secured lock Secured with SHA-256 Encryption

Cheap Auto Insurance in Montana 2025 (Save Big With These 10 Companies!)

Liberty Mutual, State Farm, and Geico provide cheap auto insurance in Montana. These MT car insurers are recognized for their affordable rates starting as low as $16/mo, strong financial stability, and comprehensive discount programs. Learn more about Montana's 25/50/20 liability requirements here.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

D. Gilson, PhD

Professor & Published Author

D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Professor & Published Author

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...

Licensed Insurance Agent

UPDATED: May 27, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Cheapest in Montana: Liberty Mutual
4.2

Company Facts

Min. Coverage in Montana

$16/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

  • Customizable Coverage Options
  • Multi-Policy Discounts
  • 24/7 Claims Support
  • Safe Driving Discounts
  • User-Friendly Tools
  • Higher Premiums
  • Limited Availability
  • Mixed Customer Service
2nd Cheapest in Montana: State Farm
4.3

Company Facts

Min. Coverage in Montana

$19/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates for good drivers
  • Large network of agents
  • Strong customer service
  • Many discounts
  • Good bundling options
  • Higher rates for high-risk drivers
  • Fewer online tools
  • Limited specialty coverage
3rd Cheapest in Montana: Geico
4.1

Company Facts

Min. Coverage in Montana

$23/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Low rates for most drivers
  • Many discounts available
  • Easy online & mobile tools
  • Strong customer service
  • Nationwide availability
  • Limited local agents
  • Higher rates for high-risk drivers
  • Fewer coverage options

Liberty Mutual tops the list for cheap auto insurance in Montana, with minimum coverage starting at $16 a month. State Farm is next at $19 a month, followed by Geico at $23 a month.

Cheap Auto Insurance in Montana: Liberty Mutual, State Farm, and Geico

Whether you’re driving through Glacier National Park or the Rocky Mountains, you need affordable insurance in Montana, the fourth-largest state. The tough terrain requires reliable coverage.

Our Top 10 Company Picks: Cheap Auto Insurance in Montana

CompanyRankMonthly RatesA.M. BestBest ForJump to Pros/Cons
Liberty Mutual: Cheap Auto Insurance in Montana#1$16AMulti-Policy DiscountsLiberty Mutual
State Farm: Cheap Auto Insurance in Montana#2$19BLocal AgentState Farm
Geico: Cheap Auto Insurance in Montana#3$23A++Low PremiumsGeico
Nationwide: Cheap Auto Insurance in Montana#4$24A+Claims HandlingNationwide
Safeco: Cheap Auto Insurance in Montana#5$28ACustomer ServiceSafeco
Travelers: Cheap Auto Insurance in Montana#6$30A++Rural DriversTravelers
American Family: Cheap Auto Insurance in Montana#7$34ACustomer ServiceAmerican Family
Allstate: Cheap Auto Insurance in Montana#8$42A+Safe-Driving DiscountsAllstate
Farmers: Cheap Auto Insurance in Montana#9$45AYoung DriversFarmers
Progressive: Cheap Auto Insurance in Montana#10$47A+Comprehensive CoverageProgressive

Compare RatesStart Now →

Each company has its own perks with Liberty Mutual has customizable plans with student and military discounts, State Farm has great financial strength with competitive rates, and Geico has strong digital tools with employee discounts.

Things to remember

  • Liberty Mutual offers the cheapest auto insurance in Montana at just $16 a month
  • State Farm is also Montana’s top pick with its Drive Safe & Save program
  • Geico stands out for its Montana auto insurance digital platform

Montana’s auto insurance requirements are $25,000/$50,000/$20,000 liability auto insurance coverage, but increasing your coverage will give you better long-term protection. Enter your ZIP code above to start saving on your car insurance today.

Table of Contents

#1 Liberty Mutual: Top Overall PickLiberty Mutual: cheap auto insurance in Montana

Pros

  • Customized Coverage: Liberty Mutual provides adaptable plans, such as new car replacement and accident forgiveness. Learn more in our thorough Liberty Mutual review.
  • Robust Digital Tools: Offers an easy-to-use mobile app for managing policies and filing claims, helping Montana drivers find affordable coverage on the go.
  • Financial Stability: Liberty Mutual’s solid financial strength ensures reliable claims payouts, crucial for Montana policyholders.

Cons

  • Conflicting Claims Reviews: A few Montana policyholders have expressed dissatisfaction with the claims process.
  • Limited Agent Support: Primarily relies on digital tools, which may not offer personalized agent support for Montana residents.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#2 State Farm: Best For Financial Strength

State Farm: cheap auto insurance in Montana

Pros

  • Outstanding Customer Attention: State Farm is renowned for its robust local agent network and individualized attention.  Read more in our full review of State Farm’s auto insurance.
  • Strong Financial Strength: State Farm’s excellent financial standing ensures reliable and timely claims handling for Montana drivers.
  • Safe Driver Discounts: Provides significant savings for safe drivers in Montana through programs like Drive Safe & Save.

Cons

  • Restricted Discounts: State Farm offers fewer discount options compared to other competitors in Montana.
  • Average Digital Tools: The website and mobile apps could use improvements to better serve Montana drivers.

#3 Geico: Employee Discounts

Geico: Cheap auto insurance in Montana

Pros

  • Low Rates: Geico is renowned for providing some of the market’s lowest rates. Learn more about Geico’s rates in our Geico auto insurance review
  • Strong Web Presence: Geico provides an easy-to-use web platform and mobile app for managing policies, making it convenient for Montana drivers seeking cheap auto insurance.
  • Reliable Claims Process: Geico’s claims process typically garners favorable reviews, making it a reliable choice for affordable auto insurance in Montana.

Cons

  • Restricted Agent Network: Geico relies heavily on online resources, which may not offer personalized agent support for Montana drivers.
  • Poor Customer Service: Some Montana policyholders have reported mixed experiences with Geico’s customer service.

#4 Nationwide: Best For Accident Forgiveness

Nationwide: cheap auto insurance in Montana

Pros 

  • Variety of Coverage: Provides a wide range of coverage choices for Montana drivers, such as accident forgiveness. You can learn more in our Nationwide auto insurance review.
  • On Your Side Review offers yearly policy evaluations to ensure Montana clients receive the most competitive prices.
  • Fantastic Bundling Discounts: Nationwide provides Montana citizens significant discounts when combining many plans, such as auto and home insurance.

Cons

  • Average Rates: Nationwide offers reasonable rates, although they are not the cheapest in Montana.
  • Claims Processing: A few Montana clients have complained about claims processing being slower than anticipated.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#5 –  Safeco: Best For Budget-Conscious DriversSafeco: Cheap auto insurance in Montana

Pros

  • Affordable Rates: Safeco offers competitive pricing, making it a great choice for cheap auto insurance in Montana. Read more about this provider in our Safeco auto insurance review.
  • Variety of Discounts: Safeco provides several discounts, including those for safe driving and bundling policies, which can further reduce costs for Montana drivers.
  • Roadside Assistance: Safeco includes affordable add-ons like roadside assistance, offering extra value for budget-conscious policyholders.

Cons

  • Mixed Claims Experience: Some Montana customers report delays in claims processing, affecting overall satisfaction.
  • Limited Local Agent Support: Safeco relies heavily on digital tools, and local agent support may be limited in certain areas of Montana.

#6 Travelers: Best For Unique Coverage

Travelers: cheap auto insurance in Montana

Pros

  • Competitive prices: Provides reasonable prices, particularly for drivers with spotless records. Read more about Travelers’ ratings in our Travelers auto insurance review
  • Homeowner Discounts: Bundling auto insurance with homeowners insurance can help Montana residents save significantly, offering a flexible payment plan option that suits their needs.
  • Flexible Payment Options: Travelers allows Montana drivers to choose from various payment plans, ensuring that premiums fit their budget.

Cons

  • Claims Satisfaction Below Average: Some Montana customers report frustration with Travelers’ claims process, which may affect their satisfaction with the service.
  • Limited Support for Local Agents: Travelers primarily rely on digital tools, which may lack the personal touch some Montana drivers prefer when dealing with their auto insurance.

