Best and Cheapest Car Insurance in Montana (Big Savings With These 10 Companies in 2024!)
The top picks for the best and cheapest car insurance in Montana are USAA, Liberty Mutual, and State Farm. This article provides a comprehensive comparison of rates for teen drivers, married couples, and seniors, offering insights into the most affordable options.
You will also find an analysis of the cheapest and most expensive areas in Montana for car insurance, as well as a breakdown of state minimum requirements. Discover how to save on your premiums and get the best coverage for your needs.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $14 | Military Savings | A++ | USAA |
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#2 | $16 | Coverage Options | A | Liberty Mutual |
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#3 | $19 | Good Student | B | State Farm |
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#4 | $23 | Federal Discounts | A++ | Geico |
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#5 | $24 | UBI Availability | A+ | Nationwide |
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#6 | $30 | Discount Options | A++ | Travelers |
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#7 | $34 | Young Volunteers | A | American Family |
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#8 | $42 | Safe-Driving Discounts | A+ | Allstate |
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#9 | $45 | Available Discounts | A | Farmers |
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#10 | $47 | Qualifying Coverage | A+ | Progressive |
For a deeper understanding, check out our detailed guide, "Top Ways Customers Have Saved Money On Car Insurance Rates." Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.
What You Should Know
- Compare reviews to find the best and cheapest car insurance in Montana
- Tailor your search to specific needs like teen drivers, married couples, or seniors
- USAA offers top rates starting at $14 for car insurance in Montana
On this page:
- Who offers the cheapest teen car insurance rates in Montana?
- Who offers the cheapest car insurance rates for a married couple in Montana?
- Who offers the cheapest senior car insurance rates in Montana?
- 10 Cheapest areas in Montana for car insurance
- 10 Most expensive areas in Montana for car insurance
- Minimum car insurance coverage and limits in Montana
#1 – USAA: Top Overall Pick
Pros
- Affordable Rates: According to our USAA customer ratings, USAA offers competitive rates that may be among the cheapest for car insurance in Montana.
- Military Discounts: Special discounts for military members can further lower premiums.
- Good Coverage Options: USAA provides comprehensive coverage options suitable for Montana residents.
Cons
- Membership Limitations: USAA membership is restricted to military personnel and their families.
- Limited Availability: Not everyone qualifies for USAA membership, limiting access to its insurance products in Montana.
#2 – Liberty Mutual: Best for Coverage Options
Pros
- Flexible Coverage: Liberty Mutual offers a wide range of coverage options that can be tailored to meet Montana drivers' needs.
- Online Tools: Our Liberty Mutual insurance customer reviews highlights Liberty Mutual's convenient online tools making it easy to manage policies and claims.
- Financial Stability: Rated A by A.M. Best, ensuring reliability in paying claims.
Cons
- Higher Premiums: Liberty Mutual's premiums in Montana may be higher compared to some competitors.
- Customer Service: Some customers report mixed experiences with customer service quality.
#3 – State Farm: Best for Good Students
Pros
- Discounts for Students: State Farm offers discounts for good student drivers, which can help reduce costs in Montana.
- Local Agents: Access to local agents provides personalized service and support.
- Strong Financial Rating: Our analysis of State Farm insurance customer reviews reveals that State Farm is rated B by A.M. Best, indicating good financial stability.
Cons
- Premium Costs: Even with discounts, premiums for young drivers in Montana may still be relatively high with State Farm.
- Discount Limitations: Discounts may not be as extensive for drivers who are not students.
#4 – Geico: Best for Federal Discounts
Pros
- Federal Employee Discounts: Geico offers discounts tailored for federal employees residing in Montana.
- Financial Strength: A++ rating by A.M. Best ensures Geico's ability to handle claims.
- User-Friendly Tools: Geico provides intuitive online tools for policy management.
Cons
- Varied Premiums: Premium rates in Montana can vary based on location and driving history.
- Customer Satisfaction: Mixed reviews regarding customer service experiences. You may explore our comparison article on "GEICO vs. Progressive: Which car insurance company do customers say is better?"
