The Best Auto Insurance in Montana of 2026

Why we chose it

Exclusive to military members, veterans, and their families, USAA offers the cheapest rates on average in Montana at $105/month for full coverage and $19/month for minimum coverage. That’s about 46 percent less than the state average for full coverage and 60 percent less for minimum.

Although USAA is technically ineligible for inclusion in J.D. Power’s Auto Insurance rankings due to its eligibility requirements, it consistently earns top marks for both claims satisfaction nationwide and overall customer satisfaction in the Northwest region (which includes Montana)

Designed for military members and their families, USAA offers perks you won’t find elsewhere, like discounts for vehicles garaged on base.

Who it’s best for

USAA is best for eligible members (which includes children, grandchildren, and spouses of military members and veterans) who value cheap rates, top-notch customer service, and exceptional claims handling.

It’s also a strong option for safe drivers who may be interested in enrolling in SafePilot, USAA’s telematics program that uses a smart phone app to track driving habits. Members can receive up to 10 percent off just for enrolling and up to 30 percent off at renewal for demonstrating safe driving behavior.

USAA Montana Pricing

Why we chose it

State Farm is an excellent all-around choice for Montana drivers. It ranked #1 in the Northwest region for overall customer satisfaction in J.D. Power’s Automobile Study and scored above average for claims satisfaction nationwide.

State Farm offers some of the cheapest rates in Montana (second only to USAA) for both minimum and full coverage. On average, its full coverage rates are 43 percent lower than the national average, and minimum coverage rates are 55 percent lower.

State Farm also offers discounts for insuring multiple vehicles, for good driving, and bundling home and auto coverage.

Who it’s best for

State Farm is ideal for Montana drivers who want affordable rates, paired with strong, personalized service from local agents. State Farm also stands out for offering some of the cheapest rates on average for higher risk drivers, including those with a speeding ticket, accident, or DUI on their record. Additionally, it offers the cheapest MT rates on average for teen drivers, making it a strong option for families.

State Farm Montana Pricing

Why we chose it

GEICO offers competitive rates for minimum coverage in MT, averaging 32 percent less than the state average. Full coverage rates are only about 3 percent lower, but GEICO makes up for that with its wide range of discounts.

In J.D. Power’s studies, GEICO ranked #3 for overall customer satisfaction in the Northwest region, but scored below average nationally for claims satisfaction.

The company stands out for its strong digital tools and user-friendly mobile app, which is a big plus if you prefer to handle everything online, though it may be less ideal if you’re looking for personalized help via a local agent.

Who it’s best for

GEICO is a good fit for Montana drivers who prefer managing their insurance online. It also offers some of the cheapest rates in Montana for drivers with low credit (second only to USAA).

Federal employees, military members, National Guard members, students away at school, and drivers with a new vehicle should also consider getting a quote from GEICO, since they offer discounts tailored to each of these groups.

GEICO Montana Pricing

Why we chose it

While Progressive isn’t the cheapest option in Montana and doesn’t score as highly on third-party metrics for customer or claims satisfaction, it stands out for its flexible coverage options and unique add-ons. Drivers can customize their policies with features like gap insurance, accident forgiveness, custom parts and equipment coverage, and a disappearing deductible. They can also qualify for discounts for being a good student, homeowner, signing documents online, or enrolling in automatic payments.

Progressive also offers a usage-based program called Snapshot, which tracks driving behaviors, like hard braking, acceleration, and phone use. Drivers can earn a discount just for enrolling and up to 20 percent off for safe driving. However, because poor driving data can raise your rates, Snapshot is best for consistently safe drivers, especially those who don’t drive in heavy, stop-and-go traffic.

Who it’s best for

Progressive is a strong option in Montana for rideshare drivers and those seeking gap insurance. Progressive is also a good fit for drivers who want to insure modifications they’ve made to their vehicles (like custom wheels or aftermarket sounds systems).

The company also has cheaper-than-average rates for drivers with DUIs, along with USAA and State Farm.

Progressive Montana Pricing

Why we chose it

Although pricing data is unavailable for The Hartford in Montana, the company offers a 10 percent discount for AARP members who are 50 years old and older, which can help make coverage more affordable for senior drivers.

The Hartford ranked #2 in J.D. Power’s Study for overall customer satisfaction in the Northwest region and scored 16 points above the national average for claims satisfaction, making it one of the best insurance options for seniors.

The Hartford also offers several valuable coverage features, including Accident Forgiveness, Disappearing Deductible, New Car Replacement, and a Lifetime Repair Promise, which guarantees repairs made at authorized body shops for as long as you own the vehicle.

Who it’s best for

The Hartford is best for AARP members, age 50 and older, who value dependable, customizable coverage, along with great customer service. It’s a great option for Montana seniors who want to maximize savings through discounts such as paying in full, bundling policies, paying on time, completing a defensive driver course (up to 5 percent off), and starting a quote online (up to 8 percent off).