The Cheapest Car Insurance in Montana for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Montana for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Montana isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Montana is $2,008 per year, or about $167 per month, according to NerdWallet’s analysis. Minimum coverage in Montana is $460 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 $213 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: 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 the country 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.

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Cheapest car insurance company overall in Montana

$92/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$18/month

5.0

NerdWallet rating 

Cheapest for young drivers

$176/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

$92/month

5.0

NerdWallet rating 

How we chose the cheapest companies in Montana

NerdWallet’s editorial team analyzed car insurance rates from eight auto insurers in Montana and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

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. State Farm: $2,107 per year, or about $176 per month.

  2. Nationwide: $3,093 per year, or about $258 per month.

  3. Progressive: $3,103 per year, or about $259 per month.

  4. Farmers: $3,803 per year, or about $317 per month.

  5. Geico: $4,782 per year, or about $398 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. State Farm: $454 per year, or about $38 per month.

  2. Geico: $722 per year, or about $60 per month.

  3. Progressive: $863 per year, or about $72 per month.

  4. Nationwide: $901 per year, or about $75 per month.

  5. Allstate: $1,050 per year, or about $88 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. Geico: $966 per year, or about $80 per month.

  2. State Farm: $987 per year, or about $82 per month.

  3. Progressive: $1,221 per year, or about $102 per month.

  4. Nationwide: $1,257 per year, or about $105 per month.

  5. Allstate: $1,590 per year, or about $132 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. State Farm: $596 per year, or about $50 per month.

  2. Geico: $893 per year, or about $74 per month.

  3. Progressive: $1,057 per year, or about $88 per month.

  4. Nationwide: $1,066 per year, or about $89 per month.

  5. Allstate: $1,387 per year, or about $116 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. State Farm: $716 per year, or about $60 per month.

  2. Progressive: $910 per year, or about $76 per month.

  3. Geico: $1,080 per year, or about $90 per month.

  4. Nationwide: $1,273 per year, or about $106 per month.

  5. Allstate: $1,357 per year, or about $113 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. State Farm: $1,126 per year, or about $94 per month.

  2. Nationwide: $1,437 per year, or about $120 per month.

  3. Progressive: $1,512 per year, or about $126 per month.

  4. Farmers: $1,959 per year, or about $163 per month.

  5. Geico: $2,250 per year, or about $188 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. State Farm: $214 per year, or about $18 per month.

  2. Geico: $319 per year, or about $27 per month.

  3. Progressive: $434 per year, or about $36 per month.

  4. Nationwide: $438 per year, or about $36 per month.

  5. Farmers: $486 per year, or about $40 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. State Farm: $2,247 per year, or about $187 per month.

  2. Nationwide: $2,285 per year, or about $190 per month.

  3. Progressive: $2,432 per year, or about $203 per month.

  4. Farmers: $3,067 per year, or about $256 per month.

  5. Geico: $3,088 per year, or about $257 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. State Farm: $1,385 per year, or about $115 per month.

  2. Progressive: $2,348 per year, or about $196 per month.

  3. Nationwide: $2,487 per year, or about $207 per month.

  4. Farmers: $2,792 per year, or about $233 per month.

  5. Geico: $3,034 per year, or about $253 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. State Farm: $1,542 per year, or about $128 per month.

  2. Progressive: $1,674 per year, or about $140 per month.

  3. Farmers: $2,633 per year, or about $219 per month.

  4. Allstate: $3,072 per year, or about $256 per month.

  5. Nationwide: $3,165 per year, or about $264 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. State Farm: $1,093 per year, or about $91 per month.

  2. Nationwide: $1,415 per year, or about $118 per month.

  3. Progressive: $1,417 per year, or about $118 per month.

  4. Farmers: $1,985 per year, or about $165 per month.

  5. Geico: $2,196 per year, or about $183 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. State Farm: $213 per year, or about $18 per month.

  2. Geico: $313 per year, or about $26 per month.

  3. Progressive: $427 per year, or about $36 per month.

  4. Nationwide: $438 per year, or about $36 per month.

  5. Farmers: $492 per year, or about $41 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. State Farm: $2,178 per year, or about $182 per month.

