The cost of car insurance in Montana can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Montana is $1,751 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
Key takeaways
- The average cost of auto insurance in Montana is $1,751 per year for a 30-year-old driver.
- USAA is the cheapest car insurance company in Montana that offers full coverage policy at about $928 per year or $77 monthly.
- In Montana, Progressive is the cheapest company for teens, USAA is the cheapest company for young drivers. On the other hand, Progressive is the cheapest company for adults, and Progressive is the cheapest company for seniors.
- Based on the driving history of a driver in Montana, the cheapest company for drivers with a speeding ticket is USAA, and State Farm is the cheapest for drivers with DUI.
- Cheapest car insurance companies in Montana
- Cheapest car insurance for teens in Montana
- Cheapest car insurance for young drivers in Montana
- Cheapest car insurance for adults in Montana
- Cheapest car insurance for seniors in Montana
- Cheapest car insurance rates in Montana by driving record
- Average cost of car insurance in Montana
- Compare car insurance by city in Montana
Cheapest car insurance companies in Montana
USAA is the cheapest car insurance company in Montana that offers full coverage policy at about $928 per year or $77 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Montana.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $928 | $77 |
| Progressive | $940 | $78 |
| State Farm | $1,346 | $112 |
| Nationwide | $1,421 | $118 |
| Geico | $2,073 | $173 |
| Farmers | $2,156 | $180 |
| Allstate | $2,449 | $204 |
| Kemper Insurance | $2,692 | $224 |
Cheapest car insurance for teens in Montana
Progressive is the cheapest car insurance provider for teen drivers in Montana. It offers insurance at about $2,910 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| Progressive | $2,910 |
| USAA | $3,227 |
| State Farm | $3,410 |
| Nationwide | $4,421 |
| Geico | $6,406 |
| Farmers | $6,661 |
| Allstate | $8,553 |
| Kemper Insurance | $9,222 |
Cheapest car insurance for young drivers in Montana
The cheapest car insurance company for young drivers in Montana is USAA at about $1,481 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| USAA | $1,481 |
| Progressive | $1,489 |
| State Farm | $2,066 |
| Nationwide | $2,310 |
| Farmers | $2,868 |
| Allstate | $3,419 |
| Geico | $3,839 |
| Kemper Insurance | $4,887 |
Cheapest car insurance for adults in Montana
According to Insurance.com's rate analysis, Progressive offers the cheapest car insurance for adults in Montana. Its average rate is $929 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Montana.
| Company | Average annual premium |
|---|---|
| Progressive | $929 |
| USAA | $966 |
| State Farm | $1,345 |
| Nationwide | $1,405 |
| Geico | $2,049 |
| Farmers | $2,130 |
| Allstate | $2,448 |
| Kemper Insurance | $2,820 |
Cheapest car insurance for seniors in Montana
Progressive offers the cheapest car insurance for seniors in Montana. The average annual premium offered is $905. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in Montana:
| Company | Average annual premium |
|---|---|
| Progressive | $905 |
| USAA | $914 |
| State Farm | $1,252 |
| Nationwide | $1,380 |
| Farmers | $1,976 |
| Kemper Insurance | $2,276 |
| Geico | $2,392 |
| Allstate | $2,404 |
Cheapest car insurance rates in Montana by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with poor credit: Progressive
Progressive has the cheapest auto insurance for drivers with poor credit at about $2,747 annually. If you have poor credit, getting cheap car insurance can be challenging. But the only way to find affordable auto insurance is by shopping around and comparing quotes from multiple insurers.| Company | Average annual premium |
|---|---|
| Progressive | $1,956 |
| USAA | $1,984 |
| Nationwide | $2,243 |
| Geico | $2,382 |
| State Farm | $2,695 |
| Kemper | $3,173 |
| Farmers | $3,604 |
| Allstate | $3,935 |
Cheapest auto insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your record, USAA offers the cheapest car insurance at about $2,085 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| USAA | $1,036 |
| State Farm | $1,416 |
| Progressive | $1,650 |
| Nationwide | $1,958 |
| Geico | $2,152 |
| Farmers | $2,608 |
| Allstate | $2,759 |
| Kemper | $3,103 |
Cheapest auto insurance after an at-fault accident : USAA
USAA offers the cheapest car insurance after an at-fault accident. Its average cost for Montana drivers is $2,544 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| USAA | $1,209 |
| State Farm | $1,497 |
| Progressive | $1,914 |
| Nationwide | $2,444 |
| Geico | $2,868 |
| Farmers | $3,188 |
| Allstate | $3,454 |
| Kemper | $3,776 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Montana at $2,786 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in Montana, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $1,416 |
| Progressive | $1,515 |
| USAA | $1,747 |
| Kemper | $2,702 |
| Farmers | $3,064 |
| Nationwide | $3,113 |
| Allstate | $3,373 |
| Geico | $5,355 |
Average cost of car insurance in Montana
The average car insurance rate for full coverage in Montana is $1,751 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in Montana is $343 annually.
Compare car insurance by city in Montana
| Car Insurance in | Belgrade, MT |
| Car Insurance in | Flaxville, MT |
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