10 Best Auto Insurance Companies in Montana for 2025
State Farm, Geico, and American Family are the best auto insurance companies in Montana. Affordable MT car insurance rates start at $23 per month. Reduce your Montana car insurance costs by 10%–25% using multi-policy discounts, especially when paired with usage-based or good driver programs.
Read more
Secured with SHA-256 Encryption
Find the Lowest Car Insurance Rates Today
Quote’s drivers have found rates as low as $42/month in the last few days!
Table of Contents
Table of Contents
Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Managing Editor
Aleksandra J. Churlinov holds a Bachelor of Arts in English Language and Literature and a Master of Science in Marketing Management. Over the past six years, Aleks has focused on the insurance sector, working on a range of content, including business, auto, and life insurance. In April 2025, she stepped into the role of Managing Editor, where she now leads a team of talented insurance writers. ...
Aleksandra J. Churlinov
Published Insurance Expert
Melanie Musson, a published insurance expert, is the fourth generation in her family to work in the insurance industry. Over the past two decades, she has gained in-depth knowledge of state-specific insurance laws and how insurance fits into every person’s life, from budgets to coverage levels. She specializes in autonomous technology, real estate, home security, consumer analyses, investing, di...
Melanie Musson
Updated October 2025
The best auto insurance companies in Montana are State Farm, Geico, and American Family. They offer a combination of low rates and comprehensive coverage options.
- The best auto insurance in Montana offers roadside assistance
- State Farm’s minimum liability in Montana starts at $27 monthly
- Usage-based auto programs in MT cut premiums up to 40%
State Farm is the best overall choice as it provides a local agent to back you up and multi-vehicle savings of up to 20%, making it a strong choice for many drivers.
Geico offers some of the lowest auto insurance rates in Montana, and with good driver discounts of up to 25%, it is a great choice for budget-conscious drivers.
Top 10 Companies: Best Auto Insurance in Montana| Company | Rank | Claims Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 648 / 1,000 | A++ | Local Agents |
 | #2 | 631 / 1,000 | A++ | Cost Savings |
 | #3 | 626 / 1,000 | A | Family Discounts |
 | #4 | 625 / 1,000 | A+ | Simple Claims |
 | #5 | 621 / 1,000 | A+ | Infrequent Drivers |
 | #6 | 620 / 1,000 | A | Custom Policies |
 | #7 | 607 / 1,000 | A+ | High-Risk Drivers |
 | #8 | 581 / 1,000 | A++ | Bundling Discounts |
 | #9 | 578 / 1,000 | A | 24/7 Support |
 | #10 | 560 / 1,000 | A | Online Tools |
American Family provides a good number of bundling discounts that can you could be saving big on if your home has multiple policies.
With minimum coverage from $23 per month, these providers give Montana drivers a strong balance of savings, reliable protection, and benefits for both individuals and families. Enter your ZIP code to compare rates from the top providers near you.
Cheapest Auto Insurance Rates in Montana
Montana drivers looking for the cheapest car insurance rates will often find that minimum liability coverage costs $20-$40 monthly, much cheaper than full coverage, which typically ranges from $80-$150 per month.
Getting cheap Montana auto insurance depends on driving history, vehicle, and ZIP code. Our top three picks still stand out because they deliver additional value beyond just price.
Montana Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $220 |
| $49 | $178 |
| $64 | $234 |
| $32 | $118 |
| $23 | $84 |
| $35 | $126 |
| $67 | $243 |
| $38 | $101 |
| $27 | $100 |
| $43 | $158 |
State Farm combines affordability with a strong local-agent network and many discount options, and Geico often leads in cost-effectiveness for teens and drivers with clean records.
Nationwide gives flexibility and customization for those who want more options without paying the highest premiums (Read More: Liberty Mutual vs. Nationwide Auto Insurance).
Montana auto insurance rates vary by coverage, with minimum costing less but offering limited protection. For example, raising deductibles on full coverage lowers premiums while maintaining solid protection.
Dani Best Licensed Insurance Agent
Liberty Mutual is one of the cheapest auto insurance companies in Montana at $23 a month, while full coverage costs hundreds less than the competition.
However, getting quotes from multiple insurers helps you balance cost with the coverage you need in Montana.