  2. Nationwide: $2,251 per year, or about $188 per month.

  3. Progressive: $2,280 per year, or about $190 per month.

  4. Geico: $2,997 per year, or about $250 per month.

  5. Farmers: $3,134 per year, or about $261 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. State Farm: $1,346 per year, or about $112 per month.

  2. Progressive: $2,242 per year, or about $187 per month.

  3. Nationwide: $2,456 per year, or about $205 per month.

  4. Farmers: $2,828 per year, or about $236 per month.

  5. Geico: $2,968 per year, or about $247 per month.

Cheapest auto insurance in Montana for 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. State Farm: $1,503 per year, or about $125 per month.

  2. Progressive: $1,577 per year, or about $131 per month.

  3. Farmers: $2,667 per year, or about $222 per month.

  4. Allstate: $3,069 per year, or about $256 per month.

  5. Nationwide: $3,134 per year, or about $261 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. State Farm: $1,055 per year, or about $88 per month.

  2. Progressive: $1,321 per year, or about $110 per month.

  3. Nationwide: $1,337 per year, or about $111 per month.

  4. Farmers: $1,917 per year, or about $160 per month.

  5. Geico: $2,087 per year, or about $174 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. State Farm: $207 per year, or about $17 per month.

  2. Geico: $293 per year, or about $24 per month.

  3. Progressive: $410 per year, or about $34 per month.

  4. Nationwide: $414 per year, or about $34 per month.

  5. Farmers: $459 per year, or about $38 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. State Farm: $2,093 per year, or about $174 per month.

  2. Progressive: $2,127 per year, or about $177 per month.

  3. Nationwide: $2,130 per year, or about $178 per month.

  4. Geico: $2,851 per year, or about $238 per month.

  5. Farmers: $3,042 per year, or about $254 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. State Farm: $1,302 per year, or about $108 per month.

  2. Progressive: $2,215 per year, or about $185 per month.

  3. Nationwide: $2,348 per year, or about $196 per month.

  4. Farmers: $2,781 per year, or about $232 per month.

  5. Geico: $2,841 per year, or about $237 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. State Farm: $1,453 per year, or about $121 per month.

  2. Progressive: $1,475 per year, or about $123 per month.

  3. Farmers: $2,629 per year, or about $219 per month.

  4. Allstate: $3,018 per year, or about $252 per month.

  5. Nationwide: $3,038 per year, or about $253 per month.

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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. State Farm: $992 per year, or about $83 per month.

  2. Nationwide: $1,282 per year, or about $107 per month.

  3. Progressive: $1,285 per year, or about $107 per month.

  4. Farmers: $1,742 per year, or about $145 per month.

  5. Geico: $2,153 per year, or about $179 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. State Farm: $196 per year, or about $16 per month.

  2. Geico: $303 per year, or about $25 per month.

  3. Nationwide: $393 per year, or about $33 per month.

  4. Progressive: $408 per year, or about $34 per month.

  5. Farmers: $413 per year, or about $34 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. State Farm: $1,966 per year, or about $164 per month.

  2. Nationwide: $2,047 per year, or about $171 per month.

  3. Progressive: $2,060 per year, or about $172 per month.

  4. Farmers: $2,765 per year, or about $230 per month.

  5. Geico: $2,944 per year, or about $245 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. State Farm: $1,228 per year, or about $102 per month.

  2. Progressive: $2,175 per year, or about $181 per month.

  3. Nationwide: $2,268 per year, or about $189 per month.

  4. Farmers: $2,611 per year, or about $218 per month.

  5. Geico: $2,923 per year, or about $244 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. State Farm: $1,370 per year, or about $114 per month.

  2. Progressive: $1,438 per year, or about $120 per month.

  3. Farmers: $2,459 per year, or about $205 per month.

  4. Nationwide: $2,958 per year, or about $246 per month.

  5. Allstate: $2,967 per year, or about $247 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 the cheapest auto insurance option for 35 of the 48 driver profiles we examined.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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