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Car Insurance in Montana: 2026 Rates & Guide

Montana is a mid-range state for car insurance. The average driver pays $94/month ($1128/year). Here's how to find the best rate for your situation.

$94

Avg Monthly

$1128

Avg Annual

#40

Cost Rank (1=priciest)

$70

Cheapest Option/mo

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Cheapest Car Insurance Companies in Montana (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Montana — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$70/mo4.5Get Quote
2
GEICO
$74/mo4.3Get Quote
3
Progressive
$82/mo4.1Get Quote
4
Farmers
$78/mo4Get Quote
5
Nationwide
$84/mo4.3Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Montana Car Insurance Requirements

Minimum Coverage: 25/50/20

Montana is an at-fault state. The driver who causes an accident is financially responsible.

Montana Insurance Facts

Montana has no urban speed limit on many rural highways — higher speeds contribute to more severe accident claims.
Deer, elk, and other large wildlife collisions are a significant risk in Montana — comprehensive coverage is strongly recommended.
Montana's vast rural areas mean EMS response times are long, making adequate medical coverage especially important.

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How to Get Cheaper Car Insurance in Montana

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Montana — FAQs

What is the average cost of car insurance in Montana?
The average car insurance cost in Montana is $94 per month ($1128 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Montana?
Montana requires minimum liability coverage of 25/50/20 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Montana?
Based on our research, State Farm offers the lowest average rate in Montana at around $70/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Montana a no-fault car insurance state?
No, Montana is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Montana?
The most effective ways to lower your car insurance in Montana include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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