#7  American Family: Best For Loyalty SavingsAmerican Family: cheap auto insurance in Montana

Pros

  • Personalized Service: Well-known for providing excellent customer service via a network of local agents. Find out more in our American Family auto insurance review.
  • Flexible Coverage: Montana drivers can choose from a selection of coverage options tailored to meet their specific needs, ensuring affordable and customized auto insurance in Montana.
  • Safe Driving Program: Montana drivers can save money through a safe driving program that rewards responsible driving with potential discounts.

Cons

  • Restricted Availability: The insurer may not be available in all areas of Montana, limiting access to their coverage options.
  • Average Claims Process: Some Montana customers have experienced delays or issues with the claims process, which may impact overall satisfaction

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

#8 Allstate: Best For Detailed Coverage

Allstate: cheap auto insurance in Montana

Pros

  • Large Discounts: Allstate provides several discounts, such as safe driver and excellent student discounts.  Read more about this provider in our Allstate auto insurance review.
  • Local Agents: Montana residents benefit from tailored support provided by a vast network of local agents, ensuring personalized service for cheap auto insurance in Montana.
  • Accident Forgiveness: Montana drivers are shielded from rate hikes following an accident, allowing them to maintain affordable premiums even after a claim.

Cons

  • Higher Rates: Montana’s car insurance premiums may be higher compared to other providers.
  • Limited Digital Tools: Policy management through mobile and online platforms could be more streamlined, offering more convenience for Montana drivers.

#9 Farmers: Best For Family Drivers

Farmers: cheap auto insurance in Montana

Pros

  • Outstanding Customer Service: Farmers offers individualized local agent support and 24/7 claims assistance. Read our Farmers auto insurance review to learn more. 
  • Accident Forgiveness: Farmers offers accident forgiveness programs for Montana drivers, which helps keep your rates affordable.
  • Bundling Discounts: Montana customers can enjoy significant discounts on auto and home insurance by bundling, providing savings on multiple policies.

Cons

  • Limited Discounts: Farmers offer fewer discount opportunities than other providers, potentially reducing overall savings for Montana residents.
  • State Availability: Farmers’ coverage may not be available in all states, limiting its availability for Montana drivers seeking this provider.

#10 Progressive: Best For Coverage Options

Progressive: cheap auto insurance in Montana

Pros

  • Reasonably priced rates: Progressive is renowned for providing affordable rates, particularly for high-risk drivers. Learn more in our Progressive auto insurance review.
  • Discounts for Several Policies: Progressive offers substantial savings for Montana customers who bundle auto and home insurance, making it easier to find affordable coverage.
  • Robust Digital Tools: Progressive offers convenient access to manage policies and submit claims, improving customer experience for Montana drivers.

Cons

  • Claims Satisfaction: Some Montana drivers have expressed dissatisfaction with Progressive’s claims process, which could affect the overall experience.
  • Limited Agent Support: Progressive relies heavily on digital tools, which may not provide the personalized service that some Montana customers seek.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

How to Get Cheap Montana Car Insurance Rates

You might be wondering about what kind of coverage you need, and the answer to that question is sort of a complicated one. But let’s start with the basics: Montana requires every driver to have auto insurance, but how much insurance coverage do you need?

You might be looking for the cheapest auto insurance in Montana, and that’s okay, but we’re here to tell you that having more coverage will benefit you and your wallet in the long run. It’s important to strike a balance between affordable premiums and adequate protection.

Montana Auto Insurance Monthly Rates by Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Cheap Auto Insurance in Montana$42$154
American Family: Cheap Auto Insurance in Montana$34$125
Farmers: Cheap Auto Insurance in Montana$45$164
Geico: Cheap Auto Insurance in Montana$23$82
Liberty Mutual: Cheap Auto Insurance in Montana$16$59
Nationwide: Cheap Auto Insurance in Montana$24$88
Progressive: Cheap Auto Insurance in Montana$47$171
Safeco: Cheap Auto Insurance in Montana$28$106
State Farm: Cheap Auto Insurance in Montana$19$70
Travelers: Cheap Auto Insurance in Montana$30$111

Compare RatesStart Now →

Before we discuss minimum liability insurance requirements, let’s examine Montana’s car culture. This will help you better understand the state’s laws and regulations and how cheap auto insurance affects the overall driving experience.

Montana’s harsh winters and rural roads make comprehensive coverage essential beyond state minimums.

Chris Abrams Licensed Insurance Agent

According to Hartford, the most common vehicles on Montana’s roads are big pickups like Chevy Silverado 1500s and beyond with the Z71 package, which fully equips the vehicle to go off-road.

After all, Montana residents are known for their jobs that involve farming, ranching, and anything related to the outdoors.

Montana Auto Insurance Requirements

Montana is one of 38 states classified as a traditional at-fault car accident state. This means the driver responsible for an accident is liable for covering the damages.

In at-fault car accident states like Montana, if you cause an accident, you are responsible for covering any incurred costs from that accident.

These costs could include damages to your vehicle as well as anyone else’s and medical bills.

The at-fault driver is also responsible for filing a claim with his or her insurance company. Ideally, the insurance company will inform the driver that the policy provides enough coverage to handle all costs, which is why considering cheap auto insurance in Montana with adequate coverage is crucial.

No-Fault Insurance Definition Card: Cheap Auto Insurance in Montana

If the at-fault driver does not have enough insurance, he or she will have to cover these costs with personal assets. In short, the scenario above explains why it is a good idea to carry more insurance than the type of car insurance required.

Montana Code Annotated section 61-6-103 requires that any motor vehicle operated on public roads be insured by a liability insurance policy that meets the following Montana car insurance requirements:

  • $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $20,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle

Liability coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits.

Forms of Financial Responsibility in Montana

A form of financial responsibility is just a fancy term for proof of insurance. Every driver in Montana is required to carry their proof of insurance (insurance card) on their person or in their car at all times, even when opting for cheap auto insurance in Montana to ensure compliance with state laws.

Types of auto insurance coverage include liability, collision, comprehensive, and more to protect drivers from various risks.

If a law enforcement officer pulls you over, you must be ready to show proof of insurance, registration and your license.

Here are some acceptable forms of proof of insurance:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance card (or picture proof of your insurance card)

If you’re pulled over and cannot show proof of insurance, you may be facing some serious penalties.

Even if you have cheap auto insurance in Montana, you must be able to show proof of your insurance policy. In this case, a police officer might give you a warning, or he or she may deem you a driver without insurance. Check Liberty Mutual’s site to learn more about providing your coverage.

Liberty Mutual Site Screenshot: Cheap Auto Insurance in Montana

Driving without insurance is a misdemeanor in Montana. A first-time offender could be punished with a fine between $250 and $500 or up to 10 days in jail.

It’s kind of silly to go to jail for a crime that could’ve easily been prevented. If you’ve opted for cheap auto insurance in Montana, make sure to take a photo of your insurance card if you’re bad with loose papers, and always have it with you or on your phone to avoid any issues.

Premiums as a Percentage of Income

Montana’s average per capita disposable income in 2014 was $36,041.

A person’s per capita income is the amount of money they take home after paying taxes. In 2014, Montana drivers paid $868.55 on average for a full coverage car insurance policy. This means drivers pay an average of 2.41 percent per year on car insurance alone.

From 2012-2014, Montana auto insurance increased by about $50 and the average per capita income increased by about $400.

When we look at the surrounding states’ averages, Idaho had a per capita income of $33,600 in 2014 and paid an average of $673.13 a year for a full coverage policy.

Wyoming had a much higher average per capita income of $49,918 and paid an average of $844.33 for a full coverage insurance policy.

Countrywide, Americans have an average per capita income of $40,859 and pay $981.77 a year for auto insurance.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Core Car Insurance Coverage in Montana

The data in the table below is provided by the National Association of Insurance Commissioners (NAIC). Since this data is from 2015, rates are likely to be slightly higher today.

