Cheap Car Insurance in Montana for June 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 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 $1,738 per year, or about $145 per month.

🤓Nerdy Tip

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 $422 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 $179 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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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.

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. QBE: $2,041 per year, or about $170 per month.
  2. State Farm: $3,070 per year, or about $256 per month.
  3. Nationwide: $3,783 per year, or about $315 per month.
  4. Progressive: $4,167 per year, or about $347 per month.
  5. Geico: $5,000 per year, or about $417 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. QBE: $439 per year, or about $37 per month.
  2. State Farm: $458 per year, or about $38 per month.
  3. Geico: $682 per year, or about $57 per month.
  4. Progressive: $896 per year, or about $75 per month.
  5. Allstate: $958 per year, or about $80 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: $767 per year, or about $64 per month.
  2. QBE: $792 per year, or about $66 per month.
  3. Allstate: $1,170 per year, or about $98 per month.
  4. Progressive: $1,336 per year, or about $111 per month.
  5. Nationwide: $1,341 per year, or about $112 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. State Farm: $530 per year, or about $44 per month.
  2. QBE: $715 per year, or about $60 per month.
  3. Geico: $733 per year, or about $61 per month.
  4. Progressive: $1,031 per year, or about $86 per month.
  5. Nationwide: $1,086 per year, or about $91 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: $598 per year, or about $50 per month.
  2. QBE: $715 per year, or about $60 per month.
  3. Geico: $846 per year, or about $71 per month.
  4. Progressive: $1,080 per year, or about $90 per month.
  5. Nationwide: $1,128 per year, or about $94 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: $712 per year, or about $59 per month.
  2. Progressive: $978 per year, or about $81 per month.
  3. QBE: $1,039 per year, or about $87 per month.
  4. Geico: $1,108 per year, or about $92 per month.
  5. Nationwide: $1,338 per year, or about $112 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. QBE: $1,217 per year, or about $101 per month.
  2. State Farm: $1,438 per year, or about $120 per month.
  3. Nationwide: $1,649 per year, or about $137 per month.
  4. Geico: $1,833 per year, or about $153 per month.
  5. Progressive: $2,163 per year, or about $180 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: $174 per year, or about $15 per month.
  2. QBE: $181 per year, or about $15 per month.
  3. Geico: $239 per year, or about $20 per month.
  4. Nationwide: $443 per year, or about $37 per month.
  5. Progressive: $445 per year, or about $37 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. QBE: $1,844 per year, or about $154 per month.
  2. Geico: $2,152 per year, or about $179 per month.
  3. Nationwide: $2,606 per year, or about $217 per month.
  4. Allstate: $3,273 per year, or about $273 per month.
  5. Progressive: $3,397 per year, or about $283 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. State Farm: $202 per year, or about $17 per month.
  2. Geico: $260 per year, or about $22 per month.
  3. QBE: $323 per year, or about $27 per month.
  4. Progressive: $548 per year, or about $46 per month.
  5. Nationwide: $549 per year, or about $46 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. QBE: $1,716 per year, or about $143 per month.
  2. State Farm: $1,755 per year, or about $146 per month.
  3. Geico: $2,602 per year, or about $217 per month.
  4. Nationwide: $2,903 per year, or about $242 per month.
  5. Progressive: $3,308 per year, or about $276 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: $1,939 per year, or about $162 per month.
  2. QBE: $2,336 per year, or about $195 per month.
  3. Progressive: $2,549 per year, or about $212 per month.
  4. Allstate: $3,539 per year, or about $295 per month.
  5. Kemper: $3,614 per year, or about $301 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. QBE: $1,140 per year, or about $95 per month.
  2. State Farm: $1,399 per year, or about $117 per month.
  3. Nationwide: $1,627 per year, or about $136 per month.
  4. Geico: $1,833 per year, or about $153 per month.
  5. Progressive: $1,968 per year, or about $164 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: $169 per year, or about $14 per month.
  2. QBE: $175 per year, or about $15 per month.
  3. Geico: $239 per year, or about $20 per month.
  4. Progressive: $418 per year, or about $35 per month.
  5. Nationwide: $443 per year, or about $37 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. QBE: $1,675 per year, or about $140 per month.
  2. Geico: $2,152 per year, or about $179 per month.
  3. Nationwide: $2,571 per year, or about $214 per month.
  4. Progressive: $3,100 per year, or about $258 per month.
  5. Allstate: $3,199 per year, or about $267 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. State Farm: $197 per year, or about $16 per month.
  2. Geico: $260 per year, or about $22 per month.
  3. QBE: $325 per year, or about $27 per month.
  4. Progressive: $518 per year, or about $43 per month.
  5. Nationwide: $549 per year, or about $46 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. QBE: $1,646 per year, or about $137 per month.
  2. State Farm: $1,708 per year, or about $142 per month.
  3. Geico: $2,602 per year, or about $217 per month.
  4. Nationwide: $2,870 per year, or about $239 per month.
  5. Progressive: $3,066 per year, or about $256 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. State Farm: $1,888 per year, or about $157 per month.
  2. QBE: $2,241 per year, or about $187 per month.
