Go To Top
Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

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

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.

CompanyAverage annual premiumAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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:

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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 inBelgrade, MT
Car Insurance inFlaxville, MT