Good news for Montana drivers: Jerry’s latest data shows that liability coverage in the Treasure State averages about $174 per month. Montana’s combination of wide-open highways, dramatic seasonal weather and higher-than-average fatal crash rates makes insurance pricing vary widely from one driver to the next. Over the past year we’ve helped 570 Montanans lower their premiums, and those who switch with Jerry save an average of $894 per year without sacrificing the coverage they rely on.
Jerry compares quotes from up to 4 trusted insurers in Montana to build your policy and secure your best price in minutes.
Save on Montana insurance with Jerry
What Montana drivers are paying right now
Insurance prices in Montana move more than many drivers expect. Long rural stretches of I-90 and I-15, higher vehicle repair costs, wildlife collisions and harsh winter storms all contribute to frequent rate changes. Even drivers with similar profiles can see very different premiums depending on where they live — from Billings and Missoula to small towns along the Hi-Line.
Jerry tracks live quotes statewide to show you what drivers are actually paying today. Below are recent full coverage policies Montana drivers purchased through Jerry and what they paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates periodically. In Montana, everything from the start of winter to minor updates in your own driving profile can shift what you’ll pay at renewal.
4 easy ways Jerry helps Montana drivers save on car insurance
Lowering your car insurance bill isn’t just about chasing the lowest price. True savings come from understanding what shapes your rate and knowing where you can cut costs without weakening your protection.
Jerry compares real quotes, uncovers discounts you might not realize you qualify for and shows you exactly where you can save.
| How to save | Average Montana driver savings |
|---|---|
| Compare quotes | 48% to 73% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 27% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Montana’s risk profile is different from most states. High-speed rural crashes tend to be more severe, mountain passes see sudden weather shifts and wildlife — especially deer and elk — cause thousands of collisions each year. Each insurer weighs these risks differently, so the gap between your lowest and highest quote can be surprisingly large.
Comparing quotes side by side with Jerry is the fastest way to avoid overpaying.
Here’s where Montana drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Montana drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Drivers in Billings or Bozeman often face higher claim frequency than those in more remote counties like Fallon or Daniels. Jerry shows you those differences instantly so you can choose your best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Montana drivers qualify for several discounts between safe-driver incentives, paperless billing, multi-vehicle savings, bundling home and auto and anti-theft device discounts (useful in areas with rising truck and catalytic converter theft). But insurers don’t always apply every discount on their own.
Jerry identifies the discounts that match your profile so savings don’t get missed.
Key takeaway: Stacking discounts often produces stronger savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible has an immediate impact on what you pay. Montana drivers face everything from icy roads to gravel-chip windshield damage to wildlife strikes, so your deductible needs to be an amount you can genuinely afford after a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Review your car’s current value (Jerry updates this monthly).
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Choose an amount you can reasonably cover out-of-pocket.
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Compare how each deductible option affects your rate in real time.
The Jerry difference: Jerry shows instant pricing for every deductible tier so you can balance cost and coverage with confidence.
Jerry Agent Tip 4: Keep a clean driving record
Montana is tough on violations, especially given its high-speed roadways. Jerry data shows that even one infraction raises premiums by 27% on average, and more serious violations cost even more. That includes speeding on open highways, rolling stops in small towns and distracted driving near busy ski corridors.
Staying ticket-free is one of the most reliable ways to keep your premium down. And once a violation falls off your record, Jerry automatically re-shops your policy so you can capture savings as soon as you qualify.
Get personalized car insurance rates now
How to get better coverage without overpaying
Montana requires 25/50/20 liability coverage, but that minimum doesn’t protect your own vehicle. Many drivers choose higher liability limits or add-ons depending on weather, wildlife risk and how often they drive long rural routes.
Minimum
$42 – $66/mo
Meets state liability requirements but won’t cover your vehicle.
Preferred
$134 – $238/mo
Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean premium protection.
Key takeaway: Start with your comfort around risk and your car’s value. Jerry shows real-time prices across all coverage levels so you can choose confidently.
Liability-only is the cheapest option in Montana, but adding comprehensive or collision is often worth it in a state where snowstorms, rock chips and wildlife strikes are common.
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Coverage definitions
Montana insurance factors at a glance
What you pay for car insurance in Montana reflects real-world conditions unique to the state. The combination of high rural crash severity and fast-changing mountain weather makes risk and pricing shift quickly from one region to another.
Wildlife collisions
Montana ranks among the top states for deer and elk claims, bumping the need for comprehensive coverage.
Severe weather
Snow, ice and hail contribute to higher vehicle repair costs.
High-speed rural roads
Crash severity increases claim size and premiums, so solid collision coverage is important.
Uninsured drivers
About 8% of Montana drivers are uninsured, making UM/UIM coverage worthwhile.
Montana Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your rate forever. We work with insurers that consider more than just your latest violation and automatically re-shop your policy as your record improves.
If you got a ticket
Montana records speeding, distracted driving and other violations on your driving history for years. Even a single ticket can raise your rate for multiple renewal cycles, though defensive driving courses may help reduce the damage depending on the offense.
We’ll monitor your driving record after signing up in the Jerry app. Once the violation clears, Jerry shops for lower rates automatically.
Here are the average rate increases we’ve seen for Montana drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Montana is an at-fault state. An at-fault crash typically raises premiums by an average 31%, and those increases often stick around for three to five years. Jerry helps you secure your best available price immediately and re-shops your coverage when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
DUI penalties in Montana are serious and lead to major insurance increases. A DUI can raise your premium by -23% on average, and higher costs stay on your record for years.
Some insurers still offer reasonable high-risk pricing. Jerry identifies those carriers and re-shops your policy as your driving record recovers.
Here are the five cheapest insurers for Montana drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $134 | Yes | |
| $399 | ||
| $439 | ||
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Montana
Montana may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that file these forms. Many charge about $25 per year for processing.
Car Insurance with Bad Credit
Montana allows insurers to use credit-based insurance scores when setting rates. That means your credit can influence your price, but it’s far from the only factor. A clean driving record, continuous coverage and smart deductible choices can have an even bigger impact.
Jerry helps you compare prices quickly so you can find the insurer that treats your credit profile fairly.
Average rates in Montana by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Montana’s combination of long rural drives, harsh winters and wildlife-heavy roads means the cheapest policy isn’t always the smartest one. The best coverage is the one that fits how and where you actually drive.
Jerry makes it easy to compare real rates, customize your protection and automatically re-shop your policy whenever you qualify for better pricing.
Get Montana coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
