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Insurance Montana

Auto Insurance Montana

Montana is well known for its outdoors. Let us help you find the best auto insurance policy for you, so you can spend more time enjoying the great Montanan outdoors!

Montana Auto Insurance: Coverages Explained

We’ve done the research for you to make it as easy as possible to understand coverages, and know exactly what coverages you want for your vehicle.

If you have any questions at all, don’t hesitate to call or chat with one of our licensed agents!


• Coverage that pays for bodily injury and property damage when you’re at fault in an accident. It does not cover you or your vehicle. An easy way to put is imagine you and your car have a bubble around it. Liability coverage covers everything that’s outside the bubble if you are at fault in an accident.

[Liability is required in 49 states and the District of Columbia. The only state that does not require liability insurance is New Hampshire.]


• Coverage helps cover cost of damages to your vehicle from accidents that are not collision related. A great example is theft and vandalism or hail damage.

• Comprehensive carries a deductible. In most cases you get to select the deductible. The higher the deductible you choose – the cheaper your insurance will be. So if choose a $1,000 deductible and your car gets damaged by hail; you will have to pay $1,000. Then insurance will pick up the remaining cost.


• Coverage that helps pay for damages to your vehicle from an accident, regardless of who is at fault. A good example would be if you back into a concrete pole in a parking lot. Collision insurance will help you pay for that damage.

• Just like comprehensive insurance – collision insurance typically carries a deductible. So before insurance will pay for the damage associated with you backing into the pole, you’d have to pay your deductible.


• These coverages cover you if you and your passengers are in an accident with someone who doesn’t have any insurance or doesn’t have enough insurance.


• Is to help cover the cost of you or your passengers medical expenses regardless of who was at fault for the accident.


• Rental reimbursement is an added coverage to help cover the cost of a rental while your vehicle is being repaired after a covered claim was made to the insurance company. Insurance companies give you a certain dollar amount per day towards a rental.

• Roadside assistance is another added coverage to cover the cost of when you: need a tow, run out gas, lock yourself out of your car, need a jumpstart, or need help putting the spare tire on after a flat.

State Minimum Requirements: Montana Auto Insurance

Montana requires the following insurance minimums on all vehicles.

$25,000 per bodily injury / $50,000 per accident / $20,000 property damage

$25,000 per person / $50,000 per accident

Cheapest Auto Policies
Liability Only

Car Insurance CompanyAverage Monthly Payment
Progressive Insurance$88
The General$89
Mendota Ins. Company$93
National General$95
Bristol West$98
Insurance Montana
*(Not all insurance companies available in all states.)
insurance montana

Factors That Can Impact The Cost of Auto Insurance In Montana


As most people know age affects your insurance. The more years of experience you have driving a vehicle the lower the cost of your insurance. At age 25 is when young drivers can expect to notice a big drop in the cost of their auto insurance

Credit Rating

It seems like there isn't anything in life that isn't affected by your credit score. Insurance companies found that those with a lower score are more likely to file claims. The best thing you can do is take small steps to improve your credit rating.

Driving History & Claim History

Montana Insurance companies go back 3-5 years (dependent on the company) to look at driving and claim history. A clean driving history shows that you are a safe driver and less likely to get into an accident. Claim history is one of the biggest factors when it comes to insurance cost and its easy to understand why; you're more likely to cost the insurance company. So to cover the cost they raise your premium. It is best to avoid filing small claims on your insurance for that very reason.

Car Insurance in Montana:
Average Monthly Cost of Insurance by Factor

Insurance CompanyClean Driving HistoryLower Credit RatingTeen Driver (added to parents policy)
National General$98$152$509
Insurance Montana
*(Not all insurance companies available in all states.)*

Curious to know what we save Montanans annually on car insurance?

$600 Annually

That's almost 500 candy bars!

Ways to Save Money on Auto Insurance Montana

Be a defensive driver.  We have all seen them… There are crazy drivers out there.. You can not count on what the other driver is going to do.  An alert driver is a safe driver.

