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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
NationwideA+8100.643.93$1,394
State FarmA++8210.73.86$1,858
GeicoA++7970.913.49$2,382
ProgressiveA+8070.653.36$2,414
AllstateA+7830.653.07$2,949
FarmersA7960.82.95$2,939
Kemper InsuranceA-7362.161.69$2,692

Data updated in 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
USAA$144$181$919
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 offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

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

Average auto insurance rates in Montana
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
59901 - Kalispell
For a 30-year-old male
$35 State minimum
$194 Full coverage
$52 Liability only

Most & least expensive ZIP codes for auto insurance in Montana

Most Expensive

ZIP codeCityHighest rate
59448Heart Butte$209
59043Lame Deer$209
59068Red Lodge$209
59034Hardin$208

Least Expensive

ZIP codeCityLowest rate
59808Missoula$167
59803Missoula$167
59602Helena Valley West Central$168
59802Missoula$168
Data updated in 2024
Read our full methodology

Montana 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 insurance 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.

State minimum auto insurance coverage in Montana, MT
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Montana by age

company_name
Cheapest for teens
$4,069/yr
Learn more
company_name
Cheapest for adults
$1,396/yr
Learn more
company_name
Cheapest for seniors
$1,270/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
Nationwide$4,568$381
USAA$4,571$381
State Farm$5,611$468
Geico$8,061$672
Progressive$10,254$855
Farmers$11,100$925
Kemper Insurance$11,584$965
Allstate$11,982$999
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Montana by driver profile

company_name
Cheapest for at-fault accident
$2,075/yr
Learn more
company_name
Cheapest for DUI
$1,960/yr
Learn more
company_name
Cheapest for speeding ticket
$1,960/yr
Learn more

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. 

CompanyClean recordAccidentSpeeding ticket
USAA$919$1,241$1,111
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 offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Montana

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Montana.

CityAnnual insurance premium
Belgrade
$2,018
Billings
$2,157
Flaxville
$2,196
Missoula
$1,908
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Montana have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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 deductible.

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.  

Tip icon You might also be interested in