Which Is The Best Auto Insurance In Montana? Coverage And Cost Explained

Discover the best auto insurance options in Montana with comprehensive coverage and competitive rates for your needs.

 Best auto Insurance In Montana
Best auto Insurance In Montana

Key Takeaways:

Our study found that Progressive offers the cheapest car insurance in Montana, with an average premium of $70 per month.

The data shows that the average cost of car insurance in Montana is $127 per month.

To save on car insurance, you can increase your deductible, maintain a clean driving history, and compare car insurance quotes for the best price.

An infographic on Best auto Insurance In Montana

The Best Auto Insurance In Montana: Progressive

Progressive is the cheapest car insurance provider in Montana, according to our nationwide study, with an annual rate of $837.

This represents significant savings compared to the statewide average rate of $1,525, as determined by our analysis.

The most expensive car insurance company in Montana, on average, is Farmers, with a sample rate of $2,511 per year.

Also Read: Australia’s Insurance Champions: Top Brokers Shine Bright in a Challenging Market

Factors which influence your insurance rates

  • your driving record
  • the vehicle you own
  • your ZIP code

The Best Auto Insurance Rates For Teen Drivers

USAA and Progressive offer the best auto insurance rates for teen drivers in Montana.

The average annual rate for 17-year-old female drivers is $5,198, while for 17-year-old male drivers, it’s $5,293.

USAA provides the lowest rates for both groups, with an average annual rate of $2,923.

For teen drivers who don’t qualify for USAA, Progressive offers an average rate of $2,957 for both groups.

Among the companies surveyed, Allstate has the highest sample rate, averaging $9,222 per year for female and male teen drivers.

COMPANY 17-YEAR-OLD FEMALE 17-YEAR-OLD MALE
USAA $2,923 $2,923
Progressive $2,957 $2,957
State Farm $3,054 $3,054
Geico $4,391 $4,391
Statewide Average $5,198 $5,293
Nationwide $5,719 $5,719
Farmers $8,124 $8,783
Allstate $9,222 $9,222

 

Also Read: How much is car insurance for 16 year olds? Navigating the Expenses

The Best Auto Insurance Rates For Young Drivers: Progressive

According to our study, the average auto insurance rate for a 25-year-old single female in Montana is $1,685 per year, and for a 25-year-old single male, it’s $1,713 per year.

In this age group, Progressive offers the cheapest average rate, at $936 for all people.

Farmers has the highest sample rates in our study, with average annual costs of $2,704 for females and $2,900 for males.

COMPANY 25-YEAR-OLD FEMALE 25-YEAR-OLD MALE
Progressive $936 $936
USAA $1,011 $1,011
State Farm $1,220 $1,220
Geico $1,550 $1,550
Statewide Average $1,685 $1,713
Nationwide $2,004 $2,004
Allstate $2,367 $2,367
Farmers $2,704 $2,900

 

The Best Auto Insurance Rates For Adult Drivers

USAA and Progressive offer the best auto insurance rates for adults in Montana.

On average, a 35-year-old married woman and a 35-year-old married man both pay $1,512 per year for car insurance in the state.

USAA provides the lowest rate at $834 per year, followed closely by Progressive at $836 per year.

Farmers, on the other hand, has the highest sample rates in our analysis, with $2,439 for women and $2,436 for men.

COMPANY 35-YEAR-OLD FEMALE 35-YEAR-OLD MALE
USAA $834 $834
Progressive $836 $836
State Farm $1,134 $1,134
Geico $1,432 $1,432
Statewide Average $1,512 $1,512
Nationwide $1,744 $1,744
Allstate $2,167 $2,167
Farmers $2,439 $2,436

 

The Best Auto Insurance Rates For Older Drivers

Progressive offers the cheapest car insurance rates for older people in Montana.

The average annual rate for a 60-year-old married female driver is $1,355, with Progressive being the most affordable option at an average of $739 per year.

Similarly, the average rate for a 60-year-old married male driver is $1,375, with Progressive again providing the lowest average annual rate at $739.

We found that Farmers has the highest sample rates for older females and men in Montana, with averages of $2,221 and $2,365 per year, respectively.

