Cheapest Car Insurance In Montana For 2024
GEICO offers competitive prices and reliable service, with coverage ranging from basic to comprehensive.
We’ve saved shoppers an average of $600 per year on their car insurance.
In Montana, finding cheap car insurance can be tough, but there are good options available. With the cost of living going up and plenty of choices out there, it’s important to get car insurance that fits your budget and needs. Whether you’re a new driver, a regular commuter, or a family looking to save on insurance costs, understanding what affects your premiums and where to find the best deals is key.
Based on over ten years of research on car insurance policies, I’ve gathered some insights to help you navigate this complex market.
Cheapest Car Insurance Companies In Montana
Cheapest Car Insurance In Montana For Young Drivers
In Montana, car insurance tends to be less expensive for young adults compared to teenagers. This is because as individuals age, they typically drive with more caution, leading to fewer accidents and insurance payouts. Insurance providers factor this in and offer lower rates to young adults with a track record of safe driving.
Cheapest Montana Car Insurance For 16-Year-Olds
QBE Insurance Group offers great bargains for teenagers who are 16 years old. They provide insurance at prices that are reasonable, averaging around $352 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $395 | $4,738 |
| USAA | $405 | $4,858 |
| Geico | $510 | $6,118 |
| Nationwide | $355 | $4,258 |
| QBE Insurance Group | $352 | $4,222 |
Cheapest Montana Car Insurance For 17-Year-Olds
QBE Insurance Group has the most competitive rates for 17-year-olds, averaging around $230 for their insurance coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $290 | $3,478 |
| Progressive | $304 | $3,646 |
| Nationwide | $345 | $4,138 |
| QBE Insurance Group | $230 | $2,758 |
| USAA | $258 | $3,094 |
Cheapest Montana Car Insurance For 18-Year-Olds
QBE Insurance Group offers competitive rates tailored for 18-year-olds, typically averaging about $200 each month for insurance coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $247 | $2,962 |
| State Farm | $264 | $3,166 |
| Nationwide | $345 | $4,138 |
| QBE Insurance Group | $200 | $2,398 |
| USAA | $226 | $2,710 |
Cheapest Montana Car Insurance For 21-Year-Olds
USAA provides the most competitive rates for individuals who are 21 years old, with an average monthly expense of $105.
| Provider | Average Monthly Cost | Average Annual Cost |
| QBE Insurance Group | $154 | $1,846 |
| State Farm | $170 | $2,038 |
| Nationwide | $200 | $2,398 |
| USAA | $105 | $1,258 |
| Progressive | $150 | $1,798 |
Cheapest Car Insurance In Montana For Minimum Coverage
In Montana, GEICO stands out as the most budget-friendly option for liability car insurance. Their typical starting monthly rates hover around $42, making them an affordable pick for many drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$45 |
$538 |
|
GEICO |
$42 |
$501 |
|
Farmers |
$85 |
$1,018 |
|
Allstate |
$45 |
$538 |
|
State Farm |
$43 |
$514 |
In Montana, drivers must have a specific level of car insurance to legally operate their vehicles. This basic coverage typically includes liability insurance, which has two main parts: bodily injury liability and property damage liability.
Cheapest Car Insurance In Montana For Full Coverage
State Farm offers the most affordable prices for full car insurance coverage in Montana, starting at around $50 each month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$114 |
$1,366 |
|
$50 |
$598 |
|
|
Allstate |
$90 |
$1,078 |
|
Farmers |
$85 |
$1,018 |
|
Progressive |
$96 |
$1,150 |
This type of insurance provides peace of mind by ensuring broad financial protection in various scenarios, ensuring coverage for both your vehicle and others in an accident. However, it’s crucial to review your policy carefully to understand coverage limits and deductibles for adequate protection.
Cheapest Car Insurance In Montana For Seniors
State Farm offers affordable insurance plans specifically designed for older folks residing in Montana, starting at around $45 per month on average.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$122 |
$1,462 |
|
Farmers |
$75 |
$898 |
|
Progressive |
$79 |
$946 |
|
Allstate |
$100 |
$1,198 |
|
State Farm |
$45 |
$538 |
Elderly individuals might qualify for lower car insurance rates due to several factors. Insurance companies view older drivers as experienced and cautious, which makes them less prone to accidents. Additionally, many seniors drive less frequently, reducing their risk of collisions and insurance claims.
Cheapest Car Insurance In Montana For Drivers With Poor Credit
Montana drivers with poor credit can find the most affordable insurance rates with Nationwide, starting at around $74 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$162 |
$1,942 |
|
Farmers |
$142 |
$1,702 |
|
State Farm |
$105 |
$1,258 |
|
Nationwide |
$74 |
$886 |
|
GEICO |
$172 |
$2,062 |
The cost of car insurance is mainly influenced by your credit score, which helps insurance companies assess the level of risk you pose. A low credit score indicates a higher likelihood of filing claims, making insurers see you as a riskier customer.