Core Auto Insurance Coverage in Montana

Coverage TypeMonthly Cost
Liability$32
Collision$22
Comprehensive$18

Compare RatesStart Now →

Keep in mind that these rates reflect cheap auto insurance in Montana based on the state’s minimum coverage laws, which may vary depending on individual factors.

Additional Liability Coverage in Montana

While the additional types of liability auto insurance coverage listed above aren’t required by the state of Montana, it still might be a good idea to carry them.

Because Montana is an at-fault state, a driver who causes an accident is required by law to pay for any damages associated with that accident; hopefully, the driver carries a big enough insurance policy so they don’t have to pay out of pocket to help cover damages.

9.90 percent of Montana drivers are uninsured. Montana is ranked 33rd in the U.S. for uninsured drivers.

If an uninsured driver hits you and you don’t have cheap auto insurance in Montana with underinsured/uninsured motorist coverage, you may be forced to cover the repair costs yourself. This coverage is crucial to avoid paying out of pocket in such scenarios. Check Geico’s website.

More than likely, the uninsured driver will go bankrupt trying to pay for damages done to his vehicle, and you’ll never be paid. This is where uninsured motorist coverage steps in to help.

But what about the loss ratio?

When you’re looking for a new Montana auto insurance company, it’s important to consider its loss ratio percentage.

If the loss ratio is too high (over 100 percent), the company could be at risk of going bankrupt because it is paying too many claims.

When you get into a car accident, you need to file a claim with your insurance company stating what damage was done to your vehicle and what medical bills need to be paid.

On the other hand, if the loss ratio is too low (under 50 percent), the insurance company could be scamming its clients because it’s not paying enough for filed claims.

Add-ons, Endorsements, and Riders in Montana

With so many extra insurance coverage options, it can be difficult to understand which ones could work well with your lifestyle.

Your Montana auto insurance policy should be as unique as you are. Click on the links below to learn more about each policy.

More coverage is always better coverage, even when searching for cheap auto insurance in Montana. Choose one add-on or choose them all to ensure you’re fully protected—the choice is completely up to you.

Male vs. Female Annual Car Insurance Rates in Montana

Did you know factors like gender, marital status, and age can affect your auto insurance rate?

In Montana, it is illegal to base an insurance rate on gender or marital status.

Montana Auto Insurance Monthly Rates by Age & Gender

Insurance CompanyAge: 17
Female
Age: 17
Male
Age: 25
Female
Age: 25
Male
Age: 35
Female
Age: 35
Male
Age: 60
Female
Age: 60
Male
Allstate: Cheap Auto Insurance in Montana$480$490$258$271$180$185$214$220
American Family: Cheap Auto Insurance in Montana$400$420$178$210$140$145$148$150
Farmers: Cheap Auto Insurance in Montana$460$475$246$256$160$165$171$183
Geico: Cheap Auto Insurance in Montana$300$310$138$133$120$125$104$106
Liberty Mutual: Cheap Auto Insurance in Montana$530$550$267$306$190$195$211$227
Nationwide: Cheap Auto Insurance in Montana$420$440$194$213$130$135$141$149
Progressive: Cheap Auto Insurance in Montana$430$440$201$209$125$130$131$136
Safeco: Cheap Auto Insurance in Montana$270$280$118$122$105$110$90$91
State Farm: Cheap Auto Insurance in Montana$350$360$144$158$115$120$108$108
Travelers: Cheap Auto Insurance in Montana$375$385$152$165$115$120$127$129

Compare RatesStart Now →

Are you worried about your age affecting your rate? Car insurance companies know teenage drivers have little experience on the road, which is exactly why they hike their rates for young drivers.

Read More: Cheap Car Insurance for Young Drivers

If you keep a clean record, your rates are likely to decrease significantly once you turn 25.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Cheapest Rates in Montana by City

Check out the table below for the average cost of car insurance in Montana by city.

Comparing rates by location can help you find the most affordable coverage tailored to your area.

Best Montana Car Insurance Companies

With literally hundreds of car insurance companies out there, it can be a tough choice to pick just one, especially when you don’t know what to look for in a company.

In this next section, we’ve answered all of the difficult questions and pulled valuable info on some of the very best car insurance companies in Montana for you.

Montana’s high teen DUI rate and dangerous rural roads require choosing insurers with strong claims handling, not just low prices.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

Keep reading to learn more about AM Best ratings, customer service satisfaction rankings, company complaints, and more about cheap Montana auto insurance companies. By comparing auto insurance companies, you can choose the best provider and secure the most affordable coverage for your vehicle.

Montana’s Largest Car Insurance Companies

We can determine a company’s financial strength by studying its A.M. Best Rating. As we previously discussed, generally, a company should not have a loss ratio percentage over 100 percent or under 50 percent.

Financial Rating in Montana From Top Providers by Market Share

CompanyA.M. BestDirect Premiums
Written
Loss RatioMarket Share
State Farm: Cheap Auto Insurance in MontanaA++$166,71458.29%22.99%
Liberty Mutual: Cheap Auto Insurance in MontanaA$93,42856.54%12.88%
Progressive: Cheap Auto Insurance in MontanaA+$92,61960.42%12.77%
Farmers: Cheap Auto Insurance in MontanaA$64,63346.34%8.91%
Safeco: Cheap Auto Insurance in MontanaA$50,95470.92%7.03%
Geico: Cheap Auto Insurance in MontanaA++$39,50973.41%5.45%
American Family: Cheap Auto Insurance in MontanaA$38,87958.37%5.36%
Allstate: Cheap Auto Insurance in MontanaA+$29,14947.79%4.02%
Travelers: Cheap Auto Insurance in MontanaA++$23,58955.63%3.25%
Nationwide: Cheap Auto Insurance in MontanaA+$22,48062.39%3.10%

Compare RatesStart Now →

As the table above shows, Allstate and Farmers both have loss ratios under 50 percent.

In both cases, the loss ratio is still in the 40 percent range, and both companies have a great AM Best rating, so it isn’t a huge deal that the loss ratio percentage is on the lower side. Cheap Car Insurance Rates: By comparing the ratings and financial strength of these companies, you can find the most affordable coverage with reliable providers.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Montana’s Best-Rated Car Insurance Companies

When you’re standing on the side of the road while trying to get hold of your car insurance company after you’ve just been in a car accident, the last thing you want to hear over the phone is a nasty voice.

Customer service is very important, especially when it comes to your auto insurance provider. J.D. Power agrees, and that’s exactly why they rank auto insurance companies every year based on customer satisfaction.


JD NorthWest Infographic: Cheap Auto Insurance in Montana

The 2019 U.S. Auto Insurance Study, now in its 20th year, examines customer satisfaction in five factors (in order of importance): interaction; policy offerings; price; billing process and policy information; and claims.

Except USAA, (a company that only serves military members and their families) PEMCO Insurance was ranked number one for customer service in the Northwest region of the U.S.

The study is based on responses from 42,759 auto insurance customers and was fielded from February through April 2019.

Companies with the Most Complaints in Montana

All companies receive complaints. How a company handles a mistake is what matters.

Below are some numbers on company complaints in Montana.

Companies With the Most Complaints in Montana

CompanyNational Median
Complaint Ratio
Company Complaint RatioTotal Complaints
2017
State Farm: Cheap Auto Insurance in Montana10.84150
Liberty Mutual: Cheap Auto Insurance in Montana14.28140
Progressive: Cheap Auto Insurance in Montana11.11
120
Farmers: Cheap Auto Insurance in Montana11.32110
Safeco: Cheap Auto Insurance in Montana10.90130
Geico: Cheap Auto Insurance in Montana10.52100
American Family: Cheap Auto Insurance in Montana10.26
140
Allstate: Cheap Auto Insurance in Montana11.02110
Travelers: Cheap Auto Insurance in Montana13.96125
Nationwide: Cheap Auto Insurance in Montana10.9095

Compare RatesStart Now →

Don’t let the numbers intimidate you—many cheap auto insurance options in Montana are available, even from top-rated providers on this list. It’s all about comparing quotes to find the best deal for your coverage needs. Compare Auto Insurance Companies to see how these providers measure up in terms of complaints, customer satisfaction, and pricing.

