- Best car insurance companies in Montana: Nationwide
- Cheapest car insurance companies in Montana: Nationwide
- Average cost of car insurance in Montana
- Montana car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Montana
- Cheapest car insurance cost in Montana by age
- Cheapest car insurance companies in Montana by driver profile
- Compare auto insurance rates by city in Montana
- Car insurance premium trends in Montana
- Methodology
- Compare Montana car insurance rates with other states
Best car insurance companies in Montana: Nationwide
Nationwide is the best car insurance company in Montana that is open to all drivers, based on an analysis by Insurance.com, with an overall rating of 3.93. State Farm, GEICO, Progressive, and Allstate are the best car insurance companies in Montana.
Below is a full list of the top Montana insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Nationwide | A+ | 810 | 0.64 | $1,394 | 3.93 |
| State Farm | A++ | 821 | 0.7 | $1,858 | 3.86 |
| GEICO | A++ | 797 | 0.91 | $2,382 | 3.49 |
| Progressive | A+ | 807 | 0.65 | $2,414 | 3.36 |
| Allstate | A+ | 783 | 0.65 | $2,949 | 3.07 |
| Farmers | A | 796 | 0.8 | $2,939 | 2.95 |
| Kemper Insurance | A- | 736 | 2.16 | $2,692 | 1.69 |
Cheapest car insurance companies in Montana: Nationwide
Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Montana but is available only to military members and their families, with average rates of $919 annually or $76 a month for full coverage. Nationwide offers the cheapest full coverage car insurance in Montana that is open to all drivers, with an average annual rate of $1,394. It also offers the cheapest liability car insurance in Montana at $351 per year.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered car insurance quotes in Montana from all the major insurance providers and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Nationwide | $201 | $351 | $1,394 |
| State Farm | $244 | $390 | $1,858 |
| GEICO | $249 | $402 | $2,382 |
| Progressive | $359 | $506 | $2,414 |
| Kemper Insurance | $477 | $585 | $2,692 |
| Farmers | $519 | $1,169 | $2,939 |
| Allstate | $611 | $731 | $2,949 |
| USAA | $144 | $181 | $919 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Montana
The average car insurance rate in Montana is $2,193 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Montana is $350.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Montana
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Lame Deer | $2,514 | $209 |
| Red Lodge | $2,505 | $209 |
| Heart Butte | $2,502 | $209 |
| Larslan | $2,496 | $208 |
| Troy | $2,496 | $208 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Missoula | $2,017 | $168 |
| Helena Valley West Central | $2,021 | $168 |
| Orchard Homes | $2,025 | $169 |
| Milltown | $2,027 | $169 |
| Fort Harrison | $2,031 | $169 |
The Montana Commissioner of Securities and Insurance says...
The premium for your insurance may be different from the quote you initially receive for several reasons. For example, if you told the company or its agent that you have a perfect driving record and you don't, your premium will be higher than your quote. Be sure to get rate quotes and coverage information in writing.
- The Montana Commissioner of Securities and InsuranceMontana car insurance requirements
You need car insurance with minimum coverage levels of 25/50/20 in Montana, which costs $345 each year or $29 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Montana:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $20,000 per accident
Cheapest car insurance companies for minimum liability coverage in Montana
According to Insurance.com, Nationwide has the cheapest state minimum liability coverage, at $200 per year or $17 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Montana.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $144 | $12 |
| Nationwide | $200 | $17 |
| State Farm | $244 | $20 |
| GEICO | $249 | $21 |
| Progressive | $354 | $30 |
| Kemper Insurance | $477 | $40 |
| Farmers | $486 | $40 |
| Allstate | $611 | $51 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Montana by age
In Montana, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of driving experience.
Nationwide offers the cheapest car insurance for teen drivers in Montana at $4,069 per year for a full coverage policy. USAA offers cheaper rates if you are eligible.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Montana, Nationwide offers the cheapest full coverage auto insurance for adult and senior drivers at $1,396 per year and $1,270 per year, respectively. If you are eligible, USAA offers cheaper rates.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Nationwide | $4,568 | $381 |
| USAA | $4,571 | $381 |
| State Farm | $5,611 | $468 |
| GEICO | $8,061 | $672 |
| Progressive | $10,254 | $854 |
| Farmers | $11,100 | $925 |
| Allstate | $11,982 | $998 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Montana by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for insurance. The severity and frequency of the incidents on your record will also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
In Montana, State Farm, on the other hand, provides the cheapest car insurance available to most drivers with an accident, priced at $2,075 per year. USAAoffers cheaper rates for drivers with an accident, at $1,241 per year; however, it caters specifically to the military community.
Additionally, State Farm offers the cheapest car insurance rates for drivers with a speeding ticket, averaging $1,960 per year. USAA offers cheaper rates but has eligibility criteria.
Below are average Montana auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| State Farm | $1,858 | $2,075 | $1,960 |
| GEICO | $2,382 | $3,499 | $2,638 |
| Progressive | $2,414 | $3,658 | $2,889 |
| Kemper | $2,692 | $3,946 | $3,239 |
| Allstate | $2,949 | $4,375 | $3,288 |
| Farmers | $2,939 | $4,064 | $4,719 |
| USAA | $919 | $1,241 | $1,111 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Montana
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Montana will impact what you pay. Below, we've gathered Montana car insurance rates by city for comparison.
Car insurance premium trends in Montana
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Montana to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Montana car insurance rates with other states
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