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 $120 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.
To find the best car insurance in Montana, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Montana
Minimum coverage car insurance in Montana is a solid option for those wanting to fulfill legal requirements affordably. This form of insurance only covers the costs of damage or injuries you cause to other people or property and it’s often best for drivers with older cars who want to minimize expenses.
Below are the cheapest auto insurance companies in Montana for minimum coverage. Montana drivers can benefit from checking prices across multiple insurers to land a budget-friendly policy.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $84 | $1,003 |
| Progressive | $92 | $1,104 |
| Gainsco | $115 | $1,379 |
| Root | $140 | $1,675 |
| National General | $145 | $1,742 |
| The General | $147 | $1,768 |
| Dairyland | $163 | $1,956 |
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
Getting budget-friendly full coverage car insurance in Montana involves securing a plan that covers a wide range of risks. Full coverage provides protection for both your vehicle and others on the road and it’s especially vital for newer or valuable vehicles.
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
|
|---|---|---|
| National General | $120 | $1,436 |
| Safeco | $137 | $1,640 |
| Progressive | $167 | $2,000 |
| Bristol West | $233 | $2,793 |
| Root | $254 | $3,046 |
| Dairyland | $264 | $3,171 |
| Gainsco | $265 | $3,178 |
| Assurance America | $276 | $3,314 |
| Trexis | $349 | $4,183 |
| The General | $358 | $4,290 |
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 car insurance quotes for Jerry customers in Montana.
|
Age
|
Insurance Company
|
Monthly Quote
|
Full coverage?
|
Date of Policy
|
|---|---|---|---|---|
| 41 | Bristol West | $98 | No | June 28, 2025 |
| 56 | Progressive | $112 | Yes | June 27, 2025 |
| 22 | Root | $246 | Yes | June 27, 2025 |
| 37 | Progressive | $46 | No | June 25, 2025 |
| 29 | Progressive | $431 | Yes | June 22, 2025 |
| 47 | Bristol West | $184 | Yes | June 22, 2025 |
| 41 | Progressive | $166 | Yes | June 21, 2025 |
| 25 | Bristol West | $115 | No | June 20, 2025 |
| 32 | Root | $160 | Yes | June 20, 2025 |
| 56 | Bristol West | $274 | Yes | June 18, 2025 |
Average car insurance costs for young drivers in Montana
Young drivers in Montana typically encounter higher insurance costs as providers factor in their limited behind-the-wheel experience. Rates are generally high until drivers prove themselves over time. Montana youths can save money by taking driving courses or joining a parent’s policy.
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 | $143 | $1,716 |
More: Cheap car insurance for students
Average auto insurance costs for mature drivers in Montana (25-54)
Montana drivers with more time behind the wheel are often seen as a safer bet by insurers, leading to reduced premiums. Practical knowledge of years of driving make them a lower-risk category and providers respond by offering lower-cost insurance plans.
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 | $154 | $1,851 |
| 35-44 | $157 | $1,879 |
| 45-54 | $129 | $1,550 |
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, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Montana
Montana drivers with a clean record often find it easier to secure favorable insurance terms. A spotless record reflects careful driving and attention to rules and insurers tend to trust drivers who consistently avoid violations.
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
|
|---|---|---|
| Anchor General | $105 | $1,260 |
| Progressive | $117 | $1,405 |
| Safeco | $150 | $1,796 |
| Bristol West | $153 | $1,832 |
| National General | $165 | $1,978 |
Cheapest car insurance after an at-fault accident with no injury in Montana
An at-fault accident, even without injuries, still matters to insurance companies. It suggests a moment where better judgment or control was needed and property damage claims are still considered serious events.
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
|
|---|---|---|
| Gainsco | $115 | $1,379 |
| Progressive | $144 | $1,728 |
| National General | $145 | $1,742 |
| The General | $147 | $1,768 |
| Dairyland | $163 | $1,956 |
Cheapest car insurance with a DUI in Montana
A DUI in Montana can result in long-term consequences for your insurance standing. It reflects risky behavior and legal violations and insurers may increase premiums or restrict the coverage you qualify for.
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
Other traffic violations in Montana, like running a red light or driving without a valid license, are factored into your risk assessment too. These offenses build a picture of your reliability (or lack thereof) and insurers consider repeated violations a sign of unpredictability.
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 |
| Illegal Turn | $32 | $378 |
| Improper Passing | $345 | $4,140 |
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 | $134 | $1,611 |
| Bristol West | $160 | $1,918 |
| National General | $200 | $2,396 |
| Root | $206 | $2,470 |
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.
Learn 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.
Learn 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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