Cheapest Car Insurance In Montana For Good Drivers
The price you pay for car insurance in Montana depends on factors such as your driving record, age, and the type of coverage you’re looking for. Generally, if you have a clean driving record with no accidents, you’re likely to receive lower rates because you pose less risk to insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$45 |
$538 |
|
GEICO |
$42 |
$501 |
|
Farmers |
$85 |
$1,018 |
|
Allstate |
$45 |
$538 |
|
State Farm |
$43 |
$514 |
Cheapest Car Insurance In Montana For Drivers With Prior Incidents
In Montana, folks with a history of accidents, speeding tickets, or DUIs often find it tough to snag affordable auto insurance. These events label them as high-risk drivers in the eyes of insurance providers, raising the chances of future claims.
Cheapest Car Insurance In Montana After A Speeding Ticket
State Farm offers auto insurance for about $155 on average, making it a top pick for drivers with speeding tickets seeking a budget-friendly choice.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $224 | $2,686 |
| Allstate | $175 | $2,099 |
| State Farm | $155 | $1,858 |
| Progressive | $266 | $3,190 |
| Farmers | $435 | $5,218 |
Most Affordable Car Insurance In Montana After An At-Fault Accident
State Farm offers insurance for around $200, making it the best option for drivers who’ve had accidents they caused. It’s the most budget-friendly choice for them.
| Provider | Average Monthly Cost | Average Annual Cost |
| Farmers | $435 | $5,218 |
| Progressive | $310 | $3,718 |
| Allstate | $242 | $2,902 |
| State Farm | $200 | $2,398 |
| GEICO | $290 | $3,478 |
Cheapest Car Insurance In Montana After A DUI
State Farm provides car insurance for about $160 on average, making it the most affordable option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $227 | $2,722 |
| GEICO | $545 | $6,538 |
| Progressive | $200 | $2,398 |
| Farmers | $424 | $5,086 |
| State Farm | $160 | $1,918 |
Average Cost Of Auto Insurance In Montana – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $618 | $7,414 |
| 17 | $536 | $6,430 |
| 18 | $492 | $5,902 |
| 19 | $374 | $4,486 |
| 21 | $276 | $3,310 |
| 25 | $190 | $2,278 |
| 35 | $167 | $2,002 |
| 45 | $158 | $1,894 |
| 50 | $152 | $1,822 |
| 55 | $146 | $1,750 |
| 65 | $145 | $1,738 |
| 75 | $176 | $2,110 |
Average Cost Of Car Insurance In Montana – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,300 |
| Male | Single | $1,342 |
| Female | Married | $1,497 |
| Male | Married | $1,522 |
Average Cost Of Auto Insurance In Montana – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $110 | $1,318 |
| Good | $115 | $1,378 |
| Poor | $160 | $1,918 |
Cheapest Car Insurance In Montana By City
| City | Average Monthly Cost | Average Annual Cost |
| Livingston | $144 | $1,726 |
| Glendive | $146 | $1,750 |
| Havre | $147 | $1,762 |
| Lewistown | $138 | $1,654 |
| Great Falls | $137 | $1,642 |
Car Insurance Discounts In Montana
It is wise to seek out car insurance companies that provide personalized discounts for your specific circumstances when shopping for coverage. Additionally, discussing your options with your insurance agent can reveal potential discounts that you may not be utilizing.
Major car insurance providers commonly offer the following types of discounts:
- Safe Driver Discount: This is available to policyholders with a clean driving record, meaning they have had no accidents or traffic violations.
- Multi-Vehicle Discount: Insurers often offer discounts to individuals who insure multiple vehicles under the same policy, saving money compared to insuring each vehicle separately.
- Bundling Discount: Many companies provide discounts to customers who bundle their car insurance with other policies, such as home or renters insurance.
- Good Student Discount: Students who maintain good grades may be eligible for discounts on their car insurance.
- Defensive Driving Course Discount: Completing a defensive driving course can make drivers eligible for discounts on their premiums. These courses teach skills to help drivers avoid accidents and reduce risk on the road.
Our Methodology
In my study, I systematically collected and examined information about various auto insurance companies and their offerings. Initially, I pinpointed key factors to assess, such as coverage types, pricing specifics, customer satisfaction levels, and financial reliability of insurers. Next, I sourced data from trustworthy outlets like insurance company websites, consumer review platforms, and industry analyses.
Once I compiled all the data, I structured it and assessed each insurance provider according to defined criteria. This entailed comparing coverage choices, pricing structures, available discounts, and customer feedback to gauge the pros and cons of each company.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is car insurance a month in Montana?
Car insurance in Montana can vary on a monthly basis due to factors like the policyholder’s age, driving history, and the particular coverage options selected.
What is the minimum car insurance one must have in Montana?
Montana requires that all car insurance policies must have liability coverage for bodily injury and property damage, along with mandatory Personal Injury Protection (PIP) coverage.
Which insurance is better in Montana?
Choosing the best insurance company in Montana depends on individual preferences, driving habits, and insurance needs. It’s recommended to request quotes from multiple insurers to find the right option for your unique situation.
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