Cheap Car Insurance in Montana for April 2024

State Farm offers the cheapest car insurance in Montana, with an average annual rate of $1,408 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

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.

The cheapest car insurance company in Montana is State Farm at $1,408 per year on average, or $117 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 $2,185 per year, or about $182 per month.

Minimum coverage in Montana is $415 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Montana at $181 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 2020 Toyota Camry L. 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.

Cheapest 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:

  1. Allstate: $7,408 per year, or about $617 per month.
  2. Farmers: $7,275 per year, or about $606 per month.
  3. Geico: $7,061 per year, or about $588 per month.
  4. Kemper: $8,952 per year, or about $746 per month.
  5. Nationwide: $5,231 per year, or about $436 per month.

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:

  1. Allstate: $1,048 per year, or about $87 per month.
  2. Farmers: $1,755 per year, or about $146 per month.
  3. Geico: $956 per year, or about $80 per month.
  4. Kemper: $1,775 per year, or about $148 per month.
  5. Nationwide: $1,095 per year, or about $91 per month.

Cheapest auto 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:

  1. Allstate: $1,326 per year, or about $110 per month.
  2. Farmers: $2,581 per year, or about $215 per month.
  3. Geico: $1,234 per year, or about $103 per month.
  4. Kemper: $2,278 per year, or about $190 per month.
  5. Nationwide: $1,534 per year, or about $128 per month.

Cheapest auto 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:

  1. Allstate: $1,237 per year, or about $103 per month.
  2. Farmers: $2,427 per year, or about $202 per month.
  3. Geico: $1,131 per year, or about $94 per month.
  4. Kemper: $2,106 per year, or about $176 per month.
  5. Nationwide: $1,240 per year, or about $103 per month.

Cheapest auto 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:

  1. Allstate: $1,401 per year, or about $117 per month.
  2. Farmers: $2,481 per year, or about $207 per month.
  3. Geico: $1,303 per year, or about $109 per month.
  4. Kemper: $2,422 per year, or about $202 per month.
  5. Nationwide: $1,288 per year, or about $107 per month.

Cheapest auto 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.

  1. Allstate: $1,563 per year, or about $130 per month.
  2. Farmers: $2,287 per year, or about $191 per month.
  3. Geico: $1,585 per year, or about $132 per month.
  4. Kemper: $1,864 per year, or about $155 per month.
  5. Nationwide: $1,530 per year, or about $128 per month.

Cheapest 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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Allstate: $2,823 per year, or about $235 per month.
  2. Farmers: $4,866 per year, or about $406 per month.
  3. Geico: $2,473 per year, or about $206 per month.
  4. Kemper: $4,436 per year, or about $370 per month.
  5. Nationwide: $2,150 per year, or about $179 per month.

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:

  1. Allstate: $415 per year, or about $35 per month.
  2. Farmers: $934 per year, or about $78 per month.
  3. Geico: $326 per year, or about $27 per month.
  4. Kemper: $818 per year, or about $68 per month.
  5. Nationwide: $499 per year, or about $42 per month.

Cheapest auto 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 full coverage:

  1. Allstate: $4,121 per year, or about $343 per month.
  2. Farmers: $7,752 per year, or about $646 per month.
  3. Geico: $3,763 per year, or about $314 per month.
  4. Kemper: $5,848 per year, or about $487 per month.
  5. Nationwide: $3,371 per year, or about $281 per month.

Cheapest auto 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:

  1. Allstate: $507 per year, or about $42 per month.
  2. Farmers: $1,172 per year, or about $98 per month.
  3. Geico: $372 per year, or about $31 per month.
  4. Kemper: $1,030 per year, or about $86 per month.
  5. Nationwide: $621 per year, or about $52 per month.

Cheapest auto 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 full coverage:

  1. Allstate: $4,160 per year, or about $347 per month.
  2. Farmers: $6,543 per year, or about $545 per month.
  3. Geico: $4,168 per year, or about $347 per month.
  4. Kemper: $6,656 per year, or about $555 per month.
  5. Nationwide: $3,934 per year, or about $328 per month.

Cheapest auto 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 full coverage.

  1. Allstate: $4,226 per year, or about $352 per month.
  2. Farmers: $6,312 per year, or about $526 per month.
  3. Geico: $6,231 per year, or about $519 per month.
  4. Kemper: $4,790 per year, or about $399 per month.
  5. Nationwide: $5,125 per year, or about $427 per month.

Cheapest 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:

  1. Allstate: $2,823 per year, or about $235 per month.
  2. Farmers: $4,713 per year, or about $393 per month.
  3. Geico: $2,473 per year, or about $206 per month.
  4. Kemper: $3,614 per year, or about $301 per month.
  5. Nationwide: $2,117 per year, or about $176 per month.