Cheapest Companies in Montana

Take a look at some of the companies offering cheap auto insurance in Montana to help you find the best and most affordable coverage. Comparing rates from these providers can save you money while ensuring you meet the state’s insurance requirements.

Cheapest Providers in Montana

CompanyMonthly RatesCompared To State AveragePercentage Compared
To State Average
Allstate TablePress Logo$4,672$1,45131%
$3,907$68718%
Geico TablePress Logo$3,602$38211%
Safeco TablePress Logo$1,326-$1,895-143%
DEPOSITORS INSURANCE$3,478$2577%
Progressive TablePress Logo$4,331$1,11026%
State Farm TablePress Logo$2,418-$803-33%
USAA TablePress Logo$2,032-$1,189-59%

Compare RatesStart Now →

Cheap car insurance rates are available from multiple providers, so it’s important to compare your options and select the best plan for your needs.

Commute Rates by Companies

Did you know that your rate can be affected by how many miles you drive per year?

Montana Monthly Commute Rates by Provider

Insurance Company6,000 Miles12,000 Miles
Allstate: Cheap Auto Insurance in Montana$380$399
American Family: Cheap Auto Insurance in Montana$310$320
Farmers: Cheap Auto Insurance in Montana$326$326
Geico: Cheap Auto Insurance in Montana$295$306
Liberty Mutual: Cheap Auto Insurance in Montana$111$111
Nationwide: Cheap Auto Insurance in Montana$290$290
Progressive: Cheap Auto Insurance in Montana$361$361
Safeco: Cheap Auto Insurance in Montana$167$171
State Farm: Cheap Auto Insurance in Montana$196$207
Travelers: Cheap Auto Insurance in Montana$350$370

Compare RatesStart Now →

According to the table above, whether you drive 6,000 miles per year or 12,000 miles per year, Liberty Mutual has the cheapest insurance in Montana.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Coverage Level Rates by Companies

Insurance can be costly, but opting for cheap auto insurance in Montana can still provide sufficient protection while saving you money in the long term.

A good insurance company might offer discounts or benefits when you choose to carry more coverage than Montana’s minimum requirements. Car insurance discounts can help you further reduce your premiums while ensuring comprehensive coverage.

To get a better picture of what we mean, take a look at the table below.

Montana Monthly Rates Coverage Level by Providers

Insurance CompanyLow CoverageMedium CoverageHigh Coverage
Allstate TablePress Logo$371$389$409
Farmers TablePress Logo$303$325$349
Geico TablePress Logo$288$298$314
Liberty Mutual TablePress Logo$103$111$118
Nationwide TablePress Logo$223$309$337
Progressive TablePress Logo$341$360$382
State Farm TablePress Logo$191$201$213
USAA TablePress Logo$162$169$178

Compare RatesStart Now →

Liberty Mutual only charges about $200 more per year for high-coverage car insurance.

Credit History Rates by Companies

Your credit score can also affect your car insurance rate.

Montana Car Insurance Monthly Rates by Credit Score

Insurance CompanyBad CreditFair CreditGood Credit
Allstate: Cheap Auto Insurance in Montana$471$377$321
American Family: Cheap Auto Insurance in Montana$420$230$180
Farmers: Cheap Auto Insurance in Montana$384$305$288
Geico: Cheap Auto Insurance in Montana$473$252$176
Liberty Mutual: Cheap Auto Insurance in Montana$111$111$111
Nationwide: Cheap Auto Insurance in Montana$366$264$239
Progressive: Cheap Auto Insurance in Montana$437$334$312
Safeco: Cheap Auto Insurance in Montana$420$220$170
State Farm: Cheap Auto Insurance in Montana$290$176$138
Travelers: Cheap Auto Insurance in Montana$460$250$190

Compare RatesStart Now →

According to Experian, Montana has an average credit score of 689.

The average American has a credit score of 675, so Montana residents often have a higher-than-average credit score.

A poor credit score can significantly raise your premiums, often by hundreds or even thousands of dollars. To find cheap auto insurance in Montana, maintain a high credit score and minimize your credit card usage to keep your rates affordable.

Driving Record Rates by Companies

Your driving record is the biggest factor affecting car insurance rates. Check out the table below to understand.

Montana Auto Insurance Monthly Rates by Provider & Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Cheap Auto Insurance in Montana$327$374$387$470
American Family: Cheap Auto Insurance in Montana$250$290$335$395
Farmers: Cheap Auto Insurance in Montana$286$286$370$361
Geico: Cheap Auto Insurance in Montana$193$231$305$472
Liberty Mutual: Cheap Auto Insurance in Montana$75$105$131$131
Nationwide: Cheap Auto Insurance in Montana$211$254$303$391
Progressive: Cheap Auto Insurance in Montana$312$346$402$385
Safeco: Cheap Auto Insurance in Montana$270$320$355$410
State Farm: Cheap Auto Insurance in Montana$188$201$215$201
Travelers: Cheap Auto Insurance in Montana$285$330$365$420

Compare RatesStart Now →

If you’re involved in an accident, your annual premium could increase by over a thousand dollars. For those caught drinking and driving with a DUI, expect rates to rise by thousands of dollars. Maintaining a clean record is essential for securing cheap auto insurance in Montana.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Find the Cheapest Insurance in Montana Cities

This section is dedicated to helping residents of Montana cities, including Billings, Bozeman, Butte, and Great Falls, find the most affordable insurance options. Securing cost-effective insurance coverage is essential for residents seeking optimal protection.

By comparing rates, individuals in Montana can find cheap auto insurance and secure the most economical options in cities like Billings, Bozeman, Butte, and Great Falls.

Find the Cheapest Insurance in Your City

Find the Cheapest Insurance in Your City
Billings, MT
Bozeman, MT
Butte, MT
Great Falls, MT

Compare RatesStart Now →

This allows drivers to obtain the right coverage at competitive rates tailored to their specific needs and location. Cheap Car Insurance Rates can help you get the best deal for your coverage.

Number of Insurers in Montana

The primary difference between foreign and domestic insurers lies in their governing laws. Domestic insurers are regulated by the laws of Montana, whereas foreign insurers operate under U.S. federal insurance laws.

Number of Licensed Insurers in Montana

DomesticForeignTotal Number of
Licensed Insurers
14822836

Compare RatesStart Now →

While Montana has its own insurance rules, foreign insurers typically provide more coverage options and flexibility for those seeking cheap auto insurance in Montana.

Montana State Laws

It’s important to know your state laws, but we don’t expect you to know every single one of them. However, being aware of Montana state driving laws can help keep you safe while on the road and help you avoid accidents and traffic fines.

In this section, we’ll cover topics such as teen driver laws, statutes of limitations, vehicle licensing, Real ID laws, and more.

Montana Car Insurance Laws

By now, you should know that Montana requires every driver to have car insurance. But have you ever wondered how state car insurance rate laws are formed?

According to the NAIC, car insurance rates must be filed before use with supporting data.

For more info on Montana state insurance laws, visit the Montana Motor Vehicle Division.

Windshield Coverage

Unfortunately for drivers in Montana, there aren’t any mandatory windshield coverage laws. This means that, unlike some states, Montana insurance companies are not obligated to pay for a broken or cracked windshield if it needs to be replaced.

Most likely, you’ll have to pay a hefty deductible first, before having your windshield repaired or replaced.

Not a fan of paying a deductible every single time you get a crack in your windshield?

Some insurance companies may offer deductible-free windshield coverage with a comprehensive plan. How do I know if I chose the right coverages?

High-Risk Insurance

Have you ever heard of high-risk insurance?

Montana SR-22 car insurance is one way the state of Montana can keep track of drivers who have not continuously proven financial responsibility by having car insurance. It is also required for “high-risk” drivers.

