Get Cheap Car Insurance In Montana 2024

The Cheapest Car Insurance Companies in Montana for Good Drivers

Cheapest for...	Company	Average monthly cost in Montana	Learn More
20-year-olds	State Farm	$241	Compare Rates Compare rates via EverQuote’s website
30-year-olds	State Farm	$124	Compare Rates Compare rates via EverQuote’s website
40-year-olds	State Farm	$121	Compare Rates Compare rates via EverQuote’s website
50-year-olds	State Farm	$117	Compare Rates Compare rates via EverQuote’s website
60-year-olds	State Farm	$110	Compare Rates Compare rates via EverQuote’s website
70-year-olds	State Farm	$114	Compare Rates Compare rates via EverQuote’s website
80-year-olds	State Farm	$133	Compare Rates Compare rates via EverQuote’s website

Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

See More See Less

Cheap Car Insurance for 20-Year-Olds in Montana

Young drivers in Montana can face high insurance costs, especially if you’re not on a parent’s car insurance policy. In Montana, these companies had the cheapest car insurance according to our evaluation.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $241 a month
2. Progressive: $386 a month
3. Geico: $390 a month

Cheapest Minimum Coverage for 20-Year-Olds in Montana

If you’re looking for only the required auto insurance in Montana, check quotes from these companies.

1. State Farm: $48 a month
2. Geico: $77 a month
3. Progressive: $86 a month

Cheapest Auto Insurance for 20-Year-Olds in Montana With Poor Credit

Poor credit can cause a steep increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Geico: $503 a month
2. Progressive: $602 a month
3. Kemper: $655 a month

Cheapest Auto Insurance for 20-Year-Olds in Montana With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $257 a month
2. Geico: $431 a month
3. Progressive: $452 a month

Cheapest Car Insurance in Montana for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $276 a month
2. Progressive: $480 a month
3. Geico: $489 a month

Cheapest Auto Insurance for 20-Year-Olds in Montana After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Montana who have a DUI conviction.

1. State Farm: $257 a month
2. Progressive: $428 a month
3. Kemper: $568 a month

Cheap Car Insurance for 30-Year-Olds in Montana

Drivers age 30 in Montana can find steep insurance costs depending on their driving record. Here’s a look at the cheapest companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $124 a month
2. Geico: $154 a month
3. Progressive: $204 a month

Cheapest Minimum Coverage for 30-Year-Olds in Montana

If you’re looking for only the minimum auto insurance in Montana, check prices from these companies.

1. State Farm: $23 a month
2. Geico: $29 a month
3. Progressive: $40 a month

Cheapest Auto Insurance for 30-Year-Olds in Montana With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

1. Geico: $198 a month
2. Progressive: $321 a month
3. Kemper: $332 a month

Cheapest Auto Insurance for 30-Year-Olds in Montana With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $132 a month
2. Geico: $179 a month
3. Progressive: $258 a month

Cheapest Car Insurance in Montana for 30-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $140 a month
2. Geico: $237 a month
3. Progressive: $321 a month

Cheapest Auto Insurance for 30-Year-Olds in Montana After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Montana who have a DUI conviction.

1. State Farm: $131 a month
2. Progressive: $236 a month
3. Kemper: $285 a month

Cheap Car Insurance for 40-Year-Olds in Montana

Montana drivers age 40 can typically save significant money by comparing costs from multiple insurers. We looked at which insurers offer the lowest rates in Montana, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $121 a month
2. Geico: $154 a month
3. Progressive: $186 a month

Cheapest Minimum Coverage for 40-Year-Olds in Montana

If you’re looking for only the minimum auto insurance in Montana, check rates from these companies.

1. State Farm: $23 a month
2. Geico: $29 a month
3. Progressive: $36 a month

Cheapest Auto Insurance for 40-Year-Olds in Montana With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

1. Geico: $198 a month
2. Kemper: $264 a month
3. Progressive: $294 a month

Cheapest Auto Insurance for 40-Year-Olds in Montana With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $128 a month
2. Geico: $179 a month
3. Progressive: $240 a month

Cheapest Car Insurance in Montana for 40-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $136 a month
2. Geico: $237 a month
3. Progressive: $300 a month

Cheapest Auto Insurance for 40-Year-Olds in Montana After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Montana who have a DUI conviction.