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:

  1. Allstate: $415 per year, or about $35 per month.
  2. Farmers: $907 per year, or about $76 per month.
  3. Geico: $326 per year, or about $27 per month.
  4. Kemper: $706 per year, or about $59 per month.
  5. Nationwide: $499 per year, or about $42 per month.

Cheapest auto 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 full coverage:

  1. Allstate: $4,121 per year, or about $343 per month.
  2. Farmers: $7,542 per year, or about $629 per month.
  3. Geico: $3,763 per year, or about $314 per month.
  4. Kemper: $4,646 per year, or about $387 per month.
  5. Nationwide: $3,319 per year, or about $277 per month.

Cheapest auto insurance in Montana for 40-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:

  1. Allstate: $507 per year, or about $42 per month.
  2. Farmers: $1,162 per year, or about $97 per month.
  3. Geico: $372 per year, or about $31 per month.
  4. Kemper: $888 per year, or about $74 per month.
  5. Nationwide: $621 per year, or about $52 per month.

Cheapest auto insurance in Montana for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Montana, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $4,160 per year, or about $347 per month.
  2. Farmers: $6,434 per year, or about $536 per month.
  3. Geico: $4,071 per year, or about $339 per month.
  4. Kemper: $5,308 per year, or about $442 per month.
  5. Nationwide: $3,879 per year, or about $323 per month.

Cheapest auto insurance in Montanafor 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Allstate: $4,226 per year, or about $352 per month.
  2. Farmers: $6,203 per year, or about $517 per month.
  3. Geico: $6,068 per year, or about $506 per month.
  4. Kemper: $3,794 per year, or about $316 per month.
  5. Nationwide: $5,067 per year, or about $422 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Montana for 50-year-olds

Drivers in Montana with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Allstate: $2,632 per year, or about $219 per month.
  2. Farmers: $4,277 per year, or about $356 per month.
  3. Geico: $2,828 per year, or about $236 per month.
  4. Kemper: $3,110 per year, or about $259 per month.
  5. Nationwide: $1,955 per year, or about $163 per month.

Cheapest minimum coverage car insurance in Montana for 50-year-olds

Drivers in Montana who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Allstate: $415 per year, or about $35 per month.
  2. Farmers: $790 per year, or about $66 per month.
  3. Geico: $371 per year, or about $31 per month.
  4. Kemper: $646 per year, or about $54 per month.
  5. Nationwide: $466 per year, or about $39 per month.

Cheapest auto insurance in Montana for 50-year-olds with poor credit

Drivers with poor credit in Montana can check with the following companies, which showed the lowest average rates for full coverage:

  1. Allstate: $3,800 per year, or about $317 per month.
  2. Farmers: $6,836 per year, or about $570 per month.
  3. Geico: $4,232 per year, or about $353 per month.
  4. Kemper: $4,216 per year, or about $351 per month.
  5. Nationwide: $3,071 per year, or about $256 per month.

Cheapest auto insurance in Montana for 50-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:

  1. Allstate: $507 per year, or about $42 per month.
  2. Farmers: $1,068 per year, or about $89 per month.
  3. Geico: $466 per year, or about $39 per month.
  4. Kemper: $816 per year, or about $68 per month.
  5. Nationwide: $588 per year, or about $49 per month.

Cheapest auto insurance in Montana for 50-year-old drivers with one at-fault crash

For drivers living in Montana with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Allstate: $3,858 per year, or about $322 per month.
  2. Farmers: $6,021 per year, or about $502 per month.
  3. Geico: $4,583 per year, or about $382 per month.
  4. Kemper: $4,626 per year, or about $386 per month.
  5. Nationwide: $3,639 per year, or about $303 per month.

Cheapest auto insurance in Montana for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Allstate: $3,968 per year, or about $331 per month.
  2. Farmers: $5,791 per year, or about $483 per month.
  3. Geico: $6,541 per year, or about $545 per month.
  4. Kemper: $3,262 per year, or about $272 per month.
  5. Nationwide: $4,825 per year, or about $402 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Montana for 60-year-olds

Drivers in Montana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Allstate: $2,612 per year, or about $218 per month.
  2. Farmers: $3,906 per year, or about $326 per month.
  3. Geico: $2,872 per year, or about $239 per month.
  4. Kemper: $2,912 per year, or about $243 per month.
  5. Nationwide: $1,869 per year, or about $156 per month.

Cheapest minimum coverage car insurance in Montana for 60-year-olds

Drivers in Montana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Allstate: $415 per year, or about $35 per month.
  2. Farmers: $759 per year, or about $63 per month.
  3. Geico: $381 per year, or about $32 per month.
  4. Kemper: $624 per year, or about $52 per month.
  5. Nationwide: $442 per year, or about $37 per month.