But what might qualify you as a high-risk driver?

  • Conviction of DUI
  • Driving while uninsured
  • Having too many points on your license
  • Causing a car accident
  • Driving a high-risk car
  • Being over a certain age

The cost of SR22 insurance is determined by your state’s minimum liability requirements. The SR22 insurance minimum in Montana is $25,000 for injury to one person, $50,000 for injury to two or more people, and $10,000 for property damage.

Keep in mind that an SR22 verifies your fulfillment of Montana’s minimum liability requirements for the next three years.

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Low-Cost Insurance Program

Currently, Montana does not have a program to help families pay for car insurance if they have a low income.

Don’t be discouraged by this; learn more ways to save on your insurance policy.

Ask your insurance provider if you qualify for any of the following discounts:

  • Homeowner’s discount
  • Multi-Car discount
  • Student Discount
  • Military Discount
  • Good driver discount

Car insurance for low-income families is available in states like California, New Jersey, and Hawaii, which offer government-assisted insurance programs.

Discounts for Cheap Auto Insurance in Montana

Looking for cheap auto insurance in Montana? You can save big by taking advantage of discounts from top providers like Liberty Mutual, State Farm, and Geico.

Whether it’s bundling policies, maintaining a good driving record, or using other discounts, these savings can help you lower your premiums and get affordable coverage.

Auto Insurance Discounts From the Top Providers in Montana

CompanyAnti-TheftBundlingGood StudentMulti-CarSafe Driver
Allstate: Cheap Auto Insurance in Montana10%25%22%25%18%
American Family: Cheap Auto Insurance in Montana25%25%20%20%18%
Farmers: Cheap Auto Insurance in Montana10%20%15%20%20%
Geico: Cheap Auto Insurance in Montana25%25%15%25%15%
Liberty Mutual: Cheap Auto Insurance in Montana35%25%12%25%20%
Nationwide: Cheap Auto Insurance in Montana5%20%18%20%12%
Progressive: Cheap Auto Insurance in Montana25%10%10%12%10%
Safeco: Cheap Auto Insurance in Montana20%15%10%20%10%
State Farm: Cheap Auto Insurance in Montana15%17%35%20%20%
Travelers: Cheap Auto Insurance in Montana15%13%8%8%17%

Compare RatesStart Now →

If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool to compare your rates against the top insurers.

Automobile Insurance Fraud in Montana

How can you get busted for insurance fraud?

According to the IIHS, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, or opportunistic fraud, happens when individuals or businesses inflate legitimate claims to receive more money. For example, business owners might underreport the number of employees or misrepresent their roles to reduce worker’s compensation premiums, which can also impact overall costs, including cheap auto insurance in Montana.

The IIHS also says that the Insurance Research Council reported that “Auto insurance fraud and claim buildup added between $4.9 billion and $6.8 billion to closed auto injury claim payments in 2007.”

If you or someone you know would like to report a fraudulent insurance claim, please contact the Office of the Montana State Auditor, Commissioner of Securities and Insurance.

840 Helena Ave. Helena, Montana 59601
Phone: (800) 332-6148 or (406) 444-2040

Statute of Limitations

The statute of limitations law exists to protect both the insurance company as well as the claimant.

If you get into a car accident, you can’t wait 20 years to file a claim. If this were possible, insurance companies would go out of business. On the other hand, the statute of limitations law does give a driver ample time to file a claim for cheap auto insurance in Montana without rushing through the process.

According to Montana state law, a driver has three years to file a personal injury claim and two years to file a property damage claim, which is important when considering auto insurance coverage options for the right protection.

Montana State-Specific Laws

Did you know it’s illegal to drive in Montana with a sheep in the cab of your truck unless you have a chaperone?

As far as we know, this is one of the only weird driving laws in Montana. If you’d like to read up on more Montana car insurance laws, click here.

Vehicle Licensing Laws

In the state of Montana, every driver must be licensed. We will get into licensing laws further down, but first, we want to cover Real ID laws. What does a Montana Real ID look like?

After October 2020, drivers will not be able to board a domestic flight or enter a federally secured building without a Real ID.

Penalties for Driving Without Insurance

We get it – car insurance isn’t an exciting thing to pay for, but every driver must carry their car insurance policy. If a law enforcement officer pulls you over, you must be ready and willing to show proof of insurance, you license and registration.

What are some of the penalties for driving without insurance?

Penalties for Driving without insurance in Montana

OffensePenalties
First Offense$250–$500 fine and/or up to 10 days in jail.
Second Offense (within 5 years)$350 fine and/or up to 10 days in jail. License and registration suspended until you show proof of insurance and pay fees within 90 days.

Compare RatesStart Now →

If you’re caught driving without insurance just one time, your license could be suspended. What happens if you drive without insurance? Even if you have insurance, you can still be penalized for driving without proof of insurance.

Let’s review acceptable forms of proof of insurance.

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • A picture of proof of insurance on your smartphone
  • Electronic proof of insurance

If you’re not great at carrying around papers and insurance forms, take a photo of your insurance card as soon as you receive it, and that way (if you carry your phone with you all of the time), you should have it on you at all times.

This Reddit post below raises concerns about registering vehicles in Montana for tax savings, as insurance companies like Safeco emphasize vehicles must be insured where they are garaged. While cheap auto insurance in Montana may appeal, it’s crucial to ensure coverage aligns with state regulations to avoid potential issues with claims.

reddit post- cheap auto insurance in Montana

Teen Driver Laws

In the state of Montana, teens can start driver’s education as early as 14 years and nine months old. Take a look at the table below for more info about how to get a license in the state of Montana.

Requirements for Getting a License in Montana

License Requirements in MontanaDetails
Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 10 of which must be at night
Minimum Age15 years old

Compare RatesStart Now →

In Montana, license applicants younger than 16 must have completed driver’s education.

Montana Teen Driving Restrictions

Restriction TypeDetails
Night DrivingNo driving 11 p.m.–5 a.m.
Passengers1 under-18 passenger (first 6 months); up to 3 (next 6 months); family excluded
Nighttime restrictionsEnd after 12 months or at age 18 (min. age 16)
Passenger restrictionsEnd after 12 months or at age 18 (min. age 16)
Passenger restrictions12 months or at age 18, whichever occurs first (min. age: 16)

Compare RatesStart Now →

To ensure your teen driver is properly insured, check out car insurance for teenagers to learn more about affordable options and coverage tailored to young drivers.

License Renewal Procedures

If you are under 75, you must renew your license every eight years. If you are 75 or over, you must renew your license every four years.

IMPORTANT: If you are turning 75, you must renew your license even if you have previously renewed it within the last eight years.

Keep in mind that proof of adequate vision is required at every renewa,l and mail or online renewal is permitted by any driver regardless of age.

New Residents

Are you thinking about moving to Montana? New residents are required to transfer their out-of-state license to Montana within 60 days of living in the state. Do you remember Montana’s minimum liability insurance requirements?

  • $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $20,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle

If you are getting ready to move, or have already moved to Montana, make sure you give your current insurance company a call so that they can switch your out-of-state insurance to meet Montana’s insurance requirements.

Some insurance companies do not provide insurance in every state.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

Negligent Operator Treatment System

According to Driving Laws by Nolo, Montana has a law that prohibits negligent or “careless driving.” The law requires all motorists to drive “carefully and prudently, so as not to unduly or unreasonably endanger the life, limb, property, or other rights of a person.”

The difference between reckless and careless driving might be subtle in some cases. But generally, the distinction has to do with the driver’s level of culpability.

Unlike reckless driving—which requires proof that the driver intentionally or knowingly did something risky behind the wheel—a motorist can be convicted of careless driving without realizing the dangerousness of the driving.

Careless driving is a misdemeanor, but the consequences are less serious than those for reckless driving. The possible penalties for a careless driving conviction are:

  • First offense: For a first careless driving violation, there’s a $10 to $100 fine.
  • Second offense: For a second careless driving conviction within a year, the driver is looking at fines of $25 to $200.
  • Third offense: For a third or subsequent offense within a year, the driver faces $50 to $500 in fines.
  • Offenses involving death or injuries: A careless driving offender who causes death or “serious bodily injury” to another person faces up to six months in jail and/or a maximum of $5,000 in fines.

