Car Insurance in Montana

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TABLE OF CONTENTS
  • How Much is Car Insurance in Montana?
  • Real Quotes for Jerry.ai Customers in Montana
  • The Cheapest Car Insurance in Montana
  • Most Popular Insurance Companies in Montana
  • Cost to Insure Different Cars in Montana
  • Car Insurance Laws in Montana
  • Car Registration Information in Montana

Looking for car insurance in Montana? Here you’ll find all the information you need on driving a car in Big Sky Country, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Billings or Great Falls, Missoula or Bozeman — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Montana car insurance.

How Much is Car Insurance in Montana?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Montana, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Montana pay $1,951.79 each year for car insurance. This means drivers in Montana pay 33% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.

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What’s Your Rate?

But how do you know what policy is right for you in Montana? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Montana, but also on your credit score, marital status, the kind of car you own, and much more.

Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.

The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Montana

CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2020-12-20
  • Saturn Vue
21 year old maleTravelers$136$74Preferred
2021-02-17
  • Ford Focus Zx4
  • Chevrolet Silverado K1500 Classic
  • Ford F150 Supercrew
  • Ford F350 Super Duty
23 year old maleProgressive$99.67$75.33Basic
2020-12-06
  • Chevrolet Cruze Ltz
20 year old femaleProgressive$64.33$59.04Basic
2021-02-16
  • Dodge Ram 2500 St
  • Honda Civic Touring
20 year old femaleThe General$144.33$145.67Standard
2021-02-12
  • Honda Civic Exl
28 year old femaleProgressive$83.17$41.83Preferred

The Cheapest Car Insurance in Montana

Which companies offer cheap car insurance in Montana? Below, we’ve ranked Montana car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.

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Cheapest Car Insurance in Montana for Basic Coverage

There’s all kinds of auto insurance you can get in Montana, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Montana. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Montana, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Montana

Filters
RankCompany nameAvg. Annual Premium
1Progressive$845.28

Real Jerry Quotes for Basic Coverage in Montana

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-06
  • Jeep Cherokee Trailhawk
21 year old maleProgressive$58.33$141.67
2021-01-07
  • Buick Century Custom
  • Nissan Rogue Select
52 year old femaleProgressive$64.33$95.67
2021-02-07
  • Dodge Ram 2500
  • Honda Accord Lx
42 year old maleProgressive$50.50$126.50
2021-02-18
  • Lexus Is 250
  • Chevrolet Gmt-400 K1500
  • Dodge Ram 1500 St
25 year old maleProgressive$57.33$282.67
2021-02-02
  • Subaru Impreza Outback Sport
  • Nissan Altima 2.5
  • Ram 2500 St
  • Toyota Camry Se
33 year old maleProgressive$63.17$11.83

Average Cheapest Car Insurance for Standard Plans in Montana

Most drivers will want more than the basic minimum coverage that Montana requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.

Below you’ll find the average price drivers are paying for standard insurance coverage in Montana, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Montana

Filters
RankCompany nameAvg. Annual Premium
1Kemper$895.07
2Nationwide$1,384.43
3Progressive$1,450.07
4Travelers$1,549.48
5Safeco$1,631.23

Real Jerry Quotes for Standard Coverage in Montana

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-02-09
  • Jeep Patriot Sport
23 year old femaleProgressive$114.83$263.17
2020-12-22
  • Toyota Tundra Crewmax Limited
45 year old maleNationwide$98$52
2020-12-20
  • Ford F150
  • Ford F250
  • Mazda 3 Touring
27 year old maleProgressive$185.83$23.17
2021-02-03
  • Ford Ranger Super Cab
20 year old maleProgressive$141$77
2021-02-19
  • Chevrolet Tahoe K1500 Lt
62 year old maleProgressive$94.83$40.17

Cheapest Car Insurance in Montana for Preferred Coverage

Preferred coverage protects Montana drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.

We were able to look at the average price drivers are paying for preferred insurance coverage in Montana, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Montana

Filters
RankCompany nameAvg. Annual Premium
1Kemper$898.83
2Safeco$1,575.15
3Progressive$1,658.31
4Nationwide$1,790.99
5Travelers$1,888.52

Real Jerry Quotes for Preferred Coverage in Montana

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount saved
2021-01-13
  • Toyota Corolla L
23 year old femaleNationwide$229.66$45.34
2021-02-18
  • Ford Edge Limited
25 year old femaleProgressive$96.83$38.17
2021-02-04
  • Kia Sportage Lx
50 year old maleProgressive$82.67$28.21
2020-11-19
  • Chevrolet Colorado Zr2
  • GMC Yukon Denali
43 year old femaleProgressive$179.83$93.17
2020-12-28
  • Subaru Impreza
  • Ram 2500 Slt
31 year old maleProgressive$127.83$22.17
Insurance companyAverage annual premium in Montana
Progressive$822.57
Travelers$3,130
Safeco$1,626.75
Kemper$396
Nationwide$996.06
Kemper$958

Cost to Insure Different Cars in Montana

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Montana drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Montana. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.

Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-01-18
  • GMC Sierra K1500
54 year old maleProgressive$106.33$50.67Preferred
2021-01-17
  • Honda Ridgeline Rts
40 year old maleProgressive$55$48.23Standard
2020-12-26
  • Nissan Rogue Select
26 year old femaleProgressive$125.17$35.83Preferred
2020-12-11
  • Subaru Crosstrek Sport
30 year old maleProgressive$165$135Standard
2020-11-29
  • Subaru Outback 2.5i Premium
23 year old femaleProgressive$54.33$166.67Basic
2020-11-30
  • Chevrolet Hhr Lt
42 year old femaleTravelers$106.33$293.67Preferred
2021-02-01
  • Subaru Crosstrek Sport
30 year old maleNationwide$166.77$133.23Preferred

Car Insurance Laws in Montana

If you live in Big Sky Country, you can often find plenty of space on wide open highways. However, in cities like Billings, Missoula, and Great Falls, traffic can get congested during rush hour, even with populations that pale in comparison to major metropolitan areas elsewhere in the country. Speeding is a contributor to car accidents on highways but by no means does that mean city drivers are exempt.

Car insurance premiums are relatively high in Montana compared to other American locations, and by law you are required to carry minimum coverage for liability insurance. Here’s what you need to know about the auto insurance coverage minimums that Montana requires.

What Car Insurance Is Required in Montana?

Motor vehicle drivers in Montana must have a minimum amount of coverage to operate on public roads. In a car accident, you are required to show law enforcement your proof of insurance, but, strangely,Personal Injury Protection (PIP) insurance is not mandatory in the state. Instead, it’s offered as optional coverage since you’re only responsible for costs when you’re at fault.

Yes, Montana is an at-fault state. Liability coverage is required in Montana, however. Liability insurance covers drivers against the costs associated with bodily injuries and property damage if you cause the accident. Essentially, property damage liability, or PDL, pays for the other party’s damages. It compensates the other person for damage to their car, the city or state property you might’ve hit, or a building involved.

Being an at-fault state, drivers can be sued for additional costs if your PIP coverage or PDL insurance isn’t sufficient to cover the damages from the accident. That includes lost wages and medical expenses related to the collision. For that reason, additional uninsured motorist coverage is a great investment. Underinsured motorist insurance can also protect you against out-of-pocket expenses if the other party was at fault but doesn’t have enough coverage.

Can You Drive a Car Without Insurance in Montana?

Legally, you cannot drive a car without insurance in the state of Montana, plus you must have proof of insurance with you in the vehicle. If you are caught driving without minimum insurance, a fine can be levied by law enforcement and it’s classified as a misdemeanor.

  • For first-time offenders, the citation is between $250 and $500 or up to 10 days in jail.
  • For a second offense, a minimum fine of $350 applies or 10 days in jail. In addition, your driver’s license may be revoked for 90 days and five points will be added to your driving record.
  • Subsequent offenses carry a fine of $500 or up to six months in prison, or both.

If you’re convicted of driving without proper insurance in Montana, you may be required to get an SR-22 certificate that proves financial responsibility by securing a bond. Some insurers charge around $15 for an SR-22, while others include it with insurance policies.

What Are the Minimum Car Insurance Requirements in Montana?

As with most states, Montana has predefined minimum auto insurance coverage levels that must be maintained for vehicles operating on the road. Not only does this protect the driver against possible property damage, but it ensures that others involved in the accident can access money quickly for medical expenses related to the accident. To legally operate a vehicle in Montana, you must carry these minimum coverage amounts.

Minimum Insurance Requirements in Montana

  • Bodily Injury of $25,000 per person and $50,000 per accident
  • Property damage liability of $10,000 per accident

Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident is considered a minimum amount but it can be rejected by insurers.

Car Registration Information in Montana

Not only is car insurance coverage required in Montana, but your vehicle must be registered. For residents, the Vehicle Services Bureau is the regulating body that takes care of registrations. Luckily, the registration process is easy in the state since it’s tied to titling a vehicle in Montana. New residents of Montana have 60 days to register their vehicles in the state. You’ll need to provide identification along with the vehicle identification number, or VIN, to complete your registration.

Registration can be renewed annually, bi-annually, or you can apply for a permanent registration if your vehicle is 11 years old or older. In Montana, you can renew your registration online unless you need to change your name or address, have moved counties or out of state, if you want to apply for an exemption, or you want to make changes to your registration.

Any registrations that don’t qualify for online renewal can be completed by visiting a local state treasurer’s office. Every five years, you’ll be issued a new Montana license plate for your vehicle.

How much you’ll pay for registration depends on the age of your vehicle. Including a 3% administrative fee, you’ll pay the following:

  • Vehicles 0 to 4 years old: $217
  • Vehicles 5 to 10 years of age: $87
  • Vehicles aged 11 years or more: $28.

For residents with vehicles 11 years of age or older that choose permanent registration, you’ll pay $87.50 for registration, a $10 Montana Highway Patrol Salary and Retention Fee, county tax, and if you keep your existing plates, there’s a $5 insurance verification fee.

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