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State Farm, USAA, and Direct Auto rank among Montana's most affordable car insurance providers.
Residents shopping for coverage should expect to pay $143 per month for full-coverage policies. The national average sits at $186, making Montana slightly different depending on your personal factors. Your final rate depends on age, driving history, location, and several other considerations. To find the right price for your situation, compare quotes from multiple insurers.
This guide breaks down the most affordable car insurance options in Montana by coverage type, driver profile, and carrier.
Affordable full-coverage car insurance in Montana
Full-coverage insurance in Montana averages $143 monthly. State Farm, USAA, and Direct Auto consistently offer competitive rates in the state, comparing favorably to the $186 national average.
| Average monthly full coverage cost | |
| Montana average | $143 |
| National average | $186 |
| State Farm | $63 |
| USAA | $68 |
| Direct Auto | $111 |
| Farmers | $114 |
Affordable liability-only car insurance in Montana
Montana drivers seeking liability-only coverage should look at State Farm, USAA, and Safeco. These carriers represent some of the most affordable liability car insurance providers available in the state.
Liability-only policies in Montana cost $66 monthly on average, compared to $104 nationally.
| Average monthly liability-only cost | |
| Montana average | $66 |
| National average | $104 |
| State Farm | $34 |
| USAA | $37 |
| Safeco | $63 |
| Direct Auto | $61 |
Cheap car insurance in Montana by age
Your age significantly influences what you'll pay for insurance. Car insurance for teens comes with the high rates in Montana, running approximately $252 per month because insurers view inexperienced drivers as higher risk.
Rates typically drop as drivers enter their 20s, averaging $178 monthly. Drivers in their 30s and 40s usually see further reductions, with monthly costs around $148 and $142, respectively.
Premiums can climb again for drivers in their 60s and 70s. Montanans in their 60s pay an average of $132 per month, while those in their 70s see rates reach $126.
Risk assessment drives this age-based variation in premiums. Younger and older drivers represent different insurance challenges: younger drivers lack experience, while older drivers may face declining health or reflexes.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $252 | $116 |
| 20s | $178 | $82 |
| 30s | $148 | $69 |
| 40s | $142 | $66 |
| 50s | $147 | $68 |
| 60s | $132 | $61 |
| 70s | $126 | $58 |
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Cheap car insurance in Montana for high-risk drivers
Moving violations, accidents, and DUIs elevate insurance costs substantially. The following table shows the Montana rate increases for drivers with these infractions compared to those with clean driving records. For more information, review car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $191 | $88 |
| Speeding ticket | $192 | $88 |
| DUI | $205 | $95 |
Compare low-cost car insurance after an accident
Drivers with accidents on their records can find competitive rates through State Farm, USAA, and Direct Auto. Following an accident, Montana drivers pay $191 monthly for full-coverage insurance on average.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $82 | $44 |
| USAA | $90 | $49 |
| Direct Auto | $151 | $83 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Speeding citations boost your rates, but State Farm, USAA, and Direct Auto still provide options for affordable coverage. For drivers with speeding violations, full-coverage premiums average $192 per month in Montana.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $81 | $44 |
| USAA | $89 | $49 |
| Direct Auto | $144 | $79 |
Compare low-cost car insurance after DUI conviction
A DUI conviction impacts insurance significantly, though State Farm, USAA, and Direct Auto remain accessible to drivers with this violation. Full-coverage rates for Montana drivers with a DUI average $205.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $91 | $49 |
| USAA | $98 | $53 |
| Direct Auto | $160 | $88 |
Cheap car insurance in Montana by credit score
Credit affects your premiums more than many drivers realize. Excellent credit earners in Montana pay $127 monthly on average, while poor credit holders face charges beginning at $179.
Insurers use credit information to predict payment behavior and perceived financial responsibility. Poor credit scores typically result in higher premiums due to non-payment concerns.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $127 | $59 |
| Good | $141 | $65 |
| Average | $141 | $65 |
| Poor | $179 | $83 |
FAQs
What are Montana's minimum car insurance requirements?
Montana requires drivers to carry 25/50/20 liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. While this satisfies state law, experts often recommend higher limits since average bodily injury claims frequently exceed these minimums, leaving drivers personally liable for additional costs in serious accidents.
How do insurance rates vary across different Montana cities?
Insurance premiums vary significantly across Montana based on location. Missoula typically offers cheaper rates while Billings is among the most expensive. Urban areas like Helena and Great Falls have different rates than rural counties. This geographic variation reflects differences in accident frequency, theft rates, and population density across Montana's diverse regions.
Does Montana require uninsured motorist coverage?
While Montana doesn't legally require uninsured motorist coverage, the state has a notably high percentage of uninsured drivers at approximately 9%. The state does require insurance companies to offer uninsured/underinsured motorist coverage to all drivers, making it an affordable optional add-on worth considering for protection against hit-and-run accidents and drivers lacking adequate insurance.
What wildlife-related coverage do Montana drivers need?
Montana consistently ranks near the top nationally for deer and wildlife collisions, with rates especially high in rural areas and mountain roads. Comprehensive coverage is particularly valuable even for older vehicles, as it covers damage from deer, elk, and other wildlife strikes. Rural Montana drivers should prioritize this coverage due to the state's high wildlife collision frequency.
Bottom line
These carriers may offer Montana's lowest rates, but they won't necessarily fit your budget or needs. Every driver's situation differs, which is why getting multiple quotes matters. Spend time comparing options across insurers to find the coverage and price that work best for you.
Data throughout provided by Insurify.
Average rate:
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