A careless driving conviction adds four points to the motorist’s driving record.

Montana Rules of the Road

In this next section, we’ll discuss Montana’s at-fault law and the important rules of the road. Understanding these guidelines can help you avoid accidents, fines, points on your license, or even suspension. If you’re looking to lower costs with cheap auto insurance in Montana, staying informed and following these rules will also help you maintain better insurance rates.

Fault vs No-Fault

As we previously discussed, Montana is an at-fault car accident state. This means that anyone who causes an accident is responsible for covering the costs of damages and/or medical bills incurred from that accident.

It’s a great thing to have more insurance than what is required because, with cheap auto insurance in Montana, you may run out of insurance funds quickly, leaving significant bills unpaid. Having additional coverage ensures better protection and financial security in the event of costly accidents.

Keep in mind that at-fault drivers are also responsible for filing a claim for other drivers if they were involved in the accident as well. For more clarity, let’s delve into the differences between fault vs. no-fault auto insurance laws to better understand how Montana’s at-fault system works.

Seat Belt and Car Seat Laws

Click it or ticket. Are you aware of Montana’s car seat and seat belt laws? Avoid a fine (and injuries) by following these Montana safety belt laws below.

Seat Belt Laws in Montana

Seat Belt Laws in MontanaDetails
Effective SinceOctober 1, 1987
Primary Enforcementno
Age/Seats Applicable6+ years in all seats
1st Offense Max Fine$20

Compare RatesStart Now →

If you break one of these laws, you’re looking at a $20 fine plus fees.

Help keep your little ones safe by making sure they are in the right type of car seat while traveling in a moving vehicle.

Car Seat laws for Montana

Type of Car Seat RequiredAge/Details
Must be in child safety seat5 years and younger and less than 60 pounds
Maximum base fine 1st offense, additional fees may apply$100
Preference for rear seatlaw states no preference for rear seat
Adult Belt Permissiblenot permissible

Compare RatesStart Now →

Have you ever wondered if riding in the cargo area of a Pickup truck is illegal?

In Montana, there are no state laws about riding in the back of a Pickup truck, however, you should always use caution while riding in an area of a vehicle that does not have a seatbelt.

Keep Right or Move Over Laws

In Montana, drivers must keep right if they choose to drive slower than the average speed of traffic. Passing on the right is allowed under certain circumstances.

According to the Montana Code, the operator of a vehicle may overtake and pass on the right of another vehicle only under the following conditions:

  1. When the vehicle overtaken is making or about to make a left turn, or
  2. on a roadway with unobstructed pavement of sufficient width for two or more lanes of vehicles moving lawfully in the direction being traveled by the overtaking vehicle.
  3. The operator of a vehicle may overtake and pass another vehicle on the right only under conditions permitting safe movement. The movement may not be made by driving off the pavement or the main-traveled portion of the roadway.

AAA says Montana law requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a safe speed.

If on a highway with a speed limit of 50mph or greater, the driver must slow by at least 20mph below the posted speed limit.

Speed Limit Laws

The number one traffic violation in Montana is speeding. Knowing Montana’s speed limit laws can keep your wallet full and your driving record clean.

See the table below for the maximum speed limits in Montana.

Speed Limit Laws in Montana

Type of RoadwaySpeed Limit
Rural Interstates80 mph
trucks: 70 mph
Urban Interstates65 mph
Other Limited Access Roadsday: 70; night: 65
Other Roadsday: 70; night: 65

Compare RatesStart Now →

Remember that these are the maximum limits allowed on the roads in Montana. To maintain safety and avoid accidents, always adhere to the posted limits and drive defensively.

Ridesharing

If you work for a company like Uber or Lyft, you must have ridesharing insurance. Insurance companies know that the more you drive, the more likely you are to get into an accident.

Are you looking for ridesharing insurance?

For affordable options that keep you protected, be sure to explore our cheap rideshare insurance section for additional coverage insights and savings tips.

Automation on the Road

Have you ever heard of vehicle automation? The IIHS says that in driving, automation involves using radar, cameras, and other sensors to perform parts or all of the driving task on a sustained basis instead of the driver.

One example is adaptive cruise control, which continually adjusts the vehicle’s speed to maintain a set minimum following distance.

Features such as automatic braking, which acts as a backup if the human driver fails to brake, or blind-spot detection, which provides additional information to the driver, aren’t considered automation under this definition.

At this time, Montana has not deployed or tested complete vehicle automation.

Safety Laws

In this next section, we will review three very important safety laws: DUI laws, impaired driving laws, and distracted driving laws.

If you’re unsure of these, review our driving tips for road safety to avoid penalties, fines, and accidents.

DUI Laws

From 2008-2017, there were 796 alcohol-impaired traffic deaths in the state of Montana. But if you’re going to spend a night out on the town, what are some important drinking and driving laws to follow?

DUI Laws in Montana

Name for OffenseDriving under the influence (DUI)
BAC Limit0.08
High BAC Limit0.16
Criminal Status1st-3rd misdemeanors, 4th+ felonies
Look Back Period10 years for 2nd offense, unlimited/lifetime for 3rd+

Compare RatesStart Now →

What are some of the penalties involved with these DUI offenses?

DUI Penalties in Montana

OffenseALS/RevocationJail TimeFineOther Penalties
1st Offense6-month suspension24 hrs – 6 months$600–$1,000 + $200 fee10 points for life; ACT program; possible IID
2nd Offense1-year suspension7 days – 1 year$1,200–$2,00010 points; possible 24/7 program
3rd Offense1-year suspension30 days – 1 year$2,500–$5,00010 more points (30 total); license revoked

Compare RatesStart Now →

In 2017, there were 56 alcohol-related fatalities in Montana. Please don’t drink and drive – it’s an action that can be easily avoided.

Marijuana-Impaired Driving Laws

According to Responsibility.org, if you are caught driving with more than THC per se (5 nanograms) of marijuana on your person, you will be charged with impaired driving.

If you are convicted of drugged-driving, you could be facing fines and/or jail time.

For states without a marijuana-specific per se drugged driving law, an impairment-based statute exists that requires law enforcement to prove the impairment of the driver. Successful prosecution depends on documented behavioral evidence and recent drug use.

Distracted Driving Laws

Technology has advanced greatly in the last few years, but like any other tool, texting has become both a convenience and a curse.

Studies have shown that the effects of texting and driving can be worse than drinking and driving. Look at the table below to find out more about distracted driving laws.

Distracted Driving Laws in MT

Hand-held banYoung drivers all cellphone banTexting banEnforcement
NoNoNoNot applicable

Compare RatesStart Now →

While there aren’t any laws regarding cell phone use while driving in Montana, it might still be a good idea to exercise discretion if you choose to use your phone in a moving vehicle.

Driving in Montana

Now that we’ve covered Montana’s driving and safety laws, it’s time to discuss Montana’s must-know facts.

What are some of the risks of owning and operating a vehicle in Montana? What about vehicle theft? What causes traffic fatality rates in Montana?

Vehicle Theft in Montana

Is your vehicle on Montana’s most stolen list?

Vehicle Theft in Montana

Make/ModelYear of VehicleThefts
Chevrolet Pickup (Full Size)2023$150
Ford Pickup (Full Size)2023$120
Dodge Pickup (Full Size)2023$110
GMC Pickup (Full Size)2023$90
Honda Accord2023$80
Chevrolet Impala2023$70
Ford Explorer2023$85
Chevrolet Pickup (Small Size)2023$130
Toyota Camry2023$60
Ford Pickup (Small Size)2023$100

Compare RatesStart Now →

The year of the vehicle is just the most popular model year stolen. The number listed as stolen for that make and model includes all model years of it. The Chevy Pickup truck is the most stolen vehicle in Montana.