1. State Farm: $128 a month
2. Progressive: $217 a month
3. Kemper: $227 a month

Cheap Car Insurance for 50-Year-Olds in Montana

Montana drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a poor driving record can make cheap car insurance a challenge to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $117 a month
2. Geico: $141 a month
3. Progressive: $168 a month

Cheapest Minimum Coverage for 50-Year-Olds in Montana

If you’re looking for only the required auto insurance in Montana, check quotes from these companies.

1. State Farm: $22 a month
2. Geico: $27 a month
3. Progressive: $32 a month

Cheapest Auto Insurance for 50-Year-Olds in Montana With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Geico: $183 a month
2. Kemper: $242 a month
3. Progressive: $266 a month

Cheapest Auto Insurance for 50-Year-Olds in Montana With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $124 a month
2. Geico: $165 a month
3. Progressive: $222 a month

Cheapest Car Insurance in Montana for 50-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $132 a month
2. Geico: $222 a month
3. Kemper: $279 a month

Cheapest Auto Insurance for 50-Year-Olds in Montana After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Montana who have a DUI conviction.

1. State Farm: $124 a month
2. Kemper: $196 a month
3. Progressive: $198 a month

Cheap Car Insurance for 60-Year-Olds in Montana

Car insurance rates often begin to increase around age 65, even if you have a good driving record. We found the cheapest companies for Montana drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $110 a month
2. Geico: $141 a month
3. Progressive: $158 a month

Cheapest Minimum Coverage for 60-Year-Olds in Montana

If you’re looking for only the required auto insurance in Montana, check quotes from these companies.

1. State Farm: $21 a month
2. Geico: $27 a month
3. Progressive: $30 a month

Cheapest Auto Insurance for 60-Year-Olds in Montana With Poor Credit

Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

1. Geico: $183 a month
2. Kemper: $227 a month
3. Progressive: $249 a month

Cheapest Auto Insurance for 60-Year-Olds in Montana With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $116 a month
2. Geico: $165 a month
3. Progressive: $211 a month

Cheapest Car Insurance in Montana for 60-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $124 a month
2. Geico: $222 a month
3. Kemper: $261 a month

Cheapest Auto Insurance for 60-Year-Olds in Montana After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Montana who have a DUI conviction.

1. State Farm: $116 a month
2. Kemper: $184 a month
3. Progressive: $186 a month

Cheap Car Insurance for 70-Year-Olds in Montana

Montana drivers age 70 are looking at higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in Montana

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

1. State Farm: $114 a month
2. Geico: $160 a month
3. Progressive: $173 a month

Cheapest Minimum Coverage for 70-Year-Olds in Montana

If you’re looking for only the required auto insurance in Montana, check prices from these companies.

1. State Farm: $22 a month
2. Geico: $30 a month
3. Progressive: $34 a month

Cheapest Auto Insurance for 70-Year-Olds in Montana With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

1. Geico: $206 a month
2. Kemper: $243 a month
3. Progressive: $272 a month

Cheapest Auto Insurance for 70-Year-Olds in Montana With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Montana for drivers with a speeding ticket.

1. State Farm: $121 a month
2. Geico: $186 a month
3. Kemper: $233 a month

Cheapest Car Insurance in Montana for 70-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for Montana drivers who caused an accident that injured someone else.

1. State Farm: $129 a month
2. Geico: $244 a month
3. Kemper: $284 a month

Featured Car Insurance Partners

1

Geico

Auto insurance rates

Good

Collision repair

C-

Complaint level

Low

1

Geico

Compare Rates

Compare rates from participating partners via EverQuote's secure site.

2

USAA

Auto insurance rates

Excellent

Collision repair

C+

Complaint level

OK

2

USAA

Compare Rates

Compare rates from participating partners via EverQuote's secure site.

3

State Farm

Auto insurance rates

Very good

Collision repair

C

Complaint level

Low

3

State Farm

Compare Rates

Compare rates from participating partners via EverQuote's secure site.

