Cheapest Car Insurance in Montana (2025)
Best cheap car insurance in Montana
Cheapest full-coverage car insurance in Montana: State Farm
While Geico’s average rate for full coverage Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. is higher than State Farm’s, Geico offers some car insurance discounts that State Farm does not, like discounts for air bags, anti-lock brakes and daytime running lights.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $912 |  |
 | Geico | $2,046 |  |
 | Progressive | $2,471 |  |
 | Allstate | $2,700 |  |
 | Farmers | $4,076 | |
 | USAA* | $1,105 | |
Cheap liability-only auto insurance in Montana: State Farm
State Farm offers a wide range of discounts that could lower your liability quote even more. Make sure to check all discounts companies offer when you compare car insurance quotes.
While USAA has the overall cheapest rate for liability insurance Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. in Montana, it only offers car insurance to military members and their families.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| State Farm | $208 |
| Geico | $432 |
| Progressive | $677 |
| Allstate | $982 |
| Farmers | $1,016 |
| USAA* | $201 |
Best Montana car insurance for young drivers: State Farm
State Farm offers a good student discount of up to 25% off for teens maintaining a B average or higher. However, a good way to get cheap car insurance for a young driver in your home is to add them to your car insurance policy. Your rate will go up, but it should still be cheaper than if you each had your own policies.
Cheapest companies for teen drivers
| Company | Liability | Full coverage |
|---|---|---|
| State Farm | $699 | $2,499 |
| Geico | $1,446 | $6,567 |
| Progressive | $1,770 | $7,098 |
| Allstate | $2,134 | $5,181 |
| Farmers | $3,512 | $11,394 |
| USAA* | $738 | $3,318 |
Cheap car insurance rates after a ticket in Montana: State Farm
After getting a speeding ticket in Montana, you can expect your car insurance to go up around 25%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $966 |
| Geico | $2,643 |
| Allstate | $2,860 |
| Progressive | $3,273 |
| Farmers | $5,493 |
| USAA* | $1,449 |
Best car insurance quotes after an accident in Montana: State Farm
The average Montana driver sees their car insurance rate go up about 45% after an accident.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,027 |
| Geico | $3,506 |
| Progressive | $3,682 |
| Allstate | $4,057 |
| Farmers | $5,556 |
| USAA* | $1,453 |
Best car insurance for Montana teens with an accident or ticket: State Farm
Geico and Progressive are the next-cheapest companies in both areas for most teens.
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $767 | $844 |
| Geico | $1,687 | $1,942 |
| Progressive | $1,914 | $2,041 |
| Allstate | $2,328 | $3,578 |
| Farmers | $4,338 | $4,338 |
| USAA* | $859 | $880 |
Cheap Montana auto insurance rates after a DUI: State Farm
After a DUI, most Montana drivers see their auto insurance increase by an average of 69%.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| State Farm | $1,921 |
| Progressive | $2,897 |
| Allstate | $3,651 |
| Farmers | $5,353 |
| Geico | $6,508 |
| USAA* | $2,137 |
Montana’s cheapest car insurance for bad credit: Geico
Insurance companies see a connection between your credit score and the chances of filing a claim, and charge higher car insurance rates to offset costs.
To learn your credit score, you can find out for free at LendingTree Spring before you shop for insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Geico | $2,927 |
| Progressive | $3,894 |
| Allstate | $4,002 |
| State Farm | $5,312 |
| Farmers | $6,353 |
| USAA* | $2,271 |
Best car insurance companies in Montana
At 657, State Farm has the highest customer satisfaction score of the car insurance companies available to all Montana drivers. This is 13 points higher than the average score of 644 from the J.D. Power 2024 U.S. Auto Insurance Study.
Geico’s customer satisfaction score is a little worse than average, but this isn’t abnormal for a company of this size.