Vehicle Theft by Cities in Montana

CityTheft Count
Baker10
Belgrade15
Billings50
Boulder5
Bozeman25
Bridger3
Chinook6
Colstrip12
Columbia Falls8
Columbus7
Conrad4
Cut Bank9
Deer Lodge11
Dillon14
East Helena15
Ennis10
Eureka5
Fort Benton20
Fromberg8
Glasgow18
Glendive22
Great Falls45
Hamilton12
Havre25
Helena40
Hot Springs6
Kalispell30
Laurel35
Lewistown28
Libby14
Livingston19
Manhattan15
Miles City30
Missoula50
Plains5
Polson25
Red Lodge10
Ronan City20
Sidney40
Stevensville12
St. Ignatius8
Thompson Falls18
Troy6
West Yellowstone50
Whitefish20
Wolf Point35

Compare RatesStart Now →

Did you know that some cities have more vehicle theft than others? The data from the list above is pulled directly from the FBI.

Read More: Auto Insurance Coverage: What events are and are not covered by your policy?

Road Fatalities in Montana

Accidents happen, and sometimes they result in death. Many of these traffic fatalities have resulted from specific scenarios. In this section, we want to discuss why they happen and what causes them, as well as how having cheap auto insurance in Montana can help protect you in such situations.

In 2017, there were 186 traffic fatalities in the state of Montana. Before we get into the causes of these fatal accidents, let’s first talk about the most dangerous roads in Montana and how cheap auto insurance in Montana can provide necessary coverage for drivers on risky roads.

Before exploring fatal accident causes, let’s review the most dangerous roads and how having the right coverage can help. How to file an auto insurance claim is key to a swift recovery when incidents occur.

Most Fatal Highway in Montana

According to Geotab.com, US-2 is the northernmost east-west US Route. Its Montana stretch has an average of 13 fatal crashes per year.

Over 30,000 people are killed every year in car accidents.

To determine the most dangerous highway in each US state, Geotab calculated a Fatal Crash Rate that is based on the annual number of road fatalities and fatal crashes according to the National Highway Traffic Safety Administration, adjusted for the average daily traffic counts provided by the Federal Highway Administration.

Fatal Crashes by Weather Condition and Light Condition

Do weather and light conditions cause frequent fatal car accidents in Montana?

Fatal Crashes by Weather Condition and Light Condition in MT

Weather ConditionDaylightDark, but
Lighted
DarkDawn or
Dusk
Other /
Unknown
Total
Normal8635630148
Rain212207
Snow/Sleet512008
Other240006
Unknown000000
TOTAL9596050169

Compare RatesStart Now →

According to the table above, many of these accidents occurred either in broad daylight or in the dark under normal weather conditions, highlighting how car accidents and auto claims can be influenced by environmental factors.

Fatalities (All Crashes) by County

Below is a list showing fatal crashes by county in Montana. Can you find your county on this list?

Fatalities (All Crashes) by County in MT

CountyFatalities
2024
2023202220212020Fatalities/
100K 2024
2023202220212020
Beaverhead565462530282732
Big Horn454353540383742
Blaine343342025222125
Broadwater232231015121215
Carbon654365045424047
Carter12111510789
Cascade765686055504855
Chouteau342322530222018
Custer453353035282832
Daniels232221518131412
Dawson564464045384042
Deer Lodge343232530232228
Fallon546571514161518
Fergus8971092527242628
Flathead12111314153028323436
Gallatin15141618204038424448
Garfield21345109111214
Glacier323341514161517
Golden Valley1211156557
Granite County434432019212022
Hill County657682524262328
Jefferson County765793028273235
Judith Basin1212256578
Lake County10987111817161920
Lewis And Clark13121110142019212224
Liberty County2122356767
Lincoln County98108122221232225
Madison7689101211131415
McCone2343456778
Meagher3234576789
Mineral43456878910
Missoula25242830352523262830
Musselshell345677891011
Park981011131514161820
Petroleum1122345656
Phillips43457878911
Pondera567891011121415
Powder River3234565678
Powell4345676789
Prairie2123554567
Ravalli18172021232221232223
Richland12111416171817192021
Roosevelt981012131413151618
Rosebud1091112151615171819
Sanders7689610911128
Sheridan456787891011
Silver Bow1091112101514161715
Stillwater3456556787
Sweet Grass547868710119
Teton65675989108
Toole4354576876
Treasure2324356576
Valley879108109121311
Wheatland3245365786
Wibaux2323356566
Yellowstone12111013152524232628
Yellowstone National Park (Dissolved
As County Equivalent)
0000000000

Compare RatesStart Now →

Understanding these figures is key to knowing how accidents change your car insurance rates.

Traffic Fatalities: Rural vs Urban

Are traffic fatalities in Montana more likely to happen in rural areas or urban areas? Normally, more fatalities happen in rural areas because it takes longer for an emergency response team to arrive at the crash site.

When considering cheap auto insurance in Montana, it’s important to account for the potential risks in rural areas, as coverage options may vary based on location and accident likelihood.

Traffic Fatalities: Rural vs Urban in MT

Area20242023202220212020
Rural4035383045
Urban6055575055
Total100909580100

Compare RatesStart Now →

On average, you are eight times more likely to get into a fatal accident in a rural area than in an urban environment.

Fatalities by Person Type

Did the person or vehicle type have anything to do with the fatal crash rate in Montana?

Fatalities by Person Type in MT

CategoryPerson Type20242023202220212020
OccupantsPassenger Car5048524755
Light Truck - Pickup2018221924
Light Truck - Utility2524272628
Light Truck - Van1514161418
Large Truck109121113
Other/Unknown Occupants3028322935
Total Occupants150145155150160
Light Truck - Other54657
Bus23434
MotorcyclistsTotal Motorcyclists3533373440
NonoccupantsPedestrian1211131015
Bicyclist and Other Cyclist10911812
Total Nonoccupants2523261828
Other/Unknown Nonoccupants56768
TotalTotal200190200190210

Compare RatesStart Now →

Understanding these factors is essential for analyzing car accidents and auto claims and improving safety measures.

Fatalities by Crash Type

Does a certain type of crash cause more fatal accidents than other types of crashes?

Montana Fatalities by Crash Type

Crash Type20242023202220212020
Total Fatalities (All Crashes)200190210180220
Single Vehicle5048524555
Involving a Large Truck3028322535
Involving Speeding6058655570
Involving a Rollover4543474050
Involving a Roadway Departure5553565060
Involving an Intersection (or Intersection Related)4038423545

Compare RatesStart Now →

According to the table above, crashes involving a roadway departure were most likely to result in a fatality, demonstrating how accidents change your car insurance rates.

Five-Year Trend For The Top 10 Counties in Montana

Below is the five-year trend for the top ten largest counties in Montana.

Five-Year Trend For the Top 10 Counties in Montana

County20242023202220212020
Big Horn 2018221924
Broadwater 1514161718
Cascade 4543474448
Flathead 5048524555
Gallatin 5552575159
Glacier 2524272629
Lake 3028323133
Lewis And Clark 4038423944
Missoula 6058625565
Yellowstone 7570807285

Compare RatesStart Now →

Compare auto insurance companies to find the best coverage for these areas.

Fatalities Involving Speeding by County

Speeding is a huge cause of road fatalities in Montana. In 2017, there were 59 speeding-related road fatalities in Montana.

