Best Montana Auto Insurance in 2025 (Your Guide to the Top 10 Companies)

The top picks for the best Montana auto insurance are State Farm, Geico, and Allstate, renowned for their superior coverage and customer service.

These companies offer a variety of policies that cater to diverse needs and budgets, ensuring comprehensive protection for Montana drivers. Learn more in our complete “Best Auto Insurance Companies.”

Our Top 10 Company Picks: Best Montana Auto Insurance

As you navigate through the complexities of auto insurance requirements in the state, these providers stand out by offering tailored solutions that enhance driver safety and satisfaction. This article explores the advantages of choosing from these leading insurers, helping you make an informed decision to secure optimal coverage.

Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

#1 – State Farm: Top Overall Pick

Pros

• Bundling Policies: State Farm offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: State Farm provides a substantial discount for low-mileage usage.
• Wide Coverage: State Farm offers various coverage options tailored to different business needs. Discover insights in our guide titled “State Farm Auto Insurance Review.”

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, State Farm’s premiums might still be relatively higher for certain coverage levels.

#2 – Geico: Best for Cheap Rates

Pros

• Competitive Multi-Vehicle Discount: Geico offers a 15% discount for insuring multiple vehicles.
• Excellent Financial Strength: Rated A++ by A.M. Best, indicating superior financial health. Learn more by reading our guide titled “Geico Auto Insurance Review.”
• Affordable Premiums: Known for offering some of the lowest insurance rates in the industry.

Cons

• Customer Service Variability: Some customers report variability in service quality across different regions.
• Policy Customization: Fewer options for coverage customization compared to other insurers.

#3 – Allstate: Best for Add-on Coverages

Pros

• Variety of Add-on Options: Allstate provides numerous add-ons for comprehensive coverage customization.
• Robust Online Tools: Offers a range of online tools for claims and policy management. Access comprehensive insights into our guide titled Allstate auto insurance review.
• Solid Financial Rating: Holds an A+ rating from A.M. Best, ensuring strong financial reliability.

Cons

• Higher Cost: Generally, premiums are higher, especially without discounts.
• Discounts Dependence: Best rates are typically available only with multiple discounts applied.

#4 – Progressive: Best for Online Convenience

Pros

• User-Friendly Online Platform: Known for a superior online service that makes managing policies and filing claims easy.
• Competitive Multi-Vehicle Discount: Offers a 15% discount for multiple vehicles. Delve into our evaluation of Progressive auto insurance review.
• Innovative Tools: Provides tools like the Name Your Price® tool for personalized rate options.

Cons

• Customer Service Issues: Some users report less satisfactory interactions with customer service.
• Rate Fluctuations: Customers may experience rate increases at renewal without a clear explanation.

#5 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Travelers offers accident forgiveness policies, preventing premium hikes after your first accident.
• High Financial Rating: Rated A++ by A.M. Best, showcasing financial excellence. See more details in our guide titled “Travelers Auto Insurance Review.”
• Flexible Policy Options: Offers a range of options that can be tailored to individual needs.

Cons

• Pricing: May be more expensive compared to other options without qualifying for discounts.
• Complexity in Policy Selection: Some customers find the selection process for the right coverages complex.

#6 – Nationwide: Best for Usage Discount

Pros

• SmartRide Discount: Nationwide offers discounts for safe driving through its SmartRide program.
• Broad Coverage Options: Provides a comprehensive range of coverage options for various needs.
• Strong Financial Stability: Maintains an A+ rating from A.M. Best. Read up on the Nationwide auto insurance review for more information.

Cons

• Variable Customer Service: Customer service quality can vary significantly depending on the region.
• Policy Costs: This can be higher before applying usage-based discounts.

#7 – USAA: Best for Military Savings

Pros

• Exclusive Military Benefits: USAA offers specific benefits and discounts for military members and their families.
• Top-Tier Customer Service: Consistently rated highly for customer satisfaction.
• Exceptional Financial Strength: Rated A++ by A.M. Best. Unlock details in our guide titled USAA auto insurance review.