Cheapest Auto Insurance for 70-Year-Olds in Montana After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Montana who have a DUI conviction.

1. State Farm: $120 a month
2. Kemper: $198 a month
3. Progressive: $217 a month

Cheapest Car Insurance In Billings, Montana

Cheapest for...	Company	Average monthly cost in Billings	Learn More
Good drivers	State Farm	$118	Compare Rates Compare rates via EverQuote’s website
Drivers with a speeding ticket	State Farm	$126	Compare Rates Compare rates via EverQuote’s website
Drivers who caused an accident with injury	State Farm	$141	Compare Rates Compare rates via EverQuote’s website
Drivers with a DUI	State Farm	$132	Compare Rates Compare rates via EverQuote’s website
Driver with poor credit	State Farm	$217	Compare Rates Compare rates via EverQuote’s website

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

See More See Less

Cheapest Car Insurance In Missoula, Montana

Cheapest for...	Company	Average monthly cost in Missoula	Learn More
Good drivers	State Farm	$114	Compare Rates Compare rates via EverQuote’s website
Drivers with a speeding ticket	State Farm	$121	Compare Rates Compare rates via EverQuote’s website
Drivers who caused an accident with injury	State Farm	$129	Compare Rates Compare rates via EverQuote’s website
Drivers with a DUI	State Farm	$121	Compare Rates Compare rates via EverQuote’s website
Driver with poor credit	Geico	$189	Compare Rates Compare rates via EverQuote’s website

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

See More See Less

Cheapest Car Insurance In Great Falls, Montana

Cheapest for...	Company	Average monthly cost in Great Falls	Learn More
Good drivers	State Farm	$129	Compare Rates Compare rates via EverQuote’s website
Drivers with a speeding ticket	State Farm	$138	Compare Rates Compare rates via EverQuote’s website
Drivers who caused an accident with injury	State Farm	$150	Compare Rates Compare rates via EverQuote’s website
Drivers with a DUI	State Farm	$138	Compare Rates Compare rates via EverQuote’s website
Driver with poor credit	Geico	$192	Compare Rates Compare rates via EverQuote’s website

*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

See More See Less

Buy Cheap Car Insurance in Montana

If you want low-cost car insurance in Montana, a few strategic moves can make a lot of difference. The best car insurance options for you will combine a competitive cost with the coverage features you want.

Check Quotes from Multiple Auto Insurance Companies

A good way to find cheap car insurance in Montana is to get insurance quotes from several companies. If you don’t have a range of quotes to consider, you won’t know if you’re getting a good deal. Even if your driving record isn’t great, shopping around can show significant cost differences among companies.

Consider Switching Companies If Your Driving Record Changes

Getting a ticket or causing an accident will generally result in an insurance rate increase. A company that offered cheap Montana car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to get back to low rates again.

Regularly Review Your Auto Insurance Policy

It’s easy to put your auto policy in a drawer and forget about it. But if you haven’t reviewed your policy in a long time, it may be a good time to assess your coverage details. Look for coverage you no longer need, and how much you could save by cutting it. If you’re not sure what the coverage types are that you have, contact your agent to explain.

Rethink Your Deductible

You have an auto insurance deductible if you have collision and comprehensive insurance. By raising that deductible you can save money. Keep in mind that a larger deductible will mean you pay a larger portion of car repair costs if you make a claim.

Keep an Eye on Car Insurance Discounts

Many car insurance discounts are added to your policy automatically, but there may be additional car insurance discounts your insurance company doesn’t know you’re eligible for. Ask your insurance company for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a cheaper car insurance rate.

Harness the Power of Bundling

You can typically get a large discount by bundling car insurance with other policies from the same insurer. If you need Montana auto insurance and also homeowners, condo or renters insurance, it’s usually smart to buy the policies from the same company for the discount. It averages 14%, based on our analysis of auto insurance rates.

Get Savings for Your Insurance Payment Strategy

You may be able to get small discounts based on the way you pay your auto insurance bill. Some insurers offer discounts for:

• Going paperless for billing and policy documents.
• Using EFT payments if you’re paying monthly.
• Paying for the whole policy term at the beginning of the term.

Methodology

Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.