#5 – Nationwide: Best for UBI Availability
Pros
- Usage-Based Insurance (UBI): Our assessment of Nationwide customer reviews illustrates Nationwide offers UBI options that can lead to lower premiums based on driving habits in Montana.
- Comprehensive Coverage: Wide coverage options suitable for Montana residents.
- Stable Financial Standing: Rated A+ by A.M. Best, indicating strong financial stability.
Cons
- UBI Limitations: Availability and discounts for UBI may vary based on location and driving behavior.
- Costs: Premium rates may be average compared to other insurers offering similar coverage in Montana.
#6 – Travelers: Best for Discount Options
Pros
- Multiple Discounts: Travelers provides a variety of discounts, including multi-policy and safe-driving discounts in Montana.
- Financial Stability: Our Travelers Companies, Inc. customer reviews indicates Travelers' A++ rating by A.M. Best ensures reliability.
- Customizable Policies: Policies can be customized to fit specific needs in Montana.
Cons
- Higher Premiums for New Drivers: New or young drivers may face higher premiums with Travelers in Montana.
- Claims Process: Some find the claims process to be more complex compared to other insurers.
#7 – American Family: Best for Young Volunteers
Pros
- Discounts for Young Volunteers: Our examination of American Family Insurance customer ratings shows American Family offers special discounts for young volunteers and community members in Montana.
- Local Service: Personalized service with local agents.
- Financial Strength: A rating by A.M. Best ensures stability.
Cons
- Availability: Services and discounts may not be available in all areas of Montana.
- Premium Costs: Rates may be higher for certain demographics in Montana.
#8 – Allstate: Best for SafeDriving Discounts
Pros
- Safe-Driving Rewards: Allstate offers rewards and discounts for safe driving behaviors in Montana.
- Coverage Options: Based on our Allstate customer reviews, Allstate offers extensive coverage options suitable for Montana drivers.
- Customer Support: Responsive customer service.
Cons
- Premium Costs: Allstate's premiums in Montana may be higher compared to competitors.
- Claims Handling: Some customers report delays or issues with the claims process.
#9 – Farmers: Best for Available Discounts
Pros
- Numerous Discounts: Farmers provides a wide array of discounts, including multi-policy and bundling options in Montana.
- Local Agents: Access to local agents for personalized service.
- Financial Stability: The results of our Farmers insurance customer reviews suggests Farmers boasts on its A rating by A.M. Best ensuring reliability.
Cons
- Higher Rates for New Drivers: New or inexperienced drivers may face higher premiums with Farmers in Montana.
- Online Tools: Farmers' online tools for policy management may not be as advanced as competitors'.
#10 – Progressive: Best for Qualifying Coverage
Pros
- Customizable Policies: The findings from our Progressive insurance customer reviews demonstrates Progressive offers customizable coverage options tailored to Montana residents.
- Innovative Tools: Tools like Name Your Price® can help find affordable policies in Montana.
- Financial Stability: A+ rating by A.M. Best ensures reliability.
Cons
- Higher Rates for High-Risk Drivers: High-risk drivers may face higher premiums with Progressive in Montana.
- Complex Discounts: Understanding and qualifying for discounts may require more effort.
Minimum Car Insurance Coverage and Limits in Montana
Montana requires drivers to purchase bodily injury and property damage liability insurance. The minimum coverage limits required by the state are detailed below, but it’s important to consider purchasing higher limits, as these likely wouldn’t provide enough coverage in the event of a costly accident. While bodily injury liability will cover a small accident, you would be responsible for anything that goes far beyond your chosen limits. Delve more details on what does liability car insurance cover.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $42 | $154 |
| American Family | $34 | $125 |
| Farmers | $45 | $164 |
| Geico | $23 | $82 |
| Liberty Mutual | $16 | $59 |
| Nationwide | $24 | $88 |
| Progressive | $47 | $171 |
| State Farm | $19 | $70 |
| Travelers | $30 | $111 |
| USAA | $14 | $50 |
Montana insurance companies also are required to offer drivers uninsured/underinsured motorist coverage, but you can decline this coverage by signing a coverage waiver form. If you opt out of this coverage, you won’t be covered for accidents caused by drivers without insurance, drivers without sufficient coverage, or hit-and-run drivers. It’s worth nothing that 9.9 percent of Montana drivers are without insurance, according to 2015 data from the Insurance Information Institute.
