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Best & Cheapest Montana Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

As a policyholder, you want to make sure that your Montana car insurance policy provides you with the right type of coverage for the right price. Clearsurance car insurance company reviews from policyholders can help you decide which insurer is best for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Montana. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Montana car insurance companies.

In the table above, you can sort through all the Montana car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Montana car insurance rankings.

Interested in learning more about one of these Montana car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Montana?

Out of the five largest Montana companies companies, State Farm is the cheapest car insurance option for both male and female teen drivers on average.

Company Female teen rates Male teen rates
Allstate Insurance $2,451 $2,451
Farmers Insurance Group $2,443 $2,443
National Farmers Union Property and Casualty Company $1,514 $1,514
Progressive $1,626 $1,626
State Farm Insurance Company $727 $727

These rates are based on profiles for 18-year-old male and female drivers in Montana. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Montana?

You can find the average Montana car insurance rates for a married couple with two cars on a policy from the five largest Montana companies in the table on this page. Out of these five, State Farm offers the cheapest car insurance rates for married couples in Montana on average.

Company Married couple rates
Allstate Insurance $2,004
Farmers Insurance Group $2,513
National Farmers Union Property and Casualty Company $3,058
Progressive $2,389
State Farm Insurance Company $1,573

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Montana?

State Farm provides the cheapest car insurance rates for male and female drivers on average in Montana when compared to the other most popular auto insurers in the state.

Company Female senior rates Male senior rates
Allstate Insurance $1,279 $1,279
Farmers Insurance Group $1,110 $1,110
National Farmers Union Property and Casualty Company $848 $848
Progressive $1,497 $1,497
State Farm Insurance Company $712 $712

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Montana for car insurance

On average, the cheapest area for car insurance in Montana is East Helena. Car insurance rates in Montana vary by area of the state. In the table below, you can see the top 10 cheapest areas in Montana for car insurance based on average rates for single adults.

Area Car insurance rates
East Helena $1,120
Fort Harrison $1,123
Helena $1,126
Missoula $1,144
Milltown $1,151
Lolo $1,153
Radersburg $1,162
Ringling $1,162
Avon $1,164
Frenchtown $1,165

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Montana for car insurance

In addition to your age and marital status, your location within Montana affects your car insurance rates. On average, Wyola is the most expensive area in Montana for car insurance. The table below displays the top 10 most expensive areas in Montana for car insurance based on average rates for a single adult.

Area Car insurance rates
Wyola $1,402
Fort Smith $1,395
Lodge Grass $1,391
Dodson $1,391
Hays $1,388
Hogeland $1,386
Broadus $1,384
Harlem $1,380
Red Lodge $1,380
Turner $1,380

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Montana will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Montana

Montana requires drivers to purchase bodily injury and property damage liability insurance. The minimum coverage limits required by the state are detailed below, but it’s important to consider purchasing higher limits, as these likely wouldn’t provide enough coverage in the event of a costly accident.

Montana insurance companies also are required to offer drivers uninsured/underinsured motorist coverage, but you can decline this coverage by signing a coverage waiver form. If you opt out of this coverage, you won’t be covered for accidents caused by drivers without insurance, drivers without sufficient coverage or hit-and-run drivers. It’s worth nothing that 9.9 percent of Montana drivers are without insurance, according to 2015 data from the Insurance Information Institute.

When selecting your policy, you also should consider some of the optional coverages available in the state. Two of the most common optional coverages are collision insurance and comprehensive insurance, which offer a higher level of protection for your vehicle. Other optional coverages include medical payments and rental reimbursement.

Montana state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

How car insurance rates are calculated in Montana

When searching and comparing quotes from the best auto insurance companies in Montana, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Montana

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Montana car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Montana

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.