Cheapest Car Insurance In Montana (2024) (original) (raw)
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, Writer
10/18/2024 08:00 AM
Montana drivers should consider comparing different car insurance policies to find the cheapest option due to the increasing costs. Our reviews team has researched the best car insurance companies nationwide. We carefully examined each provider’s reputation, how satisfied customers are, the coverage options they offer, and the average amount people pay.
In this review, we will discuss how you can save money on insurance and show you where to find the most affordable car insurance in Montana that suits your driving habits.
Key Points
- USAA is the cheapest car insurance company in Montana overall, with an average rate of $19 per month for minimum coverage and $132 per month for full coverage.
- QBE and State Farm also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations on your record, your car insurance rates will be higher than average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Cheap Car Insurance Montana
Car insurance companies have their own way of assessing drivers, so the insurance provider that offers the lowest price for one person may not be the cheapest option for you. For instance, here is an overview of the most affordable auto insurance providers and how their rates vary based on different types of drivers in Montana.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | 19∣19 | 19∣233 |
| Full coverage | QBE | 128∣128 | 128∣1,532 |
| 16-year-olds | GEICO | 73∣73 | 73∣876 |
| 45-year-olds | USAA | 17∣17 | 17∣209 |
| High-risk drivers | State Farm | 25∣25 | 25∣295 |
| After a speeding ticket | State Farm | 24∣24 | 24∣285 |
| After an accident | State Farm | 26∣26 | 26∣314 |
| After a DUI | State Farm | 24∣24 | 24∣285 |
| Poor credit drivers | GEICO | 24∣24 | 24∣288 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Montana?
In general, we discovered that USAA provides the least expensive car insurance in Montana for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Montana.
These rates are for drivers in Montana who are of various ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Montana: USAA
Drivers looking for the most affordable coverage that just meets Montana state minimum requirements may find it at USAA for about $19 per month or $233 per year on average.
| Cheapest Car Insurance in Montana | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | 19∣19 | 19∣233 |
| QBE | 21∣21 | 21∣251 |
| State Farm | 22∣22 | 22∣260 |
| GEICO | 24∣24 | 24∣288 |
| Nationwide | 28∣28 | 28∣334 |
| Progressive | 53∣53 | 53∣638 |
| Kemper | 55∣55 | 55∣657 |
| Farmers | 68∣68 | 68∣814 |
| Allstate | 77∣77 | 77∣924 |
Cheapest Full Coverage In Montana: QBE
If you want the best coverage for the best price, QBE is the top choice. The provider offers full-coverage insurance for an average of $128 per month.
Full-coverage insurance policies in Montana generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Montana | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| QBE | 128∣128 | 128∣1,532 |
| Nationwide | 130∣130 | 130∣1,556 |
| USAA | 132∣132 | 132∣1,590 |
| State Farm | 136∣136 | 136∣1,637 |
| GEICO | 163∣163 | 163∣1,954 |
| Allstate | 269∣269 | 269∣3,225 |
| Progressive | 275∣275 | 275∣3,297 |
| Farmers | 305∣305 | 305∣3,657 |
| Kemper | 328∣328 | 328∣3,936 |
Cheapest Car Insurance In Montana: Age
Below, you’ll find average insurance costs for Montana drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. People who are between the ages of 30 and 55 usually receive the lowest car insurance rates because they are more experienced drivers. They are also less likely to have car accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | 194∣194 | 194∣703 |
| 25 | 43∣43 | 43∣222 |
| 35 | 39∣39 | 39∣193 |
| 45 | 37∣37 | 37∣181 |
| 55 | 36∣36 | 36∣167 |
Cheapest Montana Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mainly because these drivers have less practice driving and are more likely to break traffic rules and have car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Montana Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Montana.
The company’s cheapest average rates for 16-year-old drivers are $73 per month or $876 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $368 per month or $4,417 per year from QBE.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 73∣73 | 73∣507 |
| State Farm | 76∣76 | 76∣406 |
| USAA | 102∣102 | 102∣575 |
| Nationwide | 106∣106 | 106∣404 |
| QBE | 158∣158 | 158∣368 |
| Progressive | 184∣184 | 184∣966 |
| Kemper | 281∣281 | 281∣1,019 |
| Farmers | 377∣377 | 377∣1,087 |
| Allstate | 387∣387 | 387∣998 |
Cheapest Montana Car Insurance For 25-Year-Olds: USAA
Car insurance rates for young drivers in their 20s drop a lot compared to what teen drivers pay. However, depending on which company you pick, the rates for this age group can still be quite expensive.
