Find the Best Car Insurance Quotes and Options in Montana

The average cost of car insurance in Montana is $2,476 per year. With a national average annual car insurance cost of $1,311, car insurance in Montana costs quite a bit more than it does in many other states. However, your Montana car insurance rates will be more or less than average depending on where you live in the state and your other personal risk factors.

An independent insurance agent in Montana can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Montana. 

Best Car Insurance Companies in Montana

You can purchase car insurance in Montana from numerous insurance companies, but it can be hard to find which insurance company offers the best mix of coverage and value for your unique needs. We’ve selected some of the best car insurance companies in Montana to help you get started. 

  • Best Montana Car Insurance Company Overall: USAA 
  • Best Montana Car Insurance Company for Minimum Liability: Progressive
  • Best Montana Car Insurance Company for Full Coverage: Progressive
  • Best Montana Car Insurance Company for Young Drivers: Progressive
  • Best Montana Car Insurance Company for Accident History: Progressive

An independent insurance agent in Montana can help you determine if any of these companies have the right car insurance policy for your needs and budget.

Best Montana Car Insurance Company Overall: USAA


Our pick for the best overall car insurance company in Montana is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors. 

USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services. 

USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an "A++" rating from AM Best, the highest available.

Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage. 

Average Monthly Insurance Cost: Car Insurance PolicyAverage Annual Insurance Cost: Car Insurance Policy

Best Montana Car Insurance Company for Minimum Liability: Progressive

Progressive insurance logo

If you’re looking for minimum liability coverage, Progressive is a top choice for Montana residents. It is a good option for people who want a simple, no-frills policy. The company also offers numerous ways to save including a wide range of available discounts, such as multiple policy, good student, bundling, safe driving, pay-in-full, and paperless discounts. The company also ranks high for claims, user satisfaction, and financial stability. 

Montana drivers can purchase a minimum coverage policy from Progressive for around $16 per month, on average. 

Progressive Mutual Insurance Company was founded in 1937, when the company introduced the country’s first drive-in claims location. Progressive is based in Ohio, but offers car insurance across all 50 states, including Montana. Montana residents can look to Progressive for most of their personal insurance needs. 

Average Monthly Insurance Cost: Minimum LiabilityAverage Annual Insurance Cost: Minimum Liability

Best Montana Car Insurance Company for Full Coverage: Progressive

Progressive insurance logo

The best car insurance company in Montana for full coverage is Progressive. The insurance company offers full coverage policies with premiums around $33 per month. 

Progressive receives high marks for financial stability, with an "A+" (superior) rating from AM Best. Progressive offers standard options like comprehensive and collision coverage, as well as unique options like coverage for pet injuries. The company also touts its Name Your Price Tool which helps you find the best coverage options for your budget. 

Average Monthly Insurance Cost: Full Coverage PolicyAverage Annual Insurance Cost: Full Coverage Policy

Best Montana Car Insurance Company for Young Drivers: Progressive

Progressive insurance logo

Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, Progressive offers highly rated and affordable teen coverage in Montana.

Car insurance for teen drivers in Montana can cost around $292 per month with Progressive. The company also offers a good student discount so students with good grades can save on their car insurance. 

Average Monthly Insurance Cost: Families with Teen DriversAverage Annual Insurance Cost: Families with Teen Drivers

Best Montana Car Insurance Company for Accident History: Progressive

Progressive insurance logo

Your driving record is one of the most important factors in what you pay for car insurance in Montana. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.

Montana drivers may see their car insurance rates increase by around $495, on average, after an at-fault accident. In these cases, Progressive remains one of the top picks for offering quality, affordable coverage. If you’ve had an at-fault accident, you can get a car insurance policy from Progressive for about $56 per month. 

Average Monthly Insurance Cost: Drivers with Poor RecordsAverage Annual Insurance Cost: Drivers with Poor Records

Montana Car Insurance Requirements

Drivers in Montana must purchase a car insurance policy that meets the state's minimum coverage requirements. The following types of coverage are required by Montana state law:

  • Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Montana, you must have this coverage in the amount of $25,000 per person and $50,000 per accident, at a minimum.
  • Property damage liability coveragePays for any damage that you cause to the property of others (e.g., another’s driver’s car) and for your legal defense if you are sued. In Montana, you must have this coverage in the amount of at least $20,000 per accident.

Optional car insurance coverages in Montana include:

  • Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not. 
  • Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
  • Medical payments coverage: Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
  • Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
  • Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
  • Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
  • Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent in Montana will help you find a car insurance policy that includes the coverage you need.


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Average Cost of Car Insurance in Montana

The average cost of car insurance in Montana is $2,476 per year, which is considerably more than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. 

You may also be eligible for certain car insurance discounts that can help you save on your Montana car insurance. Be sure to take advantage of all the discounts that you qualify for. 

Average Montana Car Insurance Costs by City

The city you live in is one of the most important factors in what you’ll pay for car insurance in Montana. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at-risk you and your car are for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage). 

