Jerry works with 5 different insurance companies in the Big Sky Country, and this year alone we’ve helped 1,217 Montana drivers get competitive quotes and switch their coverage.

We understand that every driver has different needs, and since we’ve helped thousands of MT drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage

Here’s what we’ve noticed:

• Progressive accounts for more than half of Jerry drivers in Montana, as the single most-chosen insurer in the state.

• ROOT and Bristol West come in second and third place, making up more than a third of the total market share.

• The rest of our customers are spread across strong carriers like GEICO, Safeco and others.

What this shows is that there’s no single “best” company for every driver. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.

Most popular insurers in Montana

Insurer	Share of Jerry drivers	Jerry customer rating
Progressive	52%	5.0
ROOT	22%	No Rating
Bristol West	18%	5.0
GEICO	11%	4.5
Safeco	3%	No Rating

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best Montana car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Montana drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps Montana drivers find their best insurance

Jerry is different from quote-comparison sites that just rank by price. For Montana drivers we do more, like:

• Use real data from 1,217 recent Montana quotes to best compare your coverage options.

• Analyze 5 top insurers in the state against our quality criteria and your specific needs.

• Show you highly-rated options that balance coverage, claims and cost.

• Explain why each option makes sense for your situation.

• Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.

• Continue monitoring market rates so you always know when it’s time to shop for better pricing.

What does that mean for MT drivers? An average annual savings of $892 and a high satisfaction rate among drivers who switch with Jerry.

You don’t need to call a dozen agents or fill out form after form, either. Just answer a few quick questions below. In minutes, Jerry will have you on the way to your best coverage and rates.

Best car insurance for most MT drivers

Montana drivers have 5 insurance companies to choose from when shopping through Jerry. Since carriers vary on coverage options, features, benefits and price, customers can shop around and find the right mix of affordability and protection.

Here are some of the most recent quotes that drivers have received in the state:

Recent quotes in Montana

For most good drivers in Montana who want full coverage and strong claims support, three companies tend to rise to the top as customer favorites: Progressive, ROOT and Bristol West. Jerry can compare them (and more) side-by-side in just minutes, so you can focus on the one that works best for you.

Here’s a rundown of what each offers and why customers choose them as a top pick.

1. Progressive

Recent quotes for MT drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Progressive:

  • Competitive rates for many driver profiles, especially when comparing full coverage.
  • Easy online and app-based payments, policy management, and claims filing.
  • Solid coverage choices for drivers who want more control over deductibles and add-ons.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Recent quotes for MT drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend ROOT:

  • Rates based primarily on how a driver actually drives, versus broad profile factors.
  • Same-day coverage for eligible drivers, when time matters.
  • Roadside assistance included with many policies.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. Bristol West

Recent quotes for MT drivers

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Bristol West:

  • Backed by Farmers Group for more stability than smaller, non-standard carriers
  • 24/7 online access to ID cards, payments and policy info.
  • Optional add-ons like towing and roadside service.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best MT car insurance for bundling home and auto

Homeownership comes with enough surprises already. The right auto policy should do the opposite, providing financial protection for your household when accidents happen and bills get messy. That’s one reason many homeowners consider bundling auto and home insurance, which can simplify what you manage and open up discounts.

Even if you keep home and auto with different insurers, though, homeownership may still earn you benefits. Some carriers reward it with special discounts or higher coverage limits that better suit homeowner needs.

In Montana, Jerry sees most home-owning customers choosing Progressive, ROOT and GEICO for their auto coverage, with or without bundling those policies. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Progressive:

  • Robust legal and claims teams equipped for major accidents and lawsuits.
  • High liability and umbrella coverage that integrates smoothly with homeowners policies.
  • Extensive experience handling complex coverage needs for higher-asset, higher-net-worth households.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend ROOT:

  • N/A

3. GEICO

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend GEICO:

  • Multi-policy savings when you combine auto with home, renters or condo.
  • Highly rated app for payments, digital ID cards, vehicle updates and claims.
  • A++ AM Best financial strength rating for dependable claim payments.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best value for budget-focused MT drivers

If you’re trying to keep your monthly payment in check without watering down your coverage, carrier choice matters a lot more than most people think. In Montana, our data show that Progressive, Bristol West and GEICO often deliver the strongest value for for drivers who want solid protection at a manageable price. That’s not always the absolute cheapest insurance in Montana, but it’s usually the best balance of cost and coverage.