USAA provides the cheapest car insurance costs on average at $21 per month or $248 per year for minimum coverage. QBE costs $139 per month or $1,665 per year for full coverage.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 21∣21 | 21∣146 |
| QBE | 21∣21 | 21∣139 |
| State Farm | 23∣23 | 23∣141 |
| GEICO | 25∣25 | 25∣169 |
| Nationwide | 31∣31 | 31∣142 |
| Progressive | 56∣56 | 56∣292 |
| Kemper | 59∣59 | 59∣367 |
| Farmers | 74∣74 | 74∣320 |
| Allstate | 77∣77 | 77∣280 |
Cheapest Montana Car Insurance: Adult Drivers
People who are in their 40s generally have the lowest car insurance rates. You can compare typical car insurance expenses of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Montana Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $18 per month or $218 per year. For full coverage, QBE’s rates average $117 monthly or $1,400 annually.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 18∣18 | 18∣119 |
| QBE | 21∣21 | 21∣117 |
| State Farm | 21∣21 | 21∣131 |
| GEICO | 23∣23 | 23∣156 |
| Nationwide | 25∣25 | 25∣117 |
| Progressive | 50∣50 | 50∣258 |
| Kemper | 50∣50 | 50∣289 |
| Farmers | 62∣62 | 62∣290 |
| Allstate | 77∣77 | 77∣257 |
Cheapest Montana Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $17 per month or $209 per year. The cheapest full coverage comes from Nationwide at $110 per month or $1,317 per year.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 17∣17 | 17∣112 |
| QBE | 19∣19 | 19∣111 |
| State Farm | 20∣20 | 20∣126 |
| GEICO | 23∣23 | 23∣156 |
| Nationwide | 24∣24 | 24∣110 |
| Kemper | 44∣44 | 44∣240 |
| Progressive | 50∣50 | 50∣247 |
| Farmers | 58∣58 | 58∣268 |
| Allstate | 77∣77 | 77∣257 |
Cheapest Montana Car Insurance For 55-Year-Olds: USAA
Generally, people in their fifties can usually get the most affordable car insurance rates in Montana by choosing USAA. The insurer’s average premiums are $18 monthly or $211 annually for minimum coverage. The cheapest full coverage option is from Nationwide, costing $110 monthly or $1,317 annually
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | 18∣18 | 18∣106 |
| State Farm | 19∣19 | 19∣119 |
| QBE | 21∣21 | 21∣109 |
| GEICO | 21∣21 | 21∣143 |
| Nationwide | 22∣22 | 22∣102 |
| Kemper | 43∣43 | 43∣218 |
| Progressive | 49∣49 | 49∣218 |
| Farmers | 53∣53 | 53∣249 |
| Allstate | 77∣77 | 77∣242 |
Cheapest Car Insurance In Montana: High-Risk Drivers
Besides the kind of coverage you choose and how old you are, how safely you drive is a major factor in determining your car insurance cost. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay more for their car insurance compared to the average rates. This is because they have multiple violations on their records. On average, Montana motorists who are deemed high-risk may find the most affordable rates from State Farm for minimum coverage or State Farm for full coverage.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 25∣25 | 25∣147 |
| USAA | 31∣31 | 31∣202 |
| Nationwide | 43∣43 | 43∣207 |
| QBE | 43∣43 | 43∣200 |
| GEICO | 45∣45 | 45∣293 |
| Progressive | 64∣64 | 64∣355 |
| Kemper | 68∣68 | 68∣408 |
| Farmers | 93∣93 | 93∣399 |
| Allstate | 104∣104 | 104∣358 |
Cheapest Montana Car Insurance For Drivers With A Speeding Ticket: State Farm
Drivers with a speeding citation on their record can generally find the most affordable coverage from State Farm, with average rates of $24 per month or $285 per year for minimum coverage and $144 per month or $1,728 per year for full coverage.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 24∣24 | 24∣144 |
| USAA | 26∣26 | 26∣175 |
| GEICO | 28∣28 | 28∣190 |
| Nationwide | 33∣33 | 33∣159 |
| QBE | 37∣37 | 37∣179 |
| Progressive | 63∣63 | 63∣358 |
| Kemper | 69∣69 | 69∣395 |
| Allstate | 87∣87 | 87∣301 |
| Farmers | 87∣87 | 87∣386 |
Cheapest Montana Car Insurance For Drivers With An At-Fault Accident: State Farm
Getting into a car accident in Montana can make your car insurance rates go up. State Farm tends to offer the most affordable rates on average at about $26 per month or $314 per year for minimum coverage and $152 per month or $152 per year for full coverage.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 26∣26 | 26∣152 |
| USAA | 27∣27 | 27∣175 |
| QBE | 37∣37 | 37∣179 |
| GEICO | 37∣37 | 37∣250 |
| Nationwide | 42∣42 | 42∣203 |
| Progressive | 71∣71 | 71∣390 |
| Kemper | 79∣79 | 79∣484 |
| Farmers | 98∣98 | 98∣413 |
| Allstate | 119∣119 | 119∣404 |
Cheapest Montana Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Montana from State Farm for $24 per month or $285 per year on average. They also have rates of $144 monthly or $1,728 annually for full coverage.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | 24∣24 | 24∣144 |
| USAA | 42∣42 | 42∣257 |
| Nationwide | 53∣53 | 53∣258 |
| QBE | 55∣55 | 55∣242 |
| Kemper | 57∣57 | 57∣344 |
| Progressive | 58∣58 | 58∣317 |
| GEICO | 70∣70 | 70∣438 |
| Farmers | 93∣93 | 93∣398 |
| Allstate | 106∣106 | 106∣369 |
Cheapest Montana Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit are charged more money for their car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $32 per month or $382 per year and an average full-coverage rate of $216 per month or $2,591 per year.