How Age Impacts Montana Auto Insurance Rates
Young drivers in Montana, especially teens, often pay the most for car insurance, while older, more experienced drivers usually see much lower monthly costs for cheap auto insurance for teens.
For example, a 16-year-old might pay several hundred dollars a month, while by age 65, the cost can drop to under $40 per month with certain clean-record insurers.
Montana Auto Insurance Monthly Rates by Age| Company | Age: 16 | Age: 25 | Age: 35 | Age: 45 | Age: 55 | Age: 65 |
|---|---|---|---|---|---|---|
| $275 | $67 | $161 | $60 | $57 | $59 |
| $228 | $61 | $118 | $49 | $46 | $49 |
| $268 | $73 | $239 | $64 | $60 | $63 |
| $120 | $41 | $78 | $32 | $30 | $31 |
| $54 | $27 | $288 | $23 | $21 | $23 |
| $110 | $39 | $124 | $35 | $33 | $34 |
| $288 | $80 | $98 | $67 | $63 | $66 |
| $208 | $46 | $82 | $38 | $36 | $37 |
| $98 | $30 | $120 | $27 | $26 | $27 |
| $427 | $50 | $126 | $43 | $41 | $43 |
Some companies really shine depending on your age and history. State Farm tends to offer the best balance of low cost and good service across most age groups, while Geico is often a strong option if you’ve got a good driving record or want online convenience.
Liberty Mutual sometimes gives the cheapest rates for new drivers, but it may be less competitive for older drivers or full coverage.
How Driving History Affects Montana Auto Insurance Rates
Drivers in Montana with clean driving histories often enjoy the lowest monthly rates. Some can pay around $23 monthly for basic cover and under $35 per month for full cover, depending on the company.
On the other hand, one accident or ticket can raise your monthly cost significantly, and a DUI may push premiums up to $60-$90 per month or more.
Montana Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $60 | $78 | $83 | $67 |
| $49 | $74 | $81 | $57 |
| $64 | $88 | $84 | $64 |
| $32 | $44 | $78 | $33 |
| $23 | $40 | $40 | $31 |
| $35 | $59 | $78 | $46 |
| $67 | $103 | $93 | $81 |
| $38 | $59 | $67 | $48 |
| $27 | $31 | $30 | $30 |
| $43 | $61 | $90 | $59 |
State Farm car insurance in Montana consistently offers low extra charges for drivers with minor violations, meaning your monthly increase stays modest.
Geico tends to undercut many rivals for clean-record drivers, keeping your base monthly rate lower and barely increasing costs after a speeding ticket or accident.
The average cost of auto insurance for drivers with very clean records is often lowest at Liberty Mutual, especially for drivers under 25 or first-time policyholders seeking cheap auto insurance for teens.
Insurers raise your rates if you get into trouble, so what’s cheap now can turn average later. It’s smart to shop around and compare quotes whenever your driving or life situation changes.
Free Auto Insurance Comparison
Compare Quotes from Top Companies and Save
Secured with SHA-256 Encryption
Ways to Reduce Montana Auto Insurance Costs
Top Montana auto insurance companies offer discounts that can significantly lower your premiums when you combine them with smart savings strategies.
Liberty Mutual leads with a 35% anti-theft discount, while Nationwide stands out with 40% good driver and usage-based savings, making it especially rewarding for safe, low-mileage drivers.
Top Auto Insurance Discounts in Montana| Company | Bundling | Good Driver | Multi- Vehicle | Usage- Based |
|---|---|---|---|---|
| 25% | 25% | 25% | 30% |
| 25% | 25% | 20% | 30% |
| 20% | 30% | 20% | 30% |
| 25% | 26% | 25% | 25% |
| 25% | 20% | 25% | 30% |
| 20% | 40% | 12% | 40% |
| 10% | 30% | 12% | $231/yr |
| 15% | 10% | 20% | 30% |
| 17% | 25% | 20% | 30% |
| 13% | 10% | 25% | 30% |
Geico, Allstate, and American Family provide well-rounded savings, typically offering up to 25% on bundling, multi-vehicle auto insurance discounts, and good driver programs.
More moderate discounts are offered by State Farm, Safeco, and Travelers, usually ranging from 10% to 25%, with the biggest savings going to good drivers with clean records.
Shopping for new quotes yearly can keep your Montana auto insurance costs low while still giving you solid protection against the weather-related risks in Big Sky Country.