Montana car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power’s 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Montana insurance rates by city
Billings, the largest city in Montana, pays $2,140 a year for car insurance, on average. Missoula, the second-largest city, pays an average rate of $1,925 a year. Great Falls is the state’s third-largest city and pays $2,045.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Absarokee | $2,158 | 4% |
| Acton | $2,142 | 3% |
| Alberton | $1,989 | -4% |
| Alder | $2,000 | -3% |
| Alzada | $2,129 | 3% |
| Anaconda-Deer Lodge County | $1,948 | -6% |
| Angela | $2,123 | 3% |
| Antelope | $2,029 | -2% |
| Arlee | $2,040 | -1% |
| Ashland | $2,112 | 2% |
| Augusta | $2,004 | -3% |
| Avon | $1,956 | -5% |
| Babb | $2,156 | 4% |
| Bainville | $2,067 | 0% |
| Baker | $2,093 | 1% |
| Ballantine | $2,165 | 5% |
| Basin | $2,017 | -3% |
| Bearcreek | $2,122 | 3% |
| Belfry | $2,133 | 3% |
| Belgrade | $1,973 | -5% |
| Belt | $2,055 | -1% |
| Biddle | $2,142 | 3% |
| Big Arm | $2,159 | 4% |
| Big Sandy | $2,111 | 2% |
| Big Sky | $2,018 | -3% |
| Big Timber | $2,128 | 3% |
| Bigfork | $2,195 | 6% |
| Bighorn | $2,106 | 2% |
| Billings | $2,140 | 3% |
| Birney | $2,121 | 3% |
| Black Eagle | $2,053 | -1% |
| Bloomfield | $2,055 | -1% |
| Bonner | $1,942 | -6% |
| Bonner-West Riverside | $1,915 | -7% |
| Boulder | $1,964 | -5% |
| Box Elder | $2,114 | 2% |
| Boyd | $2,162 | 4% |
| Boyes | $2,098 | 1% |
| Bozeman | $1,990 | -4% |
| Brady | $2,069 | 0% |
| Bridger | $2,143 | 4% |
| Broadus | $2,158 | 4% |
| Broadview | $2,157 | 4% |
| Brockton | $2,069 | 0% |
| Brockway | $2,038 | -2% |
| Browning | $2,181 | 5% |
| Brusett | $2,144 | 4% |
| Buffalo | $2,085 | 1% |
| Busby | $2,214 | 7% |
| Butte | $1,998 | -3% |
| Bynum | $2,067 | 0% |
| Cameron | $1,994 | -4% |
| Canyon Creek | $1,966 | -5% |
| Capitol | $2,226 | 8% |
| Cardwell | $1,948 | -6% |
| Carter | $2,055 | -1% |
| Cascade | $2,010 | -3% |
| Charlo | $2,072 | 0% |
| Chester | $2,077 | 0% |
| Chinook | $2,093 | 1% |
| Choteau | $2,056 | -1% |
| Circle | $2,048 | -1% |
| Clancy | $2,014 | -3% |
| Clinton | $1,930 | -7% |
| Clyde Park | $2,054 | -1% |
| Coffee Creek | $2,081 | 1% |
| Cohagen | $2,134 | 3% |
| Colstrip | $2,086 | 1% |
| Columbia Falls | $2,159 | 4% |
| Columbus | $2,155 | 4% |
| Condon | $2,051 | -1% |
| Conner | $1,975 | -5% |
| Conrad | $2,058 | -1% |
| Cooke City | $2,058 | -1% |
| Coram | $2,130 | 3% |
| Corvallis | $1,962 | -5% |
| Crane | $2,008 | -3% |
| Crow Agency | $2,245 | 8% |
| Culbertson | $2,037 | -2% |
| Custer | $2,068 | 0% |
| Cut Bank | $2,143 | 4% |
| Dagmar | $2,025 | -2% |
| Darby | $1,955 | -6% |
| Dayton | $2,201 | 6% |
| De Borgia | $2,065 | 0% |
| Decker | $2,169 | 5% |
| Deer Lodge | $1,939 | -6% |
| Dell | $1,952 | -6% |
| Denton | $2,046 | -1% |
| Dillon | $1,908 | -8% |
| Divide | $1,976 | -5% |
| Dixon | $2,064 | 0% |
| Dodson | $2,124 | 3% |
| Drummond | $1,948 | -6% |
| Dupuyer | $2,098 | 1% |
| Dutton | $2,063 | 0% |
