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.

Best car insurance companies in Montana

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

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.

Best car insurance companies in Montana
Company AM BestAvg. Annual PremiumJD PowerNAICInsurance.com score
NationwideA+$1,3948100.643.93
State FarmA++$1,8588210.703.86
GeicoA++$2,3827970.913.49
ProgressiveA+$2,4148070.653.36
AllstateA+$2,9497830.653.07
FarmersA$2,9397960.802.95
Kemper InsuranceA-$2,6927362.161.69

Cheapest car insurance companies in Montana

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 price quotes from all the major insurance providers in Montana and put together a list of the cheapest car insurance companies. 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 is the cheapest company that is open to all drivers, with an average annual rate of $1,394 for full coverage in Montana.

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.

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 - Evergreen
For a 30-year-old male
$34 State minimum
$156 Full coverage
$47 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Montana

Most Expensive

Zip CodeCityHighest Rate
59089Wyola$174
59035Fort Smith$173
59050Lodge Grass$172
59075Saint Xavier$170

Least Expensive

Zip CodeCityLowest Rate
59602Helena$134
59635East Helena$134
59636Fort Harrison$134
59601Helena$135

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 car 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. 

Cheapest car insurance by age in Montana
Age Company Avg annual premium 
Teens (16-19)USAA*$3,222
Teens (16-19)Nationwide$4,069
Teens (16-19)State Farm$4,786
Teens (16-19)Geico$7,276
Teens (16-19)Progressive$7,369
Teens (16-19)Farmers$8,899
Teens (16-19)Kemper Insurance$9,223
Teens (16-19)Allstate$9,627
Young Adults (20-24)USAA*$1,463
Young Adults (20-24)Nationwide$2,289
Young Adults (20-24)State Farm$2,881
Young Adults (20-24)Farmers$3,646
Young Adults (20-24)Progressive$4,057
Young Adults (20-24)Geico$4,375
Young Adults (20-24)Allstate$4,724
Young Adults (20-24)Kemper Insurance$4,883
Adults (25-60)USAA*$940
Adults (25-60)Nationwide$1,396
Adults (25-60)State Farm$1,833
Adults (25-60)Geico$2,334
Adults (25-60)Progressive$2,455
Adults (25-60)Kemper Insurance$2,719
Adults (25-60)Farmers$2,804
Adults (25-60)Allstate$2,915
Seniors (65-75)USAA*$934
Seniors (65-75)Nationwide$1,270
Seniors (65-75)State Farm$1,739
Seniors (65-75)Kemper Insurance$2,311
Seniors (65-75)Progressive$2,335
Seniors (65-75)Geico$2,636
Seniors (65-75)Allstate$2,900
Seniors (65-75)Farmers$2,923

*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.

Below are average Montana rates by company for drivers with accidents and tickets on their driving record. 

Cheapest car insurance companies for tickets and accidents in Montana
CompanyClean record AccidentSpeeding Ticket
USAA*$899$1,288$1,142
Progressive$1,221$2,133$1,702
State Farm$1,334$1,497$1,416
Nationwide$1,413$2,654$2,039
Geico$1,944$3,141$2,180
Farmers$2,278$3,523$2,608
Allstate$2,460$3,663$2,806
Kemper Insurance$2,577$4,012$3,184

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

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

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.  

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