Updated February 27, 2026

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Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Credentials:

• 10 years in journalism

• Best Business Writing (1st)

Insurance Writer

Average Montana car insurance prices

The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in Montana, Jerry drivers pay less:

• $43 to $71 per month for state-mandated minimum coverage.

• $116 to $206 per month for full coverage.

Jerry helps you shop offers and lock in your Montana car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.

Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Montana have recently gotten:

Recent quotes

Bundle home and auto insurance with Jerry

Montana homeowners face wildfire risk across much of the western part of the state, along with severe winter weather, heavy snowloads, and occasional hailstorms on the plains. Bundling home and auto insurance is a smart way to keep your combined premiums in check.

Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.

Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.

Jerry pulls up to 20 quotes from top rated carriers.

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What Montana drivers are paying with Jerry

If you want to make sure you’re not overpaying for car insurance, comparing quotes from multiple carriers is the best place to start. Whether you’re building a policy from scratch, matching your current coverage or hunting for the cheapest car insurance in Montana, it helps to see your options side by side.

That matters in Montana, where long distances between towns and variable mountain weather are just part of daily driving. Billings and Missoula have their own traffic patterns, but most Montana drivers are covering serious highway miles, which affects both your risk profile and your rate. Jerry works with Montana drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.

Jerry helps you find quotes from up to 5 trusted insurers in the Big Sky Country, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Montana drivers looking for different levels of coverage, and how much each one saved.

Recent quotes in Montana

Montana car insurance coverage requirements

In order to legally operate a vehicle in Montana, drivers must purchase liability insurance coverage. State minimum requirements include:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $20,000 in property damage liability per accident.

• Coverage definitions

  Coverage	Who it pays	What it covers	How it pays	Do you need it?
  Bodily injury liability (BI)	The other person, for injuries when you’re at fault in a crash.	Medical bills, lost wages and legal costs for people injured in an accident you cause.	Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*	Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
  Property damage liability (PD)	The other person, for property you damage in a crash.	Costs to repair or replace another person’s car, fence, mailbox or other property you hit.	Up to your policy’s limit. For example, $50K.*	Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
  Collision	You, for damage to your own car.	Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.	You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.	Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
  Comprehensive	You, for damage to your own car.	Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.	You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.	Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
  Uninsured / underinsured motorist (UM/UIM)	You and your passengers, for injuries and property damage.	Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.	Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.	Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
  Personal injury protection (PIP)	You and your passengers, for medical bills and lost income, no matter who caused the accident.	Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.	Up to your policy limit. There’s usually no deductible, though this varies by state.	Required in no-fault states. If available in your state, it’s worth considering.
  Medical payments (MedPay)	You and your passengers, for medical bills.	Medical expenses after an accident, regardless of fault.	No deductible. Pays up to your policy’s limit.	Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

  Bodily injury liability (BI)

  Who it pays

  The other person, for injuries when you’re at fault in a crash.

  What it covers

  Medical bills, lost wages and legal costs for people injured in an accident you cause.

  How it pays

  Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  Do you need it?

  Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  Who it pays

  The other person, for property you damage in a crash.

  What it covers

  Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  How it pays

  Up to your policy’s limit. For example, $50K.*

  Do you need it?

  Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  Collision

  Who it pays

  You, for damage to your own car.

  What it covers

  Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  How it pays

  You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  Do you need it?

  Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  Who it pays

  You, for damage to your own car.

  What it covers

  Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  How it pays

  You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  Do you need it?

  Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured / underinsured motorist (UM/UIM)

  Who it pays

  You and your passengers, for injuries and property damage.

  What it covers

  Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  How it pays

  Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  Do you need it?

  Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  Who it pays

  You and your passengers, for medical bills and lost income, no matter who caused the accident.

  What it covers

  Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  How it pays

  Up to your policy limit. There’s usually no deductible, though this varies by state.

  Do you need it?

  Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  Who it pays

  You and your passengers, for medical bills.

  What it covers

  Medical expenses after an accident, regardless of fault.

  How it pays

  No deductible. Pays up to your policy’s limit.

  Do you need it?

  Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

Factors affecting Montana car insurance rates in 2026

Average cost of car insurance in major Montana cities

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Learn more about driving in Montana

• Learn how at-fault states affect your car insurance.

• Understand the 6 main types of car insurance coverage.

• Find out how much car insurance you need.

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Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

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