When selecting your policy, you also should consider some of the optional coverages available in the state. Two of the most common optional coverages are collision insurance and comprehensive insurance, which offer a higher level of protection for your vehicle. Other optional coverages include medical payments and rental reimbursement.
Montana state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $20,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Best and Cheapest Car Insurance for Teens in Montana
This table outlines the monthly rates for car insurance for 18-year-old males and females in Montana, comparing the top 10 providers. Teen drivers often face higher premiums due to their inexperience, making it essential to find affordable options. This comparison aims to help families identify the best insurance deals for their young driver.
For teen drivers, explore more information on our "The Cost Benefits to Taking a Defensive Driving Course."
| Insurance Company | Age: 18 Female | Age: 18 Male |
|---|---|---|
| Allstate | $150 | $165 |
| American Family | $101 | $137 |
| Farmers | $161 | $161 |
| Geico | $72 | $72 |
| Liberty Mutual | $33 | $33 |
| Nationwide | $66 | $66 |
| Progressive | $173 | $173 |
| State Farm | $59 | $59 |
| Travelers | $184 | $256 |
| USAA | $49 | $49 |
These rates are based on profiles for 18-year-old male and female drivers in Montana. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.
Best and Cheapest Car Insurance Rates for Married Couples in Montana
Here, the monthly car insurance rates for the best car insurance companies for married couples in Montana comparing the top 10 providers. Married couples typically benefit from lower insurance rates due to their perceived lower risk. This table helps couples find the most affordable and suitable insurance options available to them.
| Insurance Company | Rates |
|---|---|
| Allstate | $47 |
| American Family | $43 |
| Farmers | $51 |
| Geico | $29 |
| Liberty Mutual | $19 |
| Nationwide | $27 |
| Progressive | $56 |
| State Farm | $21 |
| Travelers | $35 |
| USAA | $18 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.
Best and Cheapest Car Insurance Rates for Seniors in Montana
This table displays the monthly car insurance rates for senior drivers in Georgia, highlighting the top 10 providers. Insurance rates for seniors can vary based on their driving history and age-related factors. By comparing these providers, seniors can find cost-effective insurance plans that meet their specific needs.
Expand your knowledge on our guide titled "6 Ways to Save on Senior Driver Car Insurance."
| Insurance Company | Age: 65 Female | Age: 65 Male |
|---|---|---|
| Allstate | $41 | $41 |
| American Family | $33 | $34 |
| Farmers | $44 | $44 |
| Geico | $22 | $22 |
| Liberty Mutual | $16 | $16 |
| Nationwide | $24 | $24 |
| Progressive | $46 | $46 |
| State Farm | $19 | $19 |
| Travelers | $29 | $30 |
| USAA | $13 | $13 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.
Most Affordable Areas in Montana for Car Insurance
The best and cheapest car insurance companies' rates in Montana vary by area of the state. Discover and compare the monthly car insurance rates across various cities in Georgia, identifying the most affordable areas. Local factors such as crime rates, traffic density, and regulatory conditions can impact insurance costs. Residents can use this table to understand how their location influences their insurance premiums.
| City | Rates |
|---|---|
| East Helena | $93 |
| Fort Harrison | $94 |
| Helena | $94 |
| Missoula | $95 |
| Milltown | $96 |
| Lolo | $96 |
| Radersburg | $97 |
| Ringling | $97 |
| Avon | $97 |
| Frenchtown | $97 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas in Montana for Car Insurance
In addition to your age and marital status, your location within Montana affects your car insurance rates. Highlighting the monthly car insurance rates in different cities, this table focuses on the most expensive areas in Georgia. Higher insurance costs in these areas can result from factors like higher accident rates and vehicle theft. This comparison informs residents about the financial impact of living in these high-cost regions.