| East Glacier Park | $2,184 | 6% |
| East Helena | $1,933 | -7% |
| East Missoula | $1,917 | -7% |
| Edgar | $2,116 | 2% |
| Ekalaka | $2,113 | 2% |
| Elliston | $1,982 | -4% |
| Elmo | $2,181 | 5% |
| Emigrant | $2,028 | -2% |
| Ennis | $1,964 | -5% |
| Essex | $2,168 | 5% |
| Ethridge | $2,078 | 0% |
| Eureka | $2,183 | 5% |
| Evaro | $1,986 | -4% |
| Evergreen | $2,153 | 4% |
| Fairfield | $2,037 | -2% |
| Fairview | $2,037 | -2% |
| Fallon | $2,105 | 2% |
| Fishtail | $2,136 | 3% |
| Flaxville | $2,020 | -2% |
| Florence | $1,971 | -5% |
| Floweree | $2,059 | -1% |
| Forest Grove | $2,085 | 1% |
| Forsyth | $2,082 | 1% |
| Fort Belknap Agency | $2,143 | 4% |
| Fort Benton | $2,053 | -1% |
| Fort Harrison | $1,921 | -7% |
| Fort Peck | $2,077 | 0% |
| Fort Shaw | $2,020 | -2% |
| Fort Smith | $2,287 | 10% |
| Fortine | $2,173 | 5% |
| Four Corners | $2,009 | -3% |
| Frazer | $2,068 | 0% |
| Frenchtown | $1,958 | -5% |
| Froid | $2,022 | -2% |
| Fromberg | $2,133 | 3% |
| Galata | $2,104 | 2% |
| Gallatin Gateway | $2,024 | -2% |
| Gardiner | $2,054 | -1% |
| Garrison | $1,961 | -5% |
| Garryowen | $2,196 | 6% |
| Geraldine | $2,056 | -1% |
| Geyser | $2,060 | 0% |
| Gildford | $2,101 | 2% |
| Glasgow | $2,066 | 0% |
| Glen | $1,922 | -7% |
| Glendive | $2,009 | -3% |
| Glentana | $2,061 | 0% |
| Gold Creek | $1,952 | -6% |
| Grantsdale | $1,961 | -5% |
| Grass Range | $2,058 | -1% |
| Great Falls | $2,045 | -1% |
| Greycliff | $2,141 | 3% |
| Hall | $1,958 | -5% |
| Hamilton | $1,952 | -6% |
| Hammond | $2,126 | 3% |
| Hardin | $2,200 | 6% |
| Harlem | $2,143 | 4% |
| Harlowton | $2,096 | 1% |
| Harrison | $1,954 | -6% |
| Hathaway | $2,096 | 1% |
| Haugan | $2,065 | 0% |
| Havre | $2,074 | 0% |
| Havre North | $2,071 | 0% |
| Hays | $2,158 | 4% |
| Heart Butte | $2,222 | 7% |
| Helena | $1,940 | -6% |
| Helena Flats | $2,153 | 4% |
| Helena Valley Northeast | $1,932 | -7% |
| Helena Valley Northwest | $1,925 | -7% |
| Helena Valley Southeast | $1,935 | -7% |
| Helena Valley West Central | $1,924 | -7% |
| Helena West Side | $1,949 | -6% |
| Helmville | $1,972 | -5% |
| Heron | $2,219 | 7% |
| Highwood | $2,090 | 1% |
| Hilger | $2,057 | -1% |
| Hingham | $2,098 | 1% |
| Hinsdale | $2,051 | -1% |
| Hobson | $2,069 | 0% |
| Hogeland | $2,142 | 4% |
| Homestead | $2,013 | -3% |
| Hot Springs | $2,123 | 3% |
| Hungry Horse | $2,144 | 4% |
| Huntley | $2,149 | 4% |
| Huson | $1,973 | -5% |
| Hysham | $2,106 | 2% |
| Ingomar | $2,119 | 2% |
| Inverness | $2,070 | 0% |
| Ismay | $2,111 | 2% |
| Jackson | $1,950 | -6% |
| Jefferson City | $2,004 | -3% |
| Joliet | $2,141 | 3% |
| Joplin | $2,078 | 0% |
| Jordan | $2,134 | 3% |
| Judith Gap | $2,064 | 0% |
| Kalispell | $2,153 | 4% |
| Kevin | $2,097 | 1% |
| Kila | $2,181 | 5% |
| Kinsey | $2,113 | 2% |
| Kremlin | $2,098 | 1% |
| Lake Mc Donald | $2,168 | 5% |
| Lakeside | $2,196 | 6% |
| Lambert | $2,027 | -2% |
| Lame Deer | $2,149 | 4% |
| Larslan | $2,139 | 3% |
| Laurel | $2,130 | 3% |
| Lavina | $2,137 | 3% |