  3. Progressive: $2,343 per year, or about $195 per month.
  4. Kemper: $2,866 per year, or about $239 per month.
  5. Allstate: $3,539 per year, or about $295 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. QBE: $1,108 per year, or about $92 per month.
  2. State Farm: $1,332 per year, or about $111 per month.
  3. Nationwide: $1,512 per year, or about $126 per month.
  4. Progressive: $1,770 per year, or about $147 per month.
  5. Allstate: $1,993 per year, or about $166 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: $164 per year, or about $14 per month.
  2. QBE: $174 per year, or about $15 per month.
  3. Geico: $267 per year, or about $22 per month.
  4. Progressive: $394 per year, or about $33 per month.
  5. Nationwide: $415 per year, or about $35 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. QBE: $1,613 per year, or about $134 per month.
  2. Nationwide: $2,401 per year, or about $200 per month.
  3. Geico: $2,433 per year, or about $203 per month.
  4. Progressive: $2,802 per year, or about $233 per month.
  5. Allstate: $2,928 per year, or about $244 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. State Farm: $188 per year, or about $16 per month.
  2. Geico: $294 per year, or about $24 per month.
  3. QBE: $363 per year, or about $30 per month.
  4. Progressive: $500 per year, or about $42 per month.
  5. Nationwide: $521 per year, or about $43 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: $1,629 per year, or about $136 per month.
  2. QBE: $1,682 per year, or about $140 per month.
  3. Nationwide: $2,706 per year, or about $226 per month.
  4. Geico: $2,851 per year, or about $238 per month.
  5. Progressive: $2,857 per year, or about $238 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: $1,804 per year, or about $150 per month.
  2. Progressive: $2,133 per year, or about $178 per month.
  3. QBE: $2,314 per year, or about $193 per month.
  4. Kemper: $2,472 per year, or about $206 per month.
  5. Allstate: $3,167 per year, or about $264 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. QBE: $1,113 per year, or about $93 per month.
  2. State Farm: $1,241 per year, or about $103 per month.
  3. Nationwide: $1,446 per year, or about $121 per month.
  4. Progressive: $1,693 per year, or about $141 per month.
  5. Allstate: $1,959 per year, or about $163 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: $155 per year, or about $13 per month.
  2. QBE: $199 per year, or about $17 per month.
  3. Geico: $275 per year, or about $23 per month.
  4. Progressive: $388 per year, or about $32 per month.
  5. Nationwide: $394 per year, or about $33 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. QBE: $1,601 per year, or about $133 per month.
  2. Nationwide: $2,303 per year, or about $192 per month.
  3. Geico: $2,489 per year, or about $207 per month.
  4. Progressive: $2,665 per year, or about $222 per month.
  5. Kemper: $2,874 per year, or about $240 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. State Farm: $179 per year, or about $15 per month.
  2. Geico: $301 per year, or about $25 per month.
  3. QBE: $416 per year, or about $35 per month.
  4. Progressive: $492 per year, or about $41 per month.
  5. Nationwide: $500 per year, or about $42 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: $1,519 per year, or about $127 per month.
  2. QBE: $1,709 per year, or about $142 per month.
  3. Nationwide: $2,617 per year, or about $218 per month.
  4. Progressive: $2,761 per year, or about $230 per month.
  5. Geico: $2,907 per year, or about $242 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: $1,681 per year, or about $140 per month.
  2. Progressive: $2,048 per year, or about $171 per month.
  3. Kemper: $2,318 per year, or about $193 per month.
  4. QBE: $2,371 per year, or about $198 per month.
  5. Allstate: $3,167 per year, or about $264 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. QBE: $1,205 per year, or about $100 per month.
  2. State Farm: $1,283 per year, or about $107 per month.
  3. Nationwide: $1,573 per year, or about $131 per month.
  4. Progressive: $1,812 per year, or about $151 per month.
  5. Allstate: $2,159 per year, or about $180 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. State Farm: $163 per year, or about $14 per month.
  2. QBE: $253 per year, or about $21 per month.
  3. Geico: $315 per year, or about $26 per month.
  4. Progressive: $440 per year, or about $37 per month.
  5. Nationwide: $475 per year, or about $40 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. QBE: $1,715 per year, or about $143 per month.
  2. Nationwide: $2,485 per year, or about $207 per month.
  3. Geico: $2,805 per year, or about $234 per month.
  4. Progressive: $2,853 per year, or about $238 per month.
  5. Allstate: $3,008 per year, or about $251 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. State Farm: $187 per year, or about $16 per month.
  2. Geico: $346 per year, or about $29 per month.
  3. Nationwide: $581 per year, or about $48 per month.
  4. QBE: $585 per year, or about $49 per month.
  5. Progressive: $589 per year, or about $49 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. State Farm: $1,573 per year, or about $131 per month.
  2. QBE: $1,986 per year, or about $166 per month.
  3. Nationwide: $2,825 per year, or about $235 per month.
  4. Progressive: $3,070 per year, or about $256 per month.
  5. Geico: $3,150 per year, or about $262 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. State Farm: $1,746 per year, or about $146 per month.
  2. Progressive: $2,297 per year, or about $191 per month.
  3. Kemper: $2,470 per year, or about $206 per month.
  4. QBE: $2,811 per year, or about $234 per month.
  5. Allstate: $3,405 per year, or about $284 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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