COMPANY 60-YEAR-OLD FEMALE 60-YEAR-OLD MALE
Progressive $739 $739
USAA $748 $748
State Farm $1,005 $1,005
Geico $1,314 $1,314
Nationwide $1,497 $1,497
Allstate $1,960 $1,960
Farmers $2,221 $2,365

Additionally, there are Statewide Average premiums:

  • For 60-year-old females: $1,355
  • For 60-year-old males: $1,375

The Best Auto Insurance Rates For Good Drivers

Good drivers in Montana pay lower rates than drivers with accidents or infractions.

Progressive offers the cheapest car insurance rates for good drivers, with an average annual rate of $837.

Our analysis shows that Farmers is the most expensive company in Montana for good drivers, with a sample rate of $2,511.

Cheapest Car Insurance Rates for Good Drivers belong to Progressive.

The average rate for a good driver matches the state’s overall average rate of $1,525 per year.

COMPANY CLEAN RECORD
Progressive $837
USAA $865
State Farm $1,120
Geico $1,432
Nationwide $1,748
Allstate $2,165
Farmers $2,511

Additionally, there’s a Statewide Average for clean records: $1,525.

The Best Auto Insurance Rates For Good Drivers After a Speeding Ticket

Progressive offers the cheapest car insurance rates after a speeding ticket, with an average annual rate of $1,086.

In Montana, after receiving just one speeding ticket, the average car insurance rate increases to $1,727 per year.

Farmers is the most expensive insurer for drivers with a speeding ticket, with an average rate of $2,511 per year.

COMPANY WITH 1 SPEEDING VIOLATION
Progressive $1,086
USAA $1,129
State Farm $1,182
Geico $1,615
Nationwide $2,165
Allstate $2,398
Farmers $2,511

Additionally, there’s a Statewide Average for drivers with 1 speeding violation: $1,727.

The Best Auto Insurance Rates For Good Drivers After An Accident

After an accident, car insurance rates increase for Montana drivers.

The average annual rate for drivers with an accident history in Montana is $2,158.

USAA and State Farm offer the cheapest car insurance rates after an accident.

USAA has the lowest average annual rate of $1,147, while State Farm is the preferred option for most drivers with an average rate of $1,252.

Farmers is the most expensive company for this group of drivers, with an average rate of $3,496 per year.

COMPANY WITH 1 ACCIDENT
USAA $1,147
State Farm $1,252
Progressive $1,291
Geico $2,146
Nationwide $2,793
Allstate $2,978
Farmers $3,496

Additionally, there’s a Statewide Average for drivers with 1 accident: $2,158.

The Best Auto Insurance Rates For Good Drivers After A DUI

After a DUI, car insurance rates experience significant increases for drivers.

The average annual rate for a Montana driver with a DUI stands at $2,505.

Progressive offers the cheapest car insurance rates after a DUI, with an average annual rate of $981.

Geico holds the highest sample rate in our analysis for drivers after a DUI, averaging $3,997 per year.

COMPANY WITH 1 DUI
Progressive $981
State Farm $1,182
USAA $1,660
Allstate $2,878
Farmers $3,374
Nationwide $3,461
Geico $3,997

Additionally, there’s a Statewide Average for drivers with 1 DUI: $2,505.

The Best Auto Insurance Rates For Military Families

For military families, USAA provides discounted car insurance tailored to military members and their immediate family members in Montana and beyond.

USAA offers additional military-specific discounts, such as military on-base and deployment/storing discounts, which can lead to further savings.

Although USAA’s insurance coverage isn’t accessible to the general public, it remains a viable option for Montana military families to explore.

The Best Auto Insurance Rates For Drivers With Poor Credit

Progressive offers the cheapest car insurance rates for drivers with poor credit.

Our data shows that the statewide average car insurance cost for Montana drivers with poor credit amounts to $2,446 per year.

Progressive stands out with the most affordable rates for this group, with an average premium of $1,455 per year.

On the other hand, Farmers imposes the highest rates, charging $3,842 per year.

COMPANY POOR CREDIT
Progressive $1,455
USAA $1,792
Geico $1,849
State Farm $2,319
Nationwide $2,378
Allstate $3,490
Farmers $3,842

Additionally, there’s a Statewide Average for drivers with poor credit: $2,446.

How Much Does Auto Insurance Cost In Montana?

In Montana, car insurance costs an average of $1,525 per year, slightly lower than the national average of $1,543.

Our study indicates significant variations in rates among major insurance providers in the state.