| Ledger | $2,086 | 1% |
| Lewistown | $2,026 | -2% |
| Libby | $2,172 | 5% |
| Lima | $1,945 | -6% |
| Lincoln | $1,996 | -4% |
| Lindsay | $2,062 | 0% |
| Livingston | $2,042 | -1% |
| Lloyd | $2,115 | 2% |
| Lockwood | $2,126 | 3% |
| Lodge Grass | $2,312 | 12% |
| Lolo | $1,945 | -6% |
| Loma | $2,103 | 2% |
| Lonepine | $2,109 | 2% |
| Loring | $2,064 | 0% |
| Lothair | $2,104 | 2% |
| Malmstrom AFB | $2,033 | -2% |
| Malta | $2,080 | 0% |
| Manhattan | $1,996 | -4% |
| Marion | $2,183 | 5% |
| Martin City | $2,168 | 5% |
| Martinsdale | $1,979 | -4% |
| Marysville | $1,994 | -4% |
| Mc Allister | $1,950 | -6% |
| Mc Leod | $2,104 | 2% |
| Medicine Lake | $1,995 | -4% |
| Melrose | $1,983 | -4% |
| Melstone | $2,125 | 3% |
| Melville | $2,141 | 3% |
| Mildred | $2,122 | 3% |
| Miles City | $2,079 | 0% |
| Milltown | $1,921 | -7% |
| Missoula | $1,925 | -7% |
| Moccasin | $2,043 | -1% |
| Molt | $2,166 | 5% |
| Monarch | $1,994 | -4% |
| Montana City | $2,028 | -2% |
| Moore | $2,073 | 0% |
| Mosby | $2,109 | 2% |
| Musselshell | $2,071 | 0% |
| Nashua | $2,076 | 0% |
| Neihart | $2,065 | 0% |
| Niarada | $2,136 | 3% |
| Norris | $1,961 | -5% |
| North Browning | $2,181 | 5% |
| Noxon | $2,217 | 7% |
| Nye | $2,126 | 3% |
| Oilmont | $2,103 | 2% |
| Olive | $2,112 | 2% |
| Olney | $2,161 | 4% |
| Opheim | $2,059 | -1% |
| Orchard Homes | $1,923 | -7% |
| Otter | $2,149 | 4% |
| Outlook | $2,034 | -2% |
| Ovando | $2,033 | -2% |
| Pablo | $2,078 | 0% |
| Paradise | $2,071 | 0% |
| Park City | $2,161 | 4% |
| Peerless | $2,061 | 0% |
| Pendroy | $2,051 | -1% |
| Philipsburg | $1,977 | -4% |
| Pinesdale | $1,961 | -5% |
| Plains | $2,092 | 1% |
| Plentywood | $1,993 | -4% |
| Plevna | $2,093 | 1% |
| Polaris | $1,927 | -7% |
| Polebridge | $2,153 | 4% |
| Polson | $2,133 | 3% |
| Pompeys Pillar | $2,199 | 6% |
| Pony | $1,948 | -6% |
| Poplar | $2,041 | -1% |
| Powderville | $2,082 | 1% |
| Power | $2,095 | 1% |
| Pray | $2,039 | -1% |
| Proctor | $2,159 | 4% |
| Pryor | $2,232 | 8% |
| Radersburg | $1,993 | -4% |
| Ramsay | $1,992 | -4% |
| Rapelje | $2,164 | 5% |
| Ravalli | $2,075 | 0% |
| Raymond | $2,032 | -2% |
| Raynesford | $2,059 | 0% |
| Red Lodge | $2,156 | 4% |
| Redstone | $2,030 | -2% |
| Reed Point | $2,157 | 4% |
| Reserve | $2,017 | -3% |
| Rexford | $2,156 | 4% |
| Richey | $2,069 | 0% |
| Richland | $2,058 | -1% |
| Ringling | $2,014 | -3% |
| Riverbend | $1,998 | -3% |
| Roberts | $2,158 | 4% |
| Rocky Boy's Agency | $2,118 | 2% |
| Rocky Point | $2,138 | 3% |
| Rollins | $2,199 | 6% |
| Ronan | $2,078 | 0% |
| Roscoe | $2,149 | 4% |
| Rosebud | $2,097 | 1% |
| Roundup | $2,077 | 0% |
| Roy | $2,053 | -1% |
| Rudyard | $2,078 | 0% |
| Ryegate | $2,132 | 3% |
| Saco | $2,049 | -1% |
| Saltese | $2,079 | 0% |
| Sand Coulee | $2,061 | 0% |
| Sand Springs | $2,149 | 4% |
| Sanders | $2,096 | 1% |
| Sangrey | $2,113 | 2% |
| Savage | $2,031 | -2% |
| Scobey | $2,035 | -2% |
| Seeley Lake | $2,001 | -3% |
| Shawmut | $2,087 | 1% |
| Shelby | $2,052 | -1% |