In addition to company discounts, drivers can save by raising deductibles, which lowers monthly premiums. Good credit, safer or anti-theft-equipped cars, and reviewing older vehicles’ coverage help you save.
- Raise Your Deductible: Choosing a higher deductible can lower your monthly premium, but it’s best for drivers who can afford the out-of-pocket cost after an accident.
- Maintain Good Credit: Many insurers use credit scores to help determine rates. Keeping a strong credit history can translate into lower premiums.
- Choose a Safer Car: Cars that have high safety ratings, anti-lock brakes, and good crash-test results are usually eligible for the lower rates.
- Review Coverage Regularly: If your car is older, you may not need full coverage, and dropping collision or comprehensive can bring significant savings.
- Shop Around Annually: Rates can change year to year, and different insurers weigh risk factors differently. Comparing quotes at least once a year ensures you’re not overpaying.
Even if you don’t have the best record, reviewing coverage and driving a reliable car will help reduce your rates. Always compare multiple companies to find the cheapest car insurance in Montana.
Enter your ZIP code to start comparing Montana insurance companies for free. You can find the absolute lowest rates based on your vehicle and city.
10 Best Auto Insurance Companies in Montana
State Farm is the biggest name among Montana car insurance companies, holding over a third of the state market due to its competitive pricing and broad agent network.
Progressive and Liberty Mutual take another third, offering competitive rates and discounts (Read More: 17 Car Insurance Discounts You Can’t Miss).
Farmers has a 13% market share, providing reliable coverage and bundling options, while Allstate comes in at 6%, with its digital tools and brand recognition.
These companies constitute most of the Montana auto insurance market, but don’t let that limit your options. Compare the best car insurance companies in Montana against the largest to see which is the right fit for you.
#1 – State Farm: Top Overall Pick
Pros
- Personalized Service: Agents understand Montana-specific risks like wildlife collisions and severe weather. Read our State Farm auto insurance review for more.
- Strong Network: With the largest share of Montana’s auto insurance market, agents are widely available.
- Community Knowledge: Montana agents know local roads, rural driving, and farm vehicle needs.
Cons
- Higher Premiums: While affordable for some drivers, State Farm can cost more than online-first insurers like Geico or Liberty Mutual in certain parts of Montana.
- Service Quality Varies: Local agents are often independent, which can mean different quality of service throughout Montana.
#2 – Geico: Best for Cost Savings
Pros
- Affordable Minimum Coverage: Cheap minimum coverage car insurance in Montana from Geico, as low as about $32 a month on average.
- Discount Opportunities: Drivers in Montana may be eligible for a variety of discounts at Geico, such as the 25% bundling discount and 25% good driver discount.
- Usage-Based Savings: Safe drivers in Montana can save with Geico’s DriveEasy program, which rewards good habits. Check out our Geico insurance review for insights.
Cons
- Fewer Local Agents: Montana drivers may find limited access to in-person service since Geico operates primarily online and by phone.
- Limited Specialty Coverage: Certain policy add-ons, like gap insurance or custom parts coverage, may not be as robust as those available from other insurers in Montana.
#3 – American Family: Best for Family Discounts
Pros
- Strong Family Savings: American Family offers up to 25% bundling discounts in Montana, making it a great option for families combining auto and home coverage.
- Teen Driver Support: Families with young drivers in Montana can save with good student discounts to lower premiums. Explore our American Family Insurance review.
- Safe Driving Rewards: Montana families can earn additional discounts through the company’s usage-based program (up to 30%), encouraging safer driving habits.
Cons
- Discount Caps: While discounts are helpful, they often max out at 25%, which may be less competitive than Nationwide’s 40% good driver savings in Montana.
- Limited Availability: American Family may not be as widely available across all Montana rural areas compared to bigger providers like State Farm or Progressive.
#4 – Nationwide: Best for Simple Claims
Pros
- High Customer Satisfaction for Simplicity: Simplicity clearly resonates with many Montana drivers, and this gives excellent customer ratings when it comes to filing a claim.
- Streamlined Digital Claims: Nationwide’s simple claims process allows Montana drivers to file online or via mobile, speeding up resolution.
- Broad Provider Network: Nationwide works with local Montana repair shops, making repairs and claims easier. Learn more in our Nationwide auto insurance review.
