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Cheap Car Insurance in Montana for 2024
Assistant Assigning Editor | Auto insurance
Assigning Editor | Auto insurance, home insurance, other insurance
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Nerdy takeaways
QBE offers the cheapest full coverage in Montana, with an average rate of $1,171 per year according to NerdWallet's August 2024 analysis.
Full coverage in Montana costs an average of $1,797 per year, or $150 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Montana is $425 per year, or $35 per month.
Auto insurance is an important purchase, but finding cheap car insurance in Montana isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers. NerdWallet found some of the cheapest car insurance companies in your state to help you compare rates and get a better deal for your coverage.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in Montana for different driver profiles and coverage types among:
Cheap car insurance in Montana
Here's the cheapest full coverage car insurance in Montana for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | QBE | $1,171 |
| After a DUI | State Farm | $2,134 |
| After an accident | QBE | $1,698 |
| After a speeding ticket | QBE | $1,698 |
| Having poor credit | QBE | $1,731 |
The cheapest car insurance company in Montana is QBE at $1,171 per year on average, or $98 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Montana. Meanwhile, the average cost of full coverage car insurance in Montana is $1,797 per year, or about $150 per month.
Did your rates go up? Auto insurance prices are on the rise in Montana. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Montana is $425 per year on average, but we found you can likely get a cheaper policy. For example, QBE offers the cheapest rates in Montana at $186 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
How we chose the cheapest companies in Montana
NerdWallet’s editorial team analyzed car insurance rates from 9 auto insurers in Montana and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Montana. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Montana where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Cheap auto insurance in Montana for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Montana for 20-year-olds
Drivers in Montana with clean driving records may want to consider the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $2,041 | $170 |
| State Farm | $3,439 | $287 |
| Nationwide | $3,783 | $315 |
| Progressive | $4,137 | $345 |
| Geico | $5,102 | $425 |
Cheapest minimum coverage car insurance in Montana for 20-year-olds
Drivers in Montana who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $439 | $37 |
| State Farm | $524 | $44 |
| Geico | $687 | $57 |
| Progressive | $908 | $76 |
| Nationwide | $960 | $80 |
Cheapest car insurance in Montana for 20-year-olds with poor credit
Drivers with poor credit in Montana should look at the following insurers with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Geico | $772 | $64 |
| QBE | $792 | $66 |
| Allstate | $1,175 | $98 |
| Nationwide | $1,341 | $112 |
| Progressive | $1,351 | $113 |
Cheapest car insurance in Montana for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Montana, here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $606 | $50 |
| QBE | $715 | $60 |
| Geico | $738 | $62 |
| Progressive | $1,044 | $87 |
| Nationwide | $1,086 | $91 |
Cheapest car insurance in Montana for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Montana, here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $684 | $57 |
| QBE | $715 | $60 |
| Geico | $852 | $71 |
| Progressive | $1,093 | $91 |
| Nationwide | $1,128 | $94 |
Cheapest car insurance in Montana for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $814 | $68 |
| Progressive | $990 | $83 |
| QBE | $1,039 | $87 |
| Geico | $1,108 | $92 |
| Nationwide | $1,338 | $112 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in Montana for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Montana for 30-year-olds
Drivers in Montana seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $1,217 | $101 |
| State Farm | $1,604 | $134 |
| Nationwide | $1,649 | $137 |
| Geico | $1,882 | $157 |
| Allstate | $2,202 | $183 |
Cheapest minimum coverage car insurance in Montana for 30-year-olds
Drivers in Montana who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $181 | $15 |
| State Farm | $206 | $17 |
| Geico | $241 | $20 |
| Nationwide | $443 | $37 |
| Progressive | $474 | $40 |
Cheapest car insurance in Montana for 30-year-olds with poor credit
Drivers with poor credit in Montana should consider the following companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| Geico | $282 | $23 |
| QBE | $292 | $24 |
| Allstate | $592 | $49 |
| Nationwide | $601 | $50 |
| Progressive | $680 | $57 |
Cheapest car insurance in Montana for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Montana, here are the companies with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $240 | $20 |
| Geico | $262 | $22 |
| QBE | $323 | $27 |
| Nationwide | $549 | $46 |
| Progressive | $586 | $49 |
Cheapest car insurance in Montana for 30-year-old drivers with one at-fault crash
For drivers in Montana with a recent accident, here are the lowest average rate options for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $262 | $22 |
| QBE | $323 | $27 |
| Geico | $346 | $29 |
| Nationwide | $711 | $59 |
| Progressive | $717 | $60 |
Cheapest car insurance in Montana for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| State Farm | $315 | $26 |
| QBE | $491 | $41 |
| Progressive | $550 | $46 |
| Geico | $570 | $48 |
| Kemper | $708 | $59 |
Cheap auto insurance in Montana for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Montana for 40-year-olds
Drivers in Montana with clean driving records may want to think about the following companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $1,140 | $95 |
| State Farm | $1,560 | $130 |
| Nationwide | $1,627 | $136 |
| Geico | $1,882 | $157 |
| Progressive | $2,055 | $171 |
Cheapest minimum coverage car insurance in Montana for 40-year-olds
Drivers in Montana who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $175 | $15 |
| State Farm | $194 | $16 |
| Geico | $241 | $20 |
| Nationwide | $443 | $37 |
| Progressive | $445 | $37 |
Cheapest car insurance in Montana for 40-year-olds with poor credit
Drivers with poor credit in Montana can check out the following insurers with the lowest average rates for minimum coverage:
| Cheapest Company | Cheapest Company Annual Rate | Cheapest Company Monthly Rate |
|---|---|---|
| QBE | $252 | $21 |
| Geico | $282 | $23 |
| Allstate | $592 | $49 |
| Nationwide | $601 | $50 |
| Progressive | $637 | $53 |