Discover more details on "Why Is Car insurance So Expensive?"
| City | Rates |
|---|---|
| Wyola | $117 |
| Fort Smith | $116 |
| Lodge Grass | $116 |
| Dodson | $116 |
| Hays | $116 |
| Hogeland | $116 |
| Broadus | $115 |
| Harlem | $115 |
| Red Lodge | $115 |
| Turner | $115 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.
Factors Affecting Car Insurance Rate in Montana
When searching and comparing quotes from the best auto insurance companies in Montana, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Age, Gender, & Marital Status
- Driving Record & Annual Mileage
- Your Car’s Make, Model, and Year
- Location & Credit Score
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why does that happen, especially when you have a clean record?
Uncover additional information on our "How does my credit score affect my insurance premium?"
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident.
They would also be more likely to start shopping around, which would reduce the amount in reserve to pay claims for those who stayed. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Strategies for Saving Money on Car Insurance in Montana
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Montana car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium. Check out 14 ways to get cheap car insurance.
To possibly lower your car insurance premiums, think about combining your car insurance with other policies and raising your deductibles. Paying your entire policy upfront and choosing usage-based insurance can also be beneficial. Stay vigilant about price fluctuations and regularly search for better rates. Moreover, inquire about discounts offered and compare several quotes to discover the most economical choice.
How Clearsurance Ranks Montana Car Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. Be guided on the top 10 car insurance companies that customers are likely to recommend in Clearsurance reviews.
Conclusion: Essentials of Car Insurance Coveragen
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive insurance coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Montana?
Out of the five largest Montana companies companies, State Farm is the cheapest car insurance option for both male and female teen drivers on average.
Who offers the cheapest car insurance rates for a married couple in Montana?
You can find the average Montana car insurance rates for a married couple with two cars on a policy from the five largest Montana companies in the table on this page. Out of these five, State Farm offers the cheapest car insurance rates for married couples in Montana on average.
Who offers the cheapest senior car insurance rates in Montana?
State Farm provides the cheapest car insurance rates for male and female drivers on average in Montana when compared to the other most popular auto insurers in the state.
How much does car insurance cost in Montana?
In Montana, the monthly cost for minimum car insurance is approximately $34, and for full coverage, it averages $201.
What is the best and cheapest insurance for car?
USAA excels as the best and cheapest car insurance in Montana for its affordable rates, military discounts, and good coverage options.
What is the minimum car insurance coverage in Montana?
In Montana, the law mandates that all car owners must have at least the following levels of insurance coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, $20,000 for property damage per accident, and $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.
What type of car insurance is cheapest?
Generally, the cost of fully comprehensive insurance tends to be the lowest, although rates can vary based on personal factors.
Why is car insurance so high in Montana?
Montana faces occasional severe weather threats, which may drive up the average cost of car insurance in the state. Additionally, Montana has a high traffic fatality rate, with 19.6 deaths per 100,000 residents, which also likely affects insurance costs.
How does car insurance work in Montana?
Montana's law mandates that all registered vehicles have liability insurance. This insurance covers damages caused to others when you are at fault in an accident. It includes coverage for both bodily injuries and property damage as specified in the policy.
What is the lowest form of car insurance?
The minimum car insurance usually required is state-mandated liability coverage. This coverage helps pay for injuries and damages for which you are legally responsible in an accident.
Which type of car insurance is best?
Comprehensive car insurance policy as this type of insurance offers extensive protection. It includes coverage for both third-party liabilities and damages to your vehicle. Additionally, with comprehensive coverage, if an accident results in your death, your family members will receive a benefit as compensation.
Is Montana a no-fault state?
Like most states, Montana follows a "fault" or "tort" system for car accidents. This means that the driver who is found to be responsible for the accident is liable for paying the damages (financial compensation) for any injuries and property damage resulting from the accident.
What does uninsured motorist cover in Montana?
Your uninsured motorist coverage, together with your standard liability coverage, can help cover property damage and medical expenses. However, there are cases where the damages you incur exceed the limits of your uninsured/underinsured motorist coverage, making it challenging to fully recover the costs of your injuries.