Cons

• Limited Availability: Services are only available to military members, veterans, and their families.
• Less Local Agents: Fewer physical locations compared to other major insurers.

#8 – Farmers: Best for Local Agents

Pros

• Strong Agent Network: Farmers has a robust network of local agents providing personalized service.
• Comprehensive Coverage Options: Offers a wide variety of coverage options including unique add-ons.
• High Multi-Vehicle Discount: Provides a 15% discount for multi-vehicle policies. More information is available about this provider in our Farmers auto insurance review.

Cons

• Higher Premiums: Generally, premiums are higher than some competitors.
• Inconsistency in Customer Experiences: Customer satisfaction can vary greatly depending on the local agent.

#9 – American Family: Best for Student Savings

Pros

• Discounts for Students: Offers significant discounts for students maintaining good grades.
• Customizable Coverage: Flexible policy options to suit various customer needs.
• Good Financial Health: Maintains a solid A rating from A.M. Best. See more details in our guide titled “American Family Auto Insurance Review.”

Cons

• Availability: Services may not be available in all states.
• Rate Adjustments: Customers may experience unexpected rate increases.

#10 – Liberty Mutual: Best for Customizable Policies

Pros

• Highly Customizable Policies: Offers a wide range of options for personalizing coverage.
• Largest Multi-Vehicle Discount: Provides the highest multi-vehicle discount at 18%. Discover more about offerings in our complete Liberty Mutual auto insurance review.
• Strong Online Presence: Well-developed online tools for managing policies and filing claims.

Cons

• Premium Costs: These can be higher than competitors, especially for basic coverage.
• Mixed Reviews on Claims Process: Some customers report dissatisfaction with the claims process.

Detailed Comparison of Monthly Auto Insurance Rates in Montana

Understanding the cost differences between minimum and full coverage auto insurance in Montana can help you make an informed decision about your insurance needs. The following section breaks down the monthly rates provided by various insurance companies.

Montana Auto Insurance Monthly Rates by Coverage Level & Provider

The monthly rates for minimum coverage auto insurance in Montana vary significantly across different providers. For instance, Liberty Mutual offers the lowest rate at $23, while Progressive presents the highest at $67. Read more in our “What are the recommended auto insurance coverage levels?“

Conversely, when considering full coverage, USAA offers the most affordable option at just $71 per month, while Progressive’s full coverage is the most expensive at $243 per month. This range in pricing highlights the importance of comparing insurance offerings to ensure that you receive the best coverage for your financial situation.

Notably, companies like State Farm and Geico also offer competitive rates, with State Farm charging $27 for minimum coverage and $100 for full, and Geico offering $32 and $118 respectively. These figures illustrate how premium costs can differ based on the level of coverage and the insurance provider.

Finding Cheap Auto Insurance in Montana 

Knowing what to look for in terms of coverage and other rate factors can help you find the cheapest car insurance company for your needs. Below, we’ve covered in detail which companies sell the cheapest coverages, which companies are cheapest for different driving records, and more. 

Cheapest Liability Auto Insurance Rates in Montana 

Every driver in Montana must carry minimum liability auto insurance to drive legally. However, how much drivers pay depends partially on their choice of insurance company. The annual cost of minimum liability insurance can range anywhere from $200 to well over $500. 

Take a look at the average rates below to see which company sells the cheapest liability car insurance in Montana. 

Montana Minimum Coverage Auto Insurance Monthly Rates by Provider

USAA is one of the cheapest companies in Montana for minimum liability insurance, but keep in mind it is only for military members and veterans. Check out our USAA auto insurance review for more information. If you aren’t military or a veteran, then other good choices based on cost might be Progressive or State Farm. 

It’s important to note that we recommend carrying more than minimum liability insurance if you can. Not carrying full coverage could leave you financially bankrupt after an accident, as minimum liability insurance only covers damages to others’ cars and others’ injuries if you cause an accident. 

