Save yourself the time it takes to search for Montana car insurance information. We have the insider knowledge surrounding Montana auto insurance laws, rates, discounts, and more.

State Requirements for Auto Insurance in Montana

You might have car insurance—and we don’t want to worry you—but do you have enough? In Montana, you must have liability coverage, with the following minimums:

  • $25,000 for bodily injury liability, per person per accident
  • $50,000 for bodily injury liability, total per accident
  • $10,000 for property damage liability, per accident

More Coverage to Include

While we told you Montana only requires liability insurance, state minimums are rarely enough to protect yourself fully. Consider adding these additional coverage options to your policy to keep from having to pay out-of-pocket if you get into an accident.

Collision Coverage  If you hit another car or object, you’ll be covered by this insurance.
Comprehensive Coverage  Whether your car is vandalized or you hit an animal, this coverage pays for that and more.
Towing and Labor Coverage Getting into an accident might make your car undriveable. If you have this coverage, your insurance company will pay for towing.
Rental Car Coverage – Your insurance company will help pay for a rental car if yours is in the shop after an accident.

How Much Montanans Pay For Car Insurance

Keeping up with the Jones’ isn’t something we pay much mind to—except when it comes to car insurance. According to our research, Montana is the 2nd cheapest state for purchasing auto insurance. Drivers pay roughly $716 a year, but there are providers who offer more affordable coverage options. The following are the average costs for the cheapest insurance companies in Montana:

 Average Annual Rates
USAA$378.52
Allstate$630.37
State Farm$631.85
Safeco$632.30
Travelers$670.22
Farmers$688.19
Nationwide$825.56
Progessive$896.93
Kemper Insurance$968.81
Mountain West Farm Group$1,110.74

How Car Insurance Costs Are Determine

Insurance companies carefully calculate the perceived risks of each driver they provide quotes for. Each company has a unique risk assessment profile, meaning a company may put more emphasis on certain factors that other company’s don’t use. For example, your age may be the biggest indicator of your risk assessment at one company, while a second company may only use your gender to calculate premiums. Here are the typical variables a company will use to determine how risky you are as a driver:

  • Your vehicle make, year, and model
  • Address
  • Age
  • Gender
  • Driving record
  • Use of car
  • Past claims
  • Credit History

Did You Know?

Thieves can make your car insurance policy increase if you drive a car they like to steal. We don’t think you have to run and buy a new car if your vehicle is on this list, but want you to be aware of how driving it may affect your premium.  Here are the most stolen cars in Montana*:

  1. Chevrolet Pickup (Full Size)
  2. Ford Pickup (Full Size)
  3. Honda Accord
  4. Dodge Pickup (Full Size)
  5. GMC Pickup (Full Size)
  6. Chevrolet Pickup (Small Size)
  7. Chevrolet Impala
  8. Toyota Camry
  9. Honda Civic
  10. Subaru Legacy

*According to www.nicb.org

Let an Expert Help You

Licensed insurance agents know the ins-and-outs of car insurance in Montana. If you prefer speaking to a real human, we recommend calling  855-462-2213 .

Additional Montana Resources