Key Takeaways
- Bristol West, National General and Progressive offer some of the cheapest car insurance in Montana.
- The average cost of minimum coverage in Montana is around $80 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Montana.
If you need cheap car insurance in Montana, consider companies like Bristol West, National General and Progressive. These are among the most affordable options in the state, according to real quotes for Jerry customers.
Here are more cheap providers for both full and minimum coverage, plus by age, driving history and credit score.
Cheap liability car insurance in Montana
Below are the cheapest auto insurance companies in Montana for minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $87 | $1,042 |
| Progressive | $95 | $1,135 |
| The General | $138 | $1,651 |
| Root | $163 | $1,951 |
Minimum car insurance requirements in Montana
Drivers in Montana are required to carry the below minimum liability limits:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $20,000 in property damage liability per accident.
Cheap full coverage car insurance in Montana
Here are the most affordable insurers in Montana for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $152 | $1,819 |
| Progressive | $162 | $1,939 |
| Bluefire | $235 | $2,815 |
| The General | $238 | $2,858 |
| Bristol West | $239 | $2,873 |
| Dairyland | $264 | $3,171 |
| Gainsco | $265 | $3,178 |
| Root | $274 | $3,288 |
| Assurance America | $276 | $3,314 |
| National General | $278 | $3,341 |
If you have a loan or lease on your vehicle, the lender will require
Cheap car insurance quotes in Montana by age
Your age plays a big part in how much you’ll pay for a car insurance policy. Younger drivers typically pay more because they have less driving experience. But as drivers get older, their car insurance costs typically decrease.
Below are recent examples of real quotes for Jerry customers in Montana.
|
Age
|
Insurance Company
|
Monthly Quote
|
Full coverage?
|
Date of Policy
|
|---|---|---|---|---|
| 26 | Progressive | $77 | No | April 30, 2025 |
| 39 | Bristol West | $53 | No | April 30, 2025 |
| 39 | Progressive | $71 | No | April 29, 2025 |
| 28 | Progressive | $195 | Yes | April 29, 2025 |
| 28 | Bristol West | $213 | Yes | April 28, 2025 |
| 44 | Root | $109 | Yes | April 27, 2025 |
| 41 | Progressive | $151 | Yes | April 26, 2025 |
| 26 | Root | $86 | No | April 25, 2025 |
| 48 | Root | $249 | Yes | April 22, 2025 |
| 41 | Root | $600 | Yes | April 21, 2025 |
Average car insurance costs for young drivers in Montana
Below are the average costs of car insurance in Montana for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $270 | $3,243 |
| 21-24 | $161 | $1,927 |
Average auto insurance costs for mature drivers in Montana (25-54)
Below are the average costs of car insurance for drivers in Montana between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $168 | $2,013 |
| 35-44 | $167 | $2,006 |
| 45-54 | $127 | $1,527 |
Average car insurance costs for older drivers in Montana (55+)
Below are the average costs of car insurance for drivers in Montana aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $105 | $1,254 |
| 65+ | $106 | $1,270 |
Cheapest car insurance in Montana by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Montana
These are the cheapest car insurance companies in Montana for drivers with clean driving histories, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $113 | $1,358 |
| Safeco | $150 | $1,796 |
| Bristol West | $157 | $1,887 |
| National General | $173 | $2,076 |
| Root | $222 | $2,666 |
Cheapest car insurance after an at-fault accident with no injury in Montana
These are the cheapest car insurance companies in Montana for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $155 | $1,862 |
| Bristol West | $181 | $2,177 |
| Root | $371 | $4,449 |
Cheapest car insurance with a DUI in Montana
Here are the most affordable insurers in Montana for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $146 | $1,754 |
| Progressive | $156 | $1,876 |
| Root | $233 | $2,792 |
Average auto insurance costs for Montana drivers with other violations
Below are average car insurance costs in Montana for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $218 | $2,612 |
| Driving on Sus. License | $112 | $1,339 |
| Failure to Obey Traffic Sign | $93 | $1,116 |
| Improper Passing | $345 | $4,140 |
| Other | $120 | $1,439 |
Cheapest auto insurance for low credit scores in Montana
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Montana use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim. Here are the cheapest auto insurance companies in Montana for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $106 | $1,276 |
| Progressive | $135 | $1,617 |
| Bristol West | $178 | $2,132 |
| National General | $200 | $2,396 |
| Root | $214 | $2,563 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Montana
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Montana
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