Cheapest Full Coverage Auto Insurance Rates in Montana 

Full coverage auto insurance may cost more, but you will be better protected after an accident. The comprehensive and collision insurance included in full coverage will pay for repairs to your car if you cause an accident. By shopping around at different insurance companies, you can find a more affordable rate for full coverage. 

Montana Full Coverage Auto Insurance Monthly Rates by Provider

USAA, Progressive, and State Farm offer some of the cheapest rates for full coverage in Montana, saving customers more than $1,000 compared to companies like Allstate. 

Cheapest Montana Auto Insurance Rates for Bad Credit 

Montana insurance companies can use credit scores as a factor when determining a driver’s rates. Drivers with poor credit scores are seen as higher risk because they are more likely to miss payments and therefore risk their insurance being canceled. The best auto insurance companies for drivers with bad credit are companies that penalize drivers less based on credit. 

Montana Full Coverage Auto Insurance Monthly Rates by Credit Score & Provider

Once again, the cheapest Montana car insurance company for bad credit is USAA. Progressive and Geico are also good choices. If you find your Montana insurance rates increased due to poor credit, improving your credit score can reduce your premiums over time.

Cheapest Montana Auto Insurance Rates for At-Fault Accidents 

An at-fault accident can increase your rates by hundreds of dollars because you are seen as a higher risk by your insurance company. The best way to reduce your rates is to keep a clean driving record after an accident, but shopping around can help you find cheap rates in Montana on auto insurance for drivers with accidents. 

Montana Full Coverage Auto Insurance Monthly Rates by Provider: One Accident vs. Clean Record

Keep in mind that your car insurance rates in Montana will increase with each claim if you have multiple at-fault accident claims.

One way to avoid rate increases with your first at-fault insurance claim is to pick one of the best accident forgiveness auto insurance companies, where your rates won’t increase with your first at-fault claim with the company if you have a prior clean driving record. 

Cheapest Montana Auto Insurance Rates for DUIs 

A DUI is often worse than an at-fault accident if you’re looking for the best car insurance rates in Montana. If you get a DUI, you should shop around to find the best auto insurance for drivers with a DUI.

Montana Full Coverage Auto Insurance Monthly Rates: Clean Record vs. DUI

Progressive auto insurance is one of the insurance companies that raise Montana insurance rates the least for a DUI, followed by companies like State Farm auto insurance. On the other hand, Geico and Allstate may be some of the more expensive companies to stay with if you get a DUI. Either way, you should compare quotes from various companies to get cheap car insurance in Montana.

Cheapest Montana Auto Insurance Rates for Teenagers 

It’s no secret that young drivers pay more than older drivers due to young drivers’ lack of driving experience. It is often cheapest for teenagers and young drivers to join their parent’s insurance policy, but if young drivers must purchase their own policy, choosing the best auto insurance for teens is vital.

Montana Teen Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

If you’re a young driver, avoid companies like Allstate or Farmers, where an auto insurance policy could cost you well over $7,000 annually. Choosing a cheaper company like USAA or State Farm could save you thousands of dollars each year in auto insurance costs.

Cheapest Montana Auto Insurance Rates by City

Just as states vary in average insurance rates due to location factors, your insurance rates will change from city to city as you move around in Montana. Billings, Montana, has some of the most expensive average insurance costs, costing a few hundred dollars more on average than other cities.

Since you’ll find car insurance companies in Billings more expensive, it can be helpful to get multiple car insurance quotes to find the cheapest Billings, MT auto insurance. You can also find affordable rates in other populated cities in Montana, including Great Falls, MT auto insurance.

Montana Auto Insurance Cost Overview by City

Explore the varying landscape of auto insurance expenses across Montana’s cities as we break down the costs to help you make informed decisions. Start comparing rates now for a tailored insurance solution.

Montana Auto Insurance Cost by City

To secure the best auto insurance rates, actively compare offerings from various providers across Montana’s diverse cities.

Montana Auto Insurance Requirements and Laws 

Following Montana’s auto insurance laws and requirements is the best way to ensure you don’t end up fined and with higher insurance rates. Read on to learn more about the required Montana auto insurance, common DUI penalties, and more.

Montana Minimum Auto Insurance Coverages Required

All Montana drivers must carry minimum liability insurance to drive. Finding the cheapest liability car insurance in Montana isn’t difficult, since rates average $33 monthly. Drivers must carry the limits below to meet Montana’s auto insurance requirements: 

• Bodily Injury Liability: $25,000 per person and $50,000 per accident 
• Property Damage Liability: $20,000 per accident 

These limits are fairly low, so we recommend carrying a higher Montana insurance limit if you can afford it. For example, if you crash into a car worth $40,000 and total it, your insurance will only cover $20,000, leaving you on the hook for the rest. Shopping around for cheap auto insurance in Montana can make it easier to afford higher limits. 

Optional Auto Insurance Coverage in Montana 

Besides bodily injury and property damage liability insurance, all other auto insurance coverages are optional in Montana. The exception is if you have a lease or loan on your car, in which case your lender will require you to carry collision and comprehensive insurance. For the most part, however, you can choose whether you want to carry the following Montana auto insurance coverages: 

• Comprehensive Auto Insurance
• Collision Auto Insurance
• Gap Insurance 
• Modified Car Insurance 
• Non-Owner Auto Insurance
• Rental Car Reimbursement Coverage
• Roadside Assistance Coverage
• Uninsured Motorist (UM) Coverage
• Umbrella Insurance 

While adding some of these coverages raises your Montana auto insurance rates, you have better protection against financial losses after an accident.

So, compare rates from the best car insurance companies in Montana to get cheap rates on the coverages listed above.

Montana DUI Auto Insurance Laws

DUIs will raise auto insurance rates in Montana, costing drivers hundreds or thousands of dollars more each year. However, Montana’s DUI penalties will also result in a host of other possible consequences, such as the following: 

• Driving Record Points
• Fines
• Ignition Interlock Device (IID)
• License Suspension
• Possible Jail Time
• Restricted Driver’s License
• Sobriety Programs
• SR-22 Certificate

The severity of penalties depends on whether there were previous offenses and how many. A first DUI offense will have much lighter charges than a third DUI.

Montana SR-22 Auto Insurance Laws 

High-risk drivers may be ordered to apply for an SR-22 auto insurance certificate, which is a form of high-risk auto insurance proving you meet Montana auto insurance requirements.

DUIs, suspended licenses, and similar offenses will result in drivers having to request an SR-22 certificate. Read more about the best auto insurance companies for high-risk drivers. We’ve outlined how different drivers can obtain an SR-22 certificate below.

How to Get Montana SR-22 Auto Insurance Coverage

You must contact your insurance company if you already have an insurance policy. Your insurance company will apply for the SR-22 insurance certificate. If your insurance company won’t do this for you or drops you as a customer, you’ll need to find a new insurance company. 

If you don’t currently have an insurance company, you may have to pay a fee when you apply for a new company to file your SR-22 form. Some insurance companies may also refuse to sell you insurance because you’re a high-risk driver.

Read More:

• Geico SR-22 Insurance Review
• Progressive SR-22 Insurance Review

Finally, you must purchase non-owner’s car insurance to qualify for an SR-22 certificate if you don’t own a car. After all, SR-22 certificates prove you have the right insurance, so you’ll need to learn more about how to get non-owner SR-22 auto insurance.

Get the Cheapest Montana Auto Insurance Policy and Save

Finding cheap car insurance in Montana doesn’t have to be complicated. Knowing what affects your insurance rates, such as the types of auto insurance you buy, and shopping around goes a long way to keeping your Montana auto insurance rates down.

If you have a serious infraction on your driving record, such as a DUI, shopping around is the best way to get the most affordable rates. Wondering how to lower your auto insurance? Enter your ZIP code into our free quote comparison tool below to get compare cheap car insurance rates in Montana.