Utilize an insurance broker to shop insurance rates through a variety of different carriers.  One call can provide you multiple quotes.  An experienced insurance agent knows what questions to ask to help modify an insurance policy to fit your needs.

Give yourself time to get to where you need to go.  Traffic happens, slow downs occur… If you know it takes 15 minutes to get to your destination, then leave the house 10 minutes earlier.  With this attitude, you are less likely to speed, weave in and out of traffic, or run a red light…. All of which can catch the eye of the police who can and most likely will write you a ticket.  Violation free discount (meaning no moving violations within the past 3 years) is another great discount for drivers of all ages.

Don’t let your insurance lapse.  The proof of prior insurance discount is one of the biggest discounts you can get when purchasing a new policy.  Most carriers need at least 6 months of continuous insurance without more than a 30 day gap - though to maximize the discount a 0 day gap is preferred -  to qualify for the proof of prior insurance discount on the new policy.

If you are young (under 25 years old), please please, get yourself a dependable used vehicle that does not require Full coverage.  No one wants to work and have the majority of their paycheck go to a car payment and insurance.  Bide your time, build your discounts, and keep your driving history clean.  Comprehensive and Collision coverage is significantly higher for younger drivers. 

Most Affordable Full Coverage Montana Insurance

Full Coverage Includes:

State Required Liability & Uninsured/Underinsured


Comprehensive and Collision

Rental Reimbursement & Roadside Assistance are not automatically included with full coverage.

Insurance CompanyAverage Cost Annually
National General$1,452
Insurance Montana
*(Not all insurance companies available in all states.)

How much does insurance cost in Montana?

How much does insurance cost in Montana?

Determining the exact cost of [Insurance Montana] can vary significantly depending on various factors such as your driving record, age, location, and the type of coverage you select. On average, Montana drivers pay around $1,200 to $1,500 annually for auto insurance coverage. However, rates can fluctuate based on individual circumstances and coverage needs.

Factors Affecting Insurance Costs in Montana:

  • Driving history and record
  • Age and experience as a driver
  • Location and area of residence
  • Type and amount of coverage selected
  • Vehicle make, model, and year

Comparing quotes from multiple insurers like [Progressive], [Allstate], and [National General] can help you find the most competitive rates for your specific situation. Be sure to explore available discounts and coverage options to maximize savings while ensuring adequate protection on the road.

AM Best Rating for Auto Insurance Montana

When it comes to car insurance in Montana knowing how an insurance company is rated by AM Best can help provide you with extra comfort. The higher the company is rated by AM Best the better of a reputation they have when it comes to fulfilling financial obligations when claims are filed.

Insurance CompanyAM Best Rating
Bristol WestA
National GeneralA+
The GeneralA
Insurance Montana
*(Not all insurance companies available in all states.)

TOP 10 Average Monthly Rates With a Bundle

Insurance CompanyAverage Monthly Payment
Bristol West$130
Mendota Ins. Company$134
21st Century$139
Acceptance RTR$141
The General$161
National General$163
Insurance Montana
*(Not all insurance companies available in all states.)

There are also other insurance policies you can bundle with your Montana car insurance. Montana is known for it's amazing outdoor recreation activities and it's important to insure the items you use while enjoying the doors. Below are a few other examples of bundling options.

UmbrellaBusiness Liability
Insurance Montana

What types of insurance does Insurance Montana offer?

Insurance Montana offers a variety of insurance types, including home, auto, life, health, and business insurance coverage.

How can I contact Insurance Montana for more information?

For more information, please call us at 1.888.445.2793.

Does Insurance Montana provide personalized insurance plans?

Yes, we offer personalized insurance plans tailored to meet individual needs and requirements.

Additional Helpful Links

Montana DMV
Montana Liability Insurance
Montana Insurance Requirements
Montana Homeowners Insurance
Motorcycle Insurance in Montana
Cheap Auto Insurance Montana


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Last Updated on by Camron Moss

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