Compare Cheap Auto Insurance in Montana

USAA, which is available to drivers who are affiliated with the military, offers the cheapest full coverage premiums in Montana at $1,263 per year on average. State Farm is the cheapest company without any eligibility requirements at $1,314 per year, which is 43% below the state average.

USAA also has the best minimum coverage rates in Montana at $223 annually, or less than $20 per month. State Farm and GEICO have the next cheapest annual rates at $248 and $382, respectively — both also under the state average of $563.

Montana households with teens can find affordable auto insurance rates from State Farm at $3,259 — about 48 percent cheaper than the state average. For eligible drivers, USAA has the next lowest rates at $3,797 per year on average.

Drivers with a speeding ticket in Montana can find the cheapest average rates from USAA at $1,451 annually and State Farm at $1,771 annually.

State Farm also offers the best rates for drivers with an at-fault accident in Montana at $1,423 per year on average, which is 53 percent cheaper than the state average. Drivers affiliated with the military can also find affordable rates from USAA, which has an average annual premium of $1,544.

State Farm offers the cheapest rates, on average, for Montana drivers with a DUI. The company’s average annual premium of $1,679 is 52 percent below the state average. USAA and Progressive also have affordable rates, averaging $2,146 and $2,539 annually, respectively.

USAA has the lowest average rates for eligible drivers in Montana at $2,314 — 40 percent below the state average. GEICO and Progressive offer the best rates for non-military drivers at $2,740 per year and $3,481 per year, respectively.

In addition to having some of the cheapest auto insurance rates in Montana, State Farm also ranks higher than most competitors when it comes to customer satisfaction. You should always get quotes from several companies, as a different one may be cheapest for you, but it’s worth taking customer satisfaction ratings into account as well. USAA also has a strong customer service record for those eligible.

1. Compare rates: It’s a good idea to get a quote from at least three different companies when looking for a new auto insurance policy, since rates can vary greatly from one provider to another. The cheapest for you may differ from the average.
2. Keep your record clean: Drive safely and do your best to keep violations off your record to maintain low rates — speeding tickets, DUIs, etc., will all cause your premium to increase.
3. Bundle policies: Most insurers offer a discount — sometimes up to 25% — for purchasing more than one type of policy, including home or renters insurance. Depending on the provider, you may be able to bundle other policies, such as pet and motorcycle insurance.
4. Lower your coverage: As long as you have limits above Montana’s minimum coverage requirements, you can lower them if you wish. However, be aware that this leaves you at risk of significant out-of-pocket costs in the event of a claim. Make sure to weigh your situation and needs before deciding to lower your coverage.

The cost of car insurance in Montana varies depending on where you live. Billings is the city with the most expensive car insurance in Montana at $2,390 per year on average. Meanwhile, the less populated city of Missoula has lower average rates at $2,048 per year.

By law, Montana drivers must have an auto insurance policy that meets at least the following minimum requirements:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident

These liability limits only cover injuries and damage you cause to others in an accident, and will not pay for damage to your own vehicle. To add this to your policy, you’ll need full coverage, which includes comprehensive and collision coverages. It’s also a good idea to get more than the minimum liability limits if you can afford to for more robust financial protection.

We analyze average auto insurance premiums in Montana for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit, and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible