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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 $1,588 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.

Cheapest car insurance companies in Montana

Metropolitan P&C is the cheapest car insurance company in Montana that offers full coverage policy at about $723 per year or $60 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
Metropolitan P&C$723$60
United Svcs Automobile Assn$876$73
Progressive Direct$1,167$97
State Farm Mutl Automobile Ins$1,183$99
Depositors$1,284$107
GEICO General$1,944$162
Mid-Century$2,286$191
Allstate F&C$2,314$193
Alpha P&C$2,518$210

Cheapest car insurance for teens in Montana

State Farm is the cheapest car insurance provider for teen drivers in Montana. It offers insurance at about $3,200 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
State Farm Mut Auto$3,200
Geico Gen$4,816
Depositors$5,191
Progressive Northwestern$7,551
Mid Century$7,877
Allstate Fire & Cas$9,126

Cheapest car insurance for young drivers in Montana

The cheapest car insurance company for young drivers in Montana is State Farm at about $1,931 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
State Farm Mut Auto$1,931
Depositors$2,651
Geico Gen$3,086
Mid Century$3,122
Allstate Fire & Cas$3,546
Progressive Northwestern$3,931

Cheapest car insurance for adults in Montana

According to Insurance.com's rate analysis, State Farm offers the cheapest car insurance for adults in Montana. Its average rate is $1,254 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Montana.

CompanyAverage annual premium
State Farm Mut Auto$1,254
Depositors$1,586
Geico Gen$1,710
Mid Century$2,229
Progressive Northwestern$2,230
Allstate Fire & Cas$2,555

Cheapest car insurance for seniors in Montana

State Farm offers the cheapest car insurance for seniors in Montana. The average annual premium offered is $1,172. 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
State Farm Mut Auto$1,172
Depositors$1,566
Geico Gen$2,031
Progressive Northwestern$2,085
Mid Century$2,164
Allstate Fire & Cas$2,537

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: United

United has the cheapest auto insurance for drivers with poor credit at about $2,016 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
United$2,016
Progressive$2,058
Depositors$2,273
Metropolitan$2,359
Geico$2,382
State Farm$2,784
Mid-Century$3,495
Allstate$3,947
Alpha P&C$3,983

Cheapest auto insurance for drivers with a speeding ticket: United

If you have a speeding ticket on your record, United offers the cheapest car insurance at about $1,197 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
United$1,197
State Farm$1,459
Progressive$1,716
Depositors$1,980
Geico$2,152
Metropolitan$2,404
Mid-Century$2,664
Allstate$2,765
Alpha P&C$3,927

Cheapest auto insurance after an at-fault accident : United

United offers the cheapest car insurance after an at-fault accident. Its average cost for Montana drivers is $1,310 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
United$1,310
State Farm$1,543
Metropolitan$1,882
Progressive$1,984
Depositors$2,471
Geico$2,868
Mid-Century$3,125
Allstate$3,461
Alpha P&C$4,800

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 $1,459 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$1,459
Progressive$1,582
United$1,931
Metropolitan$2,769
Mid-Century$3,003
Depositors$3,141
Allstate$3,379
Alpha P&C$3,400
Geico$5,355

Average cost of car insurance in Montana

The average car insurance rate for full coverage in Montana is $1,588 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 $431 annually.

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