance companies in Montana. These insurers offer low rates, provide reliable customer support, and have experience providing coverage in rural areas.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
Featured in
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