Progressive offers the cheapest annual rate in Montana, averaging $837 per year.

COMPANY AVERAGE RATE
Progressive $837
USAA $865
State Farm $1,120
Geico $1,432
Nationwide $1,748
Allstate $2,165
Farmers $2,511

Additionally, there’s a Statewide Average for car insurance rates: $1,525.

What is the cost of minimum coverage auto insurance in Montana?

Minimum coverage car insurance in Montana aligns with the state’s requirements and presents the cheapest option.

The statewide average rate for low coverage stands at $1,449 annually.

Progressive offers the least expensive option for minimum coverage, with an average annual rate of $771.

Conversely, Farmers emerges as the most expensive company, with an average rate of $2,295 per year.

COMPANY LOW COVERAGE
Progressive $771
USAA $837
State Farm $1,047
Geico $1,328
Nationwide $1,777
Allstate $2,090
Farmers $2,295

Additionally, there’s a Statewide Average for low coverage car insurance rates: $1,449.

How much does high coverage auto insurance cost in Montana?

Higher levels of coverage come with higher costs, but the added protection may justify the extra expense.

In Montana, a high coverage car insurance policy averages $1,625 annually.

USAA offers the cheapest high coverage option in Montana, with an average annual rate of $903.

However, USAA membership is limited to military members, veterans, and their families.

For those who don’t qualify for USAA, Progressive provides a competitive alternative, with an average rate of $929.

On the other hand, Farmers imposes the highest average rate in our analysis for high coverage, amounting to $2,715 per year.

COMPANY HIGH COVERAGE
USAA $903
Progressive $929
State Farm $1,253
Geico $1,552
Nationwide $1,771
Allstate $2,252
Farmers $2,715

Additionally, there’s a Statewide Average for high coverage car insurance rates: $1,625.

Car insurance rates in Montana’s major cities.

In most of Montana’s larger cities, average car insurance rates are lower than the statewide average rate of $1,525, according to our analysis.

Among major cities in Montana, Miles City exhibits the highest sample rate at $1,588.

Conversely, the lowest rates among the cities we studied are found in Missoula and Helena, with average annual rates of $1,374 and $1,391, respectively.

Belgrade, Bozeman, Great Falls, Butte, and Billings also boast average yearly rates below the state average.

For the most accurate quotes tailored to your city, consider obtaining an online estimate or consulting with an insurance agent.

By comparing car insurance quotes, you can identify a policy that fulfills your insurance requirements and aligns with your budget.

CITY AVERAGE PREMIUM
Missoula $1,374
Helena $1,391
Belgrade $1,425
Bozeman $1,425
Butte $1,461
Great Falls $1,475
Billings $1,523
Whitefish $1,547
Havre $1,569
Miles City $1,588

What amount of car insurance is necessary in Montana?

In Montana, drivers acquire coverage that meets the following requirements:

  • $25,000 per person bodily injury
  • $50,000 per accident bodily injury
  • $20,000 property damage per accident

Montana law mandates drivers to carry car insurance meeting these minimum levels of liability coverage for bodily injury and property damage.

Although insurers must provide uninsured motorist coverage, this coverage can be waived.

Bodily injury liability insurance addresses expenses in collisions where you are at fault, injuring another person, such as an occupant of another vehicle or a pedestrian.

It assists in covering medical expenses, lost wages for the injured party, and legal fees if a court case arises.

Property damage liability covers expenses incurred when you are at fault in an accident damaging another person’s property, like a vehicle, fence, or building.

These limits represent the state’s minimum mandatory requirements.

You might consider elevating coverage limits for additional protection.

If you finance or lease a vehicle, your lender or lessor might demand additional coverages.

How to obtain the most affordable car insurance rates.

  • Shop around: Compare car insurance quotes from multiple insurers to ensure you get the best rates for the coverage you require.
  • Drive safely: Maintain safe driving habits to keep your driving record free of speeding tickets, traffic violations, and accidents. Safe driving can qualify you for lower premiums and may make you eligible for safe driver discounts.
  • Increase your deductible: Consider opting for a higher deductible to lower your premiums.
  • Update your insurance company: Inform your insurer of any significant changes in your driving habits, such as starting to park in a garage or working from home, to capitalize on potential savings.
  • Maximize discounts: Most insurers offer various discounts. Consult an agent to determine which discounts you qualify for.
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