Cheapest auto insurance in Montana for 60-year-olds with poor credit

Drivers with poor credit in Montana can look at the following companies with the lowest average rates for full coverage:

  1. Allstate: $3,716 per year, or about $310 per month.
  2. Farmers: $6,281 per year, or about $523 per month.
  3. Geico: $4,333 per year, or about $361 per month.
  4. Kemper: $3,944 per year, or about $329 per month.
  5. Nationwide: $2,942 per year, or about $245 per month.

Cheapest auto insurance in Montana for 60-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:

  1. Allstate: $507 per year, or about $42 per month.
  2. Farmers: $1,018 per year, or about $85 per month.
  3. Geico: $466 per year, or about $39 per month.
  4. Kemper: $802 per year, or about $67 per month.
  5. Nationwide: $564 per year, or about $47 per month.

Cheapest auto insurance in Montana for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Montana, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $3,821 per year, or about $318 per month.
  2. Farmers: $5,654 per year, or about $471 per month.
  3. Geico: $4,684 per year, or about $390 per month.
  4. Kemper: $4,332 per year, or about $361 per month.
  5. Nationwide: $3,513 per year, or about $293 per month.

Cheapest auto insurance in Montana for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $3,968 per year, or about $331 per month.
  2. Farmers: $5,421 per year, or about $452 per month.
  3. Geico: $6,639 per year, or about $553 per month.
  4. Kemper: $3,052 per year, or about $254 per month.
  5. Nationwide: $4,685 per year, or about $390 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Montana for 70-year-olds

Drivers in Montana with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Allstate: $2,638 per year, or about $220 per month.
  2. Farmers: $4,557 per year, or about $380 per month.
  3. Geico: $3,170 per year, or about $264 per month.
  4. Kemper: $3,094 per year, or about $258 per month.
  5. Nationwide: $2,053 per year, or about $171 per month.

Cheapest minimum coverage car insurance in Montana for 70-year-olds

Drivers in Montana who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Allstate: $415 per year, or about $35 per month.
  2. Farmers: $941 per year, or about $78 per month.
  3. Geico: $437 per year, or about $36 per month.
  4. Kemper: $756 per year, or about $63 per month.
  5. Nationwide: $535 per year, or about $45 per month.

Cheapest auto insurance in Montana for 70-year-olds with poor credit

Drivers with poor credit in Montana can look at the following companies with the lowest average rates for full coverage:

  1. Allstate: $3,833 per year, or about $319 per month.
  2. Farmers: $7,337 per year, or about $611 per month.
  3. Geico: $4,884 per year, or about $407 per month.
  4. Kemper: $4,182 per year, or about $349 per month.
  5. Nationwide: $3,216 per year, or about $268 per month.

Cheapest auto insurance in Montana for 70-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:

  1. Allstate: $507 per year, or about $42 per month.
  2. Farmers: $1,312 per year, or about $109 per month.
  3. Geico: $527 per year, or about $44 per month.
  4. Kemper: $1,002 per year, or about $84 per month.
  5. Nationwide: $658 per year, or about $55 per month.

Cheapest auto insurance in Montana for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Montana, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $3,922 per year, or about $327 per month.
  2. Farmers: $6,543 per year, or about $545 per month.
  3. Geico: $5,075 per year, or about $423 per month.
  4. Kemper: $4,640 per year, or about $387 per month.
  5. Nationwide: $3,790 per year, or about $316 per month.

Cheapest auto insurance in Montana for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $4,004 per year, or about $334 per month.
  2. Farmers: $6,288 per year, or about $524 per month.
  3. Geico: $6,976 per year, or about $581 per month.
  4. Kemper: $3,246 per year, or about $271 per month.
  5. Nationwide: $5,003 per year, or about $417 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Montana

Montana drivers are required to carry liability insurance, which helps cover others’ injury costs or property damage if you’re at fault in an accident.

The minimum limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $20,000 property damage liability per accident.

While this will allow you to drive legally, experts suggest getting more than the bare minimum to be better protected in Big Sky Country. For instance, a single at-fault accident could easily leave you owing more than $20,000 in repairs, and you'd be stuck paying the difference out of pocket.

You may also want to consider common optional coverages such as comprehensive coverage, which helps replace your car if it’s stolen, or uninsured motorist protection, which helps cover your medical treatment if you’re hit by a driver who lacks insurance.

Check out NerdWallet’s guide to state car insurance requirements for more details on the required and optional parts of your Montana auto policy.

Alternative car insurance in Montana

Drivers who try and fail to buy car insurance through the open market could qualify for coverage through the Montana Automobile Insurance Plan.

For personalized auto insurance quotes, use NerdWallet’s car insurance comparison tool to view estimates from top insurers side-by-side and possibly save hundreds.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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