| Shepherd | $2,169 | 5% |
| Sheridan | $2,014 | -3% |
| Sidney | $1,994 | -4% |
| Silver Gate | $2,031 | -2% |
| Silver Star | $1,976 | -5% |
| Simms | $2,014 | -3% |
| Somers | $2,184 | 6% |
| South Browning | $2,181 | 5% |
| Springdale | $2,021 | -2% |
| St. Ignatius | $2,054 | -1% |
| St. Marie | $2,071 | 0% |
| St. Regis | $2,072 | 0% |
| St. Xavier | $2,247 | 9% |
| Stanford | $2,066 | 0% |
| Stevensville | $1,948 | -6% |
| Stockett | $2,058 | -1% |
| Stryker | $2,173 | 5% |
| Sula | $1,931 | -7% |
| Sumatra | $2,128 | 3% |
| Sun Prairie | $2,034 | -2% |
| Sun River | $2,035 | -2% |
| Sunburst | $2,112 | 2% |
| Superior | $1,998 | -3% |
| Sweet Grass | $2,121 | 2% |
| Teigen | $2,048 | -1% |
| Terry | $2,137 | 3% |
| Thompson Falls | $2,145 | 4% |
| Three Forks | $1,986 | -4% |
| Toston | $1,995 | -4% |
| Townsend | $1,996 | -4% |
| Trego | $2,171 | 5% |
| Trout Creek | $2,160 | 4% |
| Troy | $2,239 | 8% |
| Turner | $2,135 | 3% |
| Twin Bridges | $1,963 | -5% |
| Two Dot | $2,072 | 0% |
| Ulm | $2,013 | -3% |
| Valier | $2,157 | 4% |
| Vandalia | $2,042 | -1% |
| Vaughn | $2,034 | -2% |
| Victor | $1,936 | -6% |
| Vida | $2,046 | -1% |
| Virginia City | $1,958 | -5% |
| Volborg | $2,093 | 1% |
| Walkerville | $1,994 | -4% |
| West Glacier | $2,123 | 3% |
| West Glendive | $2,009 | -3% |
| West Yellowstone | $2,000 | -3% |
| Westby | $2,008 | -3% |
| White Haven | $2,173 | 5% |
| White Sulphur Springs | $1,957 | -5% |
| Whitefish | $2,157 | 4% |
| Whitehall | $1,947 | -6% |
| Whitetail | $2,079 | 0% |
| Whitewater | $2,059 | 0% |
| Whitlash | $2,107 | 2% |
| Wibaux | $2,036 | -2% |
| Willard | $2,096 | 1% |
| Willow Creek | $1,970 | -5% |
| Wilsall | $2,041 | -1% |
| Winifred | $2,040 | -1% |
| Winnett | $2,134 | 3% |
| Winston | $1,995 | -4% |
| Wisdom | $1,936 | -6% |
| Wise River | $1,910 | -8% |
| Wolf Creek | $1,981 | -4% |
| Wolf Point | $2,058 | -1% |
| Worden | $2,154 | 4% |
| Wyola | $2,318 | 12% |
| Zortman | $2,119 | 2% |
| Zurich | $2,097 | 1% |
Minimum coverage for car insurance in Montana
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $20,000 of property damage coverage
Car insurance laws in Montana
Montana law does not require you to buy full-coverage car insurance, which includes liability as well as collision and comprehensive coverages. But if you financed your vehicle, your lending agreement will probably require it.
If your drivers license is suspended in Montana for a DUI or similar offense, you must file an SR-22 to reinstate it. An SR-22 proves that you carry the minimum amount of car insurance Montana requires. Your insurance company should file the SR-22 with the Montana Motor Vehicle Division for you.
Frequently asked questions
The average cost of full-coverage car insurance in Montana is $2,218 a year, or $185 a month. Liability-only car insurance costs $586 a year, or $49 a month, on average.
Montana is an at-fault car insurance state. This means the driver responsible for the accident pays for injuries and damages they caused.