Cons
- Slower Resolution for Complex Cases: While simple claims are fast, complex or multi-vehicle claims in Montana may still take weeks.
- Discount Eligibility Varies: Usage-based and good driver discounts may not apply to every Montana driver, limiting overall savings.
#5 – Allstate: Best for Infrequent Drivers
Pros
- Accident Forgiveness: Montana infrequent drivers benefit from Allstate’s accident forgiveness, which ensures their premiums won’t increase after their first at-fault accident.
- Milewise Program: Allstate offers a pay-per-mile plan, ideal for Montana drivers who don’t drive often, helping reduce costs. See our Allstate insurance review for more.
- Bundling Options: Drivers can combine auto with home or renters insurance to save more, especially useful for Montana homeowners.
Cons
- Limited Customization: Montana already has fewer coverage options for you to choose from than with Progressive, even though more is still better.
- Average Claims Satisfaction: While customer service is strong, claims handling in Montana reviews averages slightly lower than competitors.
#6 – Farmers: Best for Custom Policies
Pros
- Customizable Coverage Options: Farmers allows Montana drivers to tailor policies with add-ons like roadside assistance, accident forgiveness, and rideshare coverage.
- Strong Discounts: Offers up to 30% Good Driver Discounts, and multi-policy savings, making it easier for Montanans to reduce premiums.
- Solid Market Presence: Farmers holds 13% of Montana’s auto insurance market, securing a strong foothold. Find additional info in our Farmers Insurance review.
Cons
- Not Always Best for Clean Records: Drivers with spotless records may find cheaper options with State Farm or Liberty Mutual in Montana.
- Limited Digital Tools: While Farmers has an app, its digital tools aren’t as advanced as competitors like Progressive or Geico in Montana.
#7 – Progressive: Best for High-Risk Drivers
Pros
- Flexible Coverage Options: Progressive offers accident forgiveness and gap insurance, ideal for high-risk Montana drivers. Find more in our Progressive auto insurance review.
- Telematics Savings: Their Snapshot Program in Montana rewards safe driving and low mileage, helping high-risk drivers potentially lower premiums as they improve their habits.
- Specialized for High-Risk Profiles: More willing than many insurers in Montana to provide coverage for drivers with DUIs, tickets, or past accidents on record.
Cons
- Limited Local Agent Presence: While digital tools are strong, some Montana drivers prefer in-person service, where State Farm dominates.
- Steep Increases After Violations: Rates in Montana can spike significantly after DUIs or multiple tickets compared to low-risk drivers.
#8 – Travelers: Best for Bundling Discounts
Pros
- Multi-Policy Savings: Montana drivers can save up to 13% by bundling auto with home, renters, or other policies. Find the full list in our Travelers auto insurance review.
- Added Policy Features: Bundled customers in Montana may qualify for perks like accident forgiveness or roadside assistance at reduced costs.
- Trust and Reputation: Travelers offers stability and has strong financials to back their guarantee on reliable claims service in Montana.
Cons
- Not Always Cheapest Overall: Even with bundling, Travelers’ base rates can be higher than Liberty Mutual’s or State Farm’s in Montana.
- Fewer Digital Tools: Compared to Progressive or Geico, Travelers’ digital tools are less robust, which may inconvenience tech-savvy Montana drivers.
#9 – Liberty Mutual: Best for 24/7 Support
Pros
- 24/7 Assistance: Montana customers can reach Liberty Mutual 24/7, so claims and emergencies get quickly addressed.
- Quick Claims Processing: The 24/7 claims center minimizes downtime after accidents, especially helpful in rural Montana, where service access is limited.
- High Discount Opportunities: Montana customers get strong support with up to 35% off anti-theft and 25% on bundling. See our Liberty Mutual insurance review for more.
Cons
- Digital Dependence: Certain services push customers toward the app or website, which may not suit all Montana residents in rural areas with limited internet.
- Limited Local Agent Access: Although support is 24/7, fewer in-person offices in smaller Montana towns may be a drawback for customers who prefer face-to-face help.
#10 – Safeco: Best for Online Tools
Pros
- User-Friendly Platform: Safeco’s app allows Montana drivers to manage policies, claims, and payments easily. Explore our Safeco auto insurance review for more details.