The most expensive car insurance in Montana is in Billings. Billings also has a higher auto theft rate than most other cities in the state. Conversely, Bozeman residents pay much less for car insurance, on average, in a city where the car theft rate is also much lower. The average annual insurance rate in Bozeman is $1,421. 

Finding Car Insurance Discounts in Montana

One of the best ways to save on car insurance in Montana is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the common auto insurance discounts offered in Montana include the following: 

  • Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away at school discounts for students who won’t be using their parents’ cars while they are away at school.  Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course. 
  • Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company. 
  • Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed. 
  • Military discountActive or retired members of the military can often qualify for auto insurance discounts. 
  • Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements. 
  • Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members. 

Your independent insurance agent in Montana can help you find all of the car insurance discounts that you qualify for. 

How to Find the Best Car Insurance Quote in Montana

Finding the best car insurance quote in Montana requires comparing several insurance companies and making an informed choice, but you don’t have to go it alone. An independent insurance agent in Montana can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process. 

How to File a Car Insurance Claim in Montana

Filing a car insurance claim in Montana is always going to be a little stressful. If you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim: 

  • Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured. 
  • Call the police: Filing a police report ensures that your accident is on the record and all appropriate information has been collected. That way, your insurance company will have a reliable source for information about the details of your accident. 
  • Contact your independent insurance agent: Your Montana independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process. 
  • Schedule an appointment with an adjuster: Your insurance company is likely to want to evaluate the damage before you seek repairs for your car. That means you’ll probably need to set up an appointment with an adjuster who works for your carrier.
  • Get repairs: If necessary, get your vehicle repaired by a reputable auto body shop or a shop recommended by your insurance company. 
  • Get a rental vehicle: If you’re without your car for a while as its being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car. 

An independent insurance agent in Montana can help you through the claims process and answer your questions about how best to file your claim. 

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Great Falls14.14.45$1,586
Miles City10.30.36$1,381

Popular Questions about Montana Car Insurance

The average cost of car insurance in Montana is $2,476 per year, or about $206 per month. 

Car insurance in Montana covers medical expenses and property damage costs that occur due to a car accident. If you’re at fault for an accident, your bodily injury liability and property damage liability coverage pay for the damage or injuries you inflict on other drivers or their passengers. 

You can cover some of your own losses with uninsured and underinsured motorist coveragecomprehensive coverage, and collision coverage

Montana’s car insurance laws require that all drivers must have the following minimum amount of insurance: 

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

About 9.9%of drivers in Montana are uninsured. Nationwide, the average is 13%, which is higher than you will find in Montana.

Clearly, not all drivers follow the mandatory car insurance rules in the state. That’s why you need uninsured motorist coverage to protect you when you’re involved in an accident and the at-fault driver does not have car insurance. 

Montana drivers have a lot of options for car insurance. Some of the best car insurance companies in Montana are USAA and Progressive. Other top companies in the state include NationwideSafeco, and Travelers

Car insurance in Montana usually follows the car, not the driver. Your bodily injury liability, personal injury liability, uninsured motorist, collision, and comprehensive coverage will apply if you lend your car to a friend who then causes an accident. 

If the person who borrowed your car causes damage that exceeds your coverage limits, their car insurance policy may act as secondary coverage, but only after your coverage limit has been reached. 

Montana follows a "fault" system for car insurance. This means that the person who is at fault for a car accident is financially responsible for compensating anyone else who is harmed as a result. Typically, the at-fault driver’s car insurance pays for the damages, up to the policy’s coverage limits.  

In order to get car insurance in Montana, you’ll need to supply some information to prospective carriers. Insurance companies may ask for the following information: 

  • Your name
  • Your driver's license number
  • Your date of birth
  • Your address
  • Your job title
  • How far you drive to work or school every day
  • Your marital status
  • The year, make, and model of your car
  • The number of cars and drivers in your household
  • Whether you own your home or rent

This information and more will help a carrier put together an accurate quote for coverage. An independent insurance agent can help you apply for car insurance in Montana. 

Low-income drivers in Montana do not have access to a reduced rate program for car insurance. Unfortunately, many of these people forgo state required car insurance if they can’t afford it. 

If you are a low-income driver in Montana, the best way to protect yourself, comply with the law, and stay within your budget is to purchase a minimum coverage policy from the insurance company of your choice. An independent insurance agent can help you find an affordable policy that offers minimal protection, at least. 

Car insurance is required for all drivers in Montana, but you can self-insure in certain cases. You may be able to self-insure your car by depositing cash or posting a bond with the state in the amount of $55,000, in lieu of insurance.

State laws can be complicated and self-insurance is definitely not the best option for most people. Be sure to understand all of the car insurance rules and regulations in Montana before choosing to attempt to self-insure. 

Do You Know What Your Car Insurance Covers in Montana?