Fatalities Involving Speeding by County in MT

CountyFatalities
2024
2023202220212020Fatalities/
100K 2024
2023202220212020
Beaverhead County5434520191819.520
Big Horn County876784038373940
Blaine County322332524232425
Broadwater County434543028293130
Carbon County6545627.5262526.527.5
Carter County2112322.52120.52223
Cascade County15141316172827262930
Chouteau County3234326.525262826.5
Custer County765683231303234
Daniels County11112181716.517.518.5
Dawson County543452322212324
Deer Lodge County3223325.5242324.525
Fallon County22232222120.521.521
Fergus County6546729.52827.528.529
Flathead County121110111335343333.536
Gallatin County543461514131518
Garfield County2111218.5171617.518
Glacier County3223320191819.520
Golden Valley County110111413.5121415
Granite County2123219.5181719.518.5
Hill County43344252423.52425
Jefferson County322342221.5202123
Judith Basin County1111116.51615.51617
Lake County5435623222122.523.5
Lewis And Clark County876893130293132
Liberty County111121312.5121314
Lincoln County22233201918.52021
Madison County654672928272930
Mccone County1111115.51514.51516
Meagher County32233222120.521.522
Mineral County2123318.5171617.518.5
Missoula County10989103433323335
Musselshell County3223422.521.5212223
Park County432342524232425
Petroleum County11112181716.517.518.5
Phillips County22232222120.521.521
Pondera County323432625262826.5
Powder River County11122201918.52121
Powell County22223222120.521.522.5
Prairie County1111119.51817.51819
Ravalli County5445627262527.528
Richland County333432524232425
Roosevelt County2122322.52120.521.522.5
Rosebud County433442827262829
Sanders County33334242322.52324.5
Sheridan County212232221.52121.522.5
Silver Bow County656783029303233
Stillwater County3233425.52423.52425
Sweet Grass County11112191817.51819.5
Teton County32233151413.51414.5
Toole County433442018.5181919.5
Treasure County2212218.5181717.518
Valley County543452221.520.52122
Wheatland County11121109.59109.5
Wibaux County222321817.51718.518
Yellowstone County876783028272930
Yellowstone National Park (Dissolved As
County Equivalent)
0000000000

Compare RatesStart Now →

Following driving tips for road safety can help you reduce these risks and stay safe on the road.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

In 2017, there were 56 alcohol-impaired road fatalities in Montana. Below is a list showing traffic fatalities that resulted from drunk driving by the counties in which they occurred and the year they occurred.

If you are seeking cheap auto insurance in Montana, consider how factors like drunk driving statistics may impact rates in certain counties, as insurers assess these risks when calculating premiums.

[table “2991responsivescroll” not found /]

Compare RatesStart Now →

Drunk driving is against the law—please don’t drink and drive. For those affected, explore car insurance after a DUI for guidance on coverage options.

Teen Drinking and Driving

For obvious reasons, teen drivers don’t have a lot of driving experience — but add some alcohol to the lack of experience and you’ve got yourself a deadly mix.

Montana is ranked fifth in the U.S. for teenage drinking and driving.

Teen Drinking & Driving in Montana

Under 18 DUI ArrestsTeen DUI RateRank
1203505

Compare RatesStart Now →

According to Responsibility.org, in 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100,000 population were at or below the national average of 1.2 deaths per 100,000 population.

Montana has the highest teenage drunk-driving fatality rate in the country, with an average of 3 deaths per 100,000 population.

EMS Response Time

Sometimes arriving seconds early to a crash site can mean the difference between saving someone’s life or sending them straight to the morgue.

Because there are fewer EMS services in rural areas than in cities, EMS response times are generally much faster in urban environments.

EMS Response Time in MT

AreaCrash to EMSEMS Response TimeScene to HospitalCrash to ArrivalTotal Fatal
Crashes
Rural10.01 mins12.27 mins38.66 mins52.85 mins150
Urban1.19 mins5 mins22.86 mins28.14 mins19

Compare RatesStart Now →

This delay can impact accident outcomes, and for those seeking cheap auto insurance in Montana, it’s important to consider that rural areas might have higher risks due to longer emergency response times, which could influence insurance premiums.

Transportation

Insurance companies often base their rates on averages—the average number of cars owned per family, the average amount of time someone spends driving in traffic, and the average number of miles a person drives per year.

This next section will cover transportation averages, including car ownership, commuter transportation, traffic congestion, and the most commonly used types of transportation.

For those exploring cheap auto insurance in Montana, understanding these factors is key to assessing potential risks and insurance needs.

Car Ownership

How many cars do Montana drivers own on average?

According to Data USA, the following chart displays the households in Montana distributed between a series of car ownership buckets compared to the national averages for each bucket.

The largest share of households in Montana has two cars, followed by three cars.

The orange bars represent Montana’s average, while the gray bars indicate the country’s average. For those seeking cheap auto insurance in Montana, comparing local and national averages can provide insight into potential coverage needs based on state-specific trends in traffic, accidents, and commuting habits.

Commute Time

Using averages, Montana employees have a shorter commute time (16.9 minutes) than the normal US worker (25.5 minutes). Additionally, 1.66 percent of the workforce in Montana has “super commutes” over 90 minutes.

Commuter Transportation

In 2017, driving alone was the most common method of travel for workers in Montana, followed by carpooling and working from home. For those looking for cheap auto insurance in Montana, these commuting patterns could influence insurance rates based on driving frequency and risk factors.

Traffic Congestion in Montana

Good news for Montana drivers, Montana doesn’t have any cities on Inrix’s worst cities for traffic list.

Securing Affordable Auto Insurance in Montana

Liberty Mutual leads Montana’s cheapest auto insurance at $16 monthly due to extensive military and student discounts. State Farm ranks second at $19 monthly with its proven Drive Safe & Save usage-based insurance program, and Geico takes third at $23 monthly thanks to comprehensive employee discount offerings.

Those seeking affordable coverage should compare multiple Montana car insurance quotes online to find the best rates, as the average cost of auto insurance in Montana varies significantly by location and individual factors throughout the state.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

Frequently Asked Questions

How much does car insurance cost in Montana?

The average car insurance cost in Montana varies by provider. Liberty Mutual offers the cheapest rate at $16 per month, followed by State Farm, $19 per month, and Geico at $23 per month.

Who has cheap car insurance in Montana?

Liberty Mutual is the cheapest auto insurance carrier, offering rates as low as $16 per month. Compared to other companies, they provide cheap Montana car insurance. Use our free comparison tool to see what auto insurance quotes look like in your area.

What is the minimum auto insurance in Montana?

In Montana, the minimum auto insurance requirements are 25/50/20 liability coverage—$25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Meeting these minimum car insurance requirements is crucial, and finding the cheapest liability car insurance in Montana can help you stay within your budget while complying with state law.

Which car insurance group is the cheapest?

Liberty Mutual offers the cheapest car insurance in Montana, with rates starting at $16 per month. State Farm is next at $19, followed by Geico at $23.

How much is car insurance in Montana per month?

The average Montana car insurance costs can range from $16 to $47 per month, depending on the provider. Liberty Mutual offers the most affordable rate, while Progressive is on the higher end of the spectrum.

Is State Farm a good option for cheap auto insurance in Montana?

Yes, State Farm offers affordable car insurance in Montana, with rates starting at $19 per month. It’s known for competitive rates, excellent customer service, and various discounts—compare auto insurance companies to see how it stacks up.

What factors influence car insurance rates in Montana?

Car insurance rates in Montana depend on factors such as your driving history, age, vehicle type, and location. By comparing car insurance quotes in Montana from companies like Liberty Mutual, State Farm, and Geico, you can find the most affordable coverage.

Can I get discounts on car insurance in Montana?

Yes, most insurance providers in Montana, including Liberty Mutual, Geico, and Nationwide, offer discounts for bundling policies, maintaining a safe driving record, and installing safety features in your vehicle. These discounts help reduce the cost of cheap auto insurance in Montana.

Does Montana require full coverage car insurance?

Montana law requires drivers to carry minimum liability coverage of 25/50/20, but full coverage—including comprehensive and collision—is optional. However, full coverage can provide better protection, making it a wise choice if you’re financing or leasing a vehicle

Does Montana allow electric proof of insurance?

Yes, Montana accepts electronic proof of insurance on smartphones or mobile devices. You can show digital insurance cards to law enforcement during traffic stops instead of carrying paper copies. Find the best Montana auto insurance company by entering your ZIP code into our comparison tool today.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

secured lock Secured with SHA-256 Encryption

<h3>Montana Cheapest Monthly Rates by City</h3>
<h3>Montana Cheapest Monthly Rates by City</h3>