- Claims Tracking: The online dashboard provides real-time updates on claims, helping Montana drivers stay informed throughout the process.
- Policy Customization: Montana customers can adjust deductibles, coverage limits, or add-ons directly online without always calling an agent.
Cons
- Learning Curve for New Users: Older policyholders in Montana may find the app or dashboard navigation less intuitive.
- Limited Agent Interaction: Montana drivers preferring in-person or phone-based service may find Safeco’s heavy digital focus less personal.
Find the Right Montana Auto Insurance
When it comes to choosing the best auto insurance companies in Montana, State Farm, Geico, and American Family always come out on top.
State Farm earns the top spot for its dependable local agent network and multi-vehicle discounts. Geico stands out with some of the lowest rates and good driver discounts.
High-risk drivers might have a hard time finding cheap auto insurance in Montana, so look for competitive bundling discounts.
Tim Bain Licensed Insurance Agent
American Family delivers strong value through the best auto and home insurance bundles. Together, they offer Montana drivers a blend of affordability, discounts, and robust coverage choices.
Start comparing the best Montana car insurance companies near you. Enter your ZIP code to find the most affordable quotes in your area.
Frequently Asked Questions
What is the best car insurance in Montana?
The best auto insurance in Montana comes from State Farm, Geico, and American Family. State Farm is the top pick with cheap auto insurance for multiple vehicles, Geico offers low rates with 25% good driver savings, and American Family provides strong bundling options.
What is the cheapest car insurance company in Montana?
Who has the cheapest auto insurance in Montana? The cheapest car insurance company in Montana is Liberty Mutual, offering minimum coverage starting at $23 per month.
How much is car insurance in Montana?
How much is car insurance per month in Montana? Montana auto insurance starts as low as $23 per month for minimum coverage with Liberty Mutual, while most drivers pay between $32 and $243 per month, depending on coverage and provider.
What information do I need to get car insurance in Montana?
To buy car insurance in Montana, you will be required to provide your personal information, driver’s license number, Social Security number, driving history, and vehicle information, as well as details about past coverage.
How much does Geico car insurance in Montana cost per month?
Geico car insurance in Montana often costs about $30 a month for minimum liability auto insurance and around $106 per month for full coverage plans.
What is the penalty for driving without insurance in Montana?
In Montana, driving without insurance can mean fines from $250–$500 and up to 10 days in jail, with repeat offenses reaching $1,000 and license suspension. Since minimum coverage starts at just $23 per month, insurance is far cheaper than the penalties.
What are the auto insurance requirements in Montana?
Montana requires minimum liability coverage of $25,000 per person, $50,000 per accident, $20,000 property damage. Minimum coverage rates start as low as $23 per month with Liberty Mutual, with State Farm averaging $27 and Safeco $38, making it affordable to meet state requirements.
Is maintaining good credit one of the six ways to lower car insurance rates in Montana?
Yes, insurers often use credit scores to assess risk. A strong credit history signals responsibility and decreased likelihood of filing claims. Learn more hacks to save money on auto insurance.
Does insurance follow the car or the driver in Montana?
Auto insurance usually follows the car rather than the driver, meaning your policy provides the primary coverage if someone else drives your vehicle. For example, Liberty Mutual offers minimum coverage from $23 per month, while State Farm’s plans start at $27 for minimum and $100 for full coverage.
Is there a tool to estimate your car insurance cost in Montana accurately?
Yes, online comparison tools allow you to estimate your car insurance cost in Montana instantly by showing rates from multiple providers. Enter your ZIP code into our free comparison tool to get started.
What is full coverage car insurance in Montana?
Are there discount programs or special features with Progressive car insurance in Montana?
Related Articles
-
Sep 2025
10 Best Auto Insurance Companies in New York for 2025
-
Sep 2025
10 Best Auto Insurance Companies in Florida for 2025
-
Oct 2025
10 Best Auto Insurance Companies in Oklahoma for 2025
-
Sep 2025
10 Best Auto Insurance Companies in Maryland in 2025
-
Sep 2025
10 Best Auto Insurance Companies in Texas for 2025
-
Sep 2025
10 Best Auto Insurance Companies in Mississippi for 2025
Get a FREE Quote in Minutes
Insurance rates change constantly — we help you stay ahead by making it easy to compare top options and save.
Secured with SHA-256 Encryption