Over the past 12 months, Jerry has helped 1,189 Montana drivers find coverage under $100/month, without dropping to bare-minimum limits.Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. Progressive

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Budget-friendly quotes for many driver profiles, including minimum coverage shoppers.
  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Bristol West

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Bristol West:

  • Quick access to ID cards for “need proof today” situations.
  • Online servicing for routine tasks like payments and ID cards
  • Coverage available for those with imperfect driving histories.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

3. GEICO

Recent price-friendly quotes

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • Strong mobile app for payments, digital ID cards, roadside help and claim filing or tracking.
  • Broad discount menu that can include good driver, defensive driving, driver education and vehicle safety or anti-theft features, varies by state.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Best car insurance for MT families with teen drivers

If you’re adding a teen driver in Montana, brace yourself for sticker shock. Even families with strong credit, a clean claims history, and safe vehicles can see a sudden premium jump once a new driver hits the policy. What matters most is finding a carrier that prices teen risk reasonably for your household, not just accepting the default renewal.

In the last 12 months, Jerry has helped 28 MT families with teen drivers save an average of $1,840 annually, most often with Progressive, ROOT and Bristol West.Here’s a look at what those carriers offer and why Jerry customers choose them so frequently.

1. Progressive

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Teen driver discount available for drivers 18 or under after one year.
  • Distant student discount for young students or under who live 100+ miles from home with no car at school.
  • If your policy covers multiple vehicles, a listed teen is typically covered driving any vehicle on that policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • Good fit for families that prefer digital-first insurance.
  • Same-day coverage for eligible drivers, helpful when adding a car fast.
  • Coverage tuning through deductibles and limits to balance protection and cost.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. Bristol West

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • Helpful when coverage needs to be placed quickly to avoid a longer lapse.
  • Online payments and self-serve tools that reduce the need for repeated calls to an agent.
  • Backed by a larger insurance group (Farmers), which can matter for families who care about stability.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best car insurance for MT college students

College can change your insurance setup overnight, especially when a driver is bouncing between home and campus, driving less or taking a car out of town.

Jerry has helped 1,641 college students in Montana find affordable coverage that still protects them on and off campus. Progressive, ROOT and Bristol West are frequent winners in this group. Here’s why.

1. Progressive

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Distant student discount structured for students away at school without a car.
  • Tools that help limit cost spikes after a claim.
  • Discounts designed for students staying on a family policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend ROOT:

  • Easy adjustments in the app for changing mileage, vehicles or address details.
  • Roadside assistance included with many policies.
  • Bundling available with renters insurance in certain markets.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. Bristol West

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Bristol West:

  • More workable option for student drivers with limited history, a recent ticket or an early at-fault accident.
  • Online access to ID cards and policy documents, helpful for campus parking and registration needs.
  • Payment plan options that can better match a student budget cycle than pay-in-full only setups.
  • Outside of great pricing, Jerry’s Bristol West drivers particularly like the carrier’s customer service and mobile app.

Best MT car insurance for drivers with violations

Tickets, at-fault accidents and DUIs can push you into the “high-risk” bucket fast, which can not only raise your premiums but also limit the carriers and coverage options available to you. But these mistakes don’t have to define your insurance forever.

Jerry has helped 1,165 Montana drivers with violations find coverage this past year at affordable prices. We also monitor rates and let you know when to shop rates again after those violations fall off your driving record, so you can potentially save even more.

The majority of Jerry drivers with a less-than-perfect driving record find coverage through Progressive, ROOT and Bristol West — companies that are often more willing to work with Montana drivers who have violations on their record.