| Cheapest Car Insurance in Montana | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | 32∣32 | 32∣216 |
| USAA | 33∣33 | 33∣275 |
| QBE | 34∣34 | 34∣193 |
| Nationwide | 35∣35 | 35∣176 |
| Kemper | 66∣66 | 66∣404 |
| Progressive | 72∣72 | 72∣438 |
| Farmers | 98∣98 | 98∣465 |
| Allstate | 102∣102 | 102∣404 |
| State Farm | 119∣119 | 119∣720 |
Average Cost Of Car Insurance In 10 Montana Cities
The place you reside in Montana also affects how much you spend on car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- Increased number of automobiles on the streets.
- More car accidents happening at an increased rate.
- More instances of breaking traffic rules.
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors that increase the chances of having accidents or encountering problems affect people who own cars in bigger cities. That’s why drivers in busy cities have to pay the most money on average for the minimum car insurance coverage. On the other hand, drivers in rural areas with less crime and fewer people are more likely to have lower rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Billings | 42∣42 | 42∣175 |
| Bozeman | 35∣35 | 35∣165 |
| Great Falls | 40∣40 | 40∣167 |
| Missoula | 39∣39 | 39∣155 |
| Butte | 37∣37 | 37∣169 |
| Kalispell | 39∣39 | 39∣178 |
| Helena | 37∣37 | 37∣156 |
| Hamilton | 35∣35 | 35∣162 |
| Stevensville | 35∣35 | 35∣166 |
| Laurel | 39∣39 | 39∣177 |
Top 5 Car Insurance Companies In Montana
Besides the cost, we have examined more than 40 insurance companies to determine the top five insurers for Montana residents by considering their coverage, service, and reliability. Based on our research, we found USAA to be the best provider for most drivers in Montana. Here are the ratings we have given to our top choices.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5.0 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Montana
In Montana, you have a few options to decrease how much you pay for car insurance. These include:
- Opting for minimum coverage: Choosing the bare minimum insurance coverage mandated by your state will help you find the most affordable car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Obtaining price estimates from several companies can help you understand which provider will give you the best offer.
Many insurance companies offer usage-based insurance programs as a way for customers to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may be eligible for a significant discount. However, certain programs may increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Montana Require For Car Insurance?
Drivers in Montana must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $20,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Montana
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Montana. While the above costs can give you an idea of what you’d pay for car insurance in Montana, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and no-cost quote tools online that you can use. Alternatively, you can reach out to an insurance agent or representative directly. Once you have gathered car insurance quotes from at least three providers, compare them to find the option that suits you best.
Best Cheap Car Insurance In Montana: FAQ
Here are some frequently asked questions about car insurance in Montana:
How much is car insurance per month in Montana?
The average cost of minimum-coverage car insurance in Montana is $41 per month or $489 per year. For full coverage, the average is $207 per month or $2,487 per year.
Is Montana Car Insurance Cheaper?
Montana auto insurance is typically cheaper than the national average. Nationwide, the average cost of minimum-coverage insurance is 670peryear,whiletheaverageinMontanais∗∗670 per year, while the average in Montana is 670peryear,whiletheaverageinMontanais∗∗489 per year. For full coverage, residents of Montana pay about $2,487 per year on average, which is more than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.