1. Progressive

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Progressive:

  • Strong option for drivers with tickets and at-fault accidents who need SR-22.
  • App supports quick policy changes, ID cards and claims filing.
  • Small Accident Forgiveness can limit impact from a first claim under $500.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend ROOT:

  • A good fit for drivers who can demonstrate safe habits now, even without a spotless driving record.
  • Optional rental coverage for drivers who cannot afford downtime after a covered claim.
  • Digital access to ID cards and policy documents on the spot.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. GEICO

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend GEICO:

  • Non-owner SR-22 option for proof of insurance without owning a car.
  • DriveEasy enrollment rules vary and may require all drivers on the policy.
  • Claim Forgiveness available in select states for a first qualifying loss.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

Car insurance options for MT military families

For military families, driving is rarely consistent. Active-duty, reservist, guard or veteran, you might be commuting one month, storing a car the next and moving states soon after. Jerry has helped Montana military families find coverage that fits deployments, PCS moves and the full stretch of military life.

If you qualify for military-focused insurers, keep them in the running. Also consider standard insurers, many offer strong military discounts and flexible policies that Jerry can quote and compare for you.

Here’s how to think about your options.

Option A: Military-only insurers to check directly

There are insurers built specifically for military life, including USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you qualify, put them on your shortlist. These companies are built around deployments, PCS orders and frequent moves, and they often offer storage or reduced-use options when your vehicle is parked during deployment. Their service teams also tend to know the realities of orders, pay and timelines, which can reduce friction.

Because these insurers operate a bit differently, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the best way to compare is:

1. Use Jerry to price and compare standard insurers, then
2. Pull direct quotes from one or more military-only insurers.

That way, you’re comparing their offer against competitive market rates.

Option B: Standard insurers with strong military benefits (that Jerry can quote)

Beyond military-only insurers, some national carriers offer military discounts, handle deployments and cross-state moves smoothly and plug directly into Jerry’s quoting and switching experience.

For many MT military families, GEICO, State Farm and Progressive show up often.

1. GEICO

Best for: Discounts plus flexible coverage during deployments

Why it often works well for service members:

• Military discounts and options to scale coverage when driving drops.

• 24/7 support for OCONUS time zones and uneven schedules.

• App-first access to policy docs, proof of insurance, claims and quick updates.

2. State Farm

Best for: PCS moves and consistent local support

Why it often works well:

• A huge agent footprint for continuity when you move.

• Plenty of nearby agents in military-heavy areas.

• Easy bundling when you add home or condo coverage.

3. Progressive

Best for: Frequent updates and self-serve changes

Why it could be a good fit:

• Competitive rates across a wide set of situations, including movers.

• Strong digital tools for address, mileage and garaging changes.

• Add-ons like rental and roadside for support away from home.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can quickly show how GEICO, State Farm, Progressive and other standard insurers price your specific situation in Montana.

Best car insurance for senior drivers in Montana

For Montana drivers 65 and older, the goal is usually simple: reliable coverage from a carrier that won’t make you fight for basic support. That’s why Jerry senior drivers most often choose Progressive, ROOT and GEICO, especially those who value stability, service and straightforward claims handling.

In the last 12 months, we’ve helped 70 MT seniors find coverage that reflects their years of experience behind the wheel and how they actually drive today.

1. Progressive

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Progressive:

  • Roadside assistance option for towing, lockouts, flat tires and fuel delivery.
  • Deductible Savings Bank reduces comp or collision deductibles by $50 each claim-free, violation-free policy period.
  • Vehicle Protection option for newer cars, covering major systems plus select extras.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. ROOT

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend ROOT:

  • Test drive model can reflect how drivers drive today.
  • Digital claims and document access in the app means faster handling.
  • Easily change deductibles and limits to match a fixed budget.
  • Jerry ROOT customers primarily like the carrier’s pricing, but also praise its mobile app and customer service.

3. GEICO

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend GEICO:

  • DriveEasy includes Accident Assist, connecting you to roadside or emergency support after a detected hard brake.
  • Strong mobile app for payments, digital ID cards, roadside help and claims tracking.
  • Optional roadside assistance helps manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

How Jerry picks the best insurers in Montana

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Montana driver data, this score evaluates insurers on:

The result? We show you a short list of options tailored to how you actually drive and what you actually own.