Car Insurance in Montana

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Looking for cheap car insurance in Montana?

From golden plains to dazzling mountain vistas, Montana has no shortage of stunning landscapes to explore by road—but it also has some of the highest car insurance rates in the country. High mountain roads translate to high vehicle fatality rates, and insurance companies take these location-specific factors into account when calculating your rates.
But where you live is just one of the factors that insurance companies consider when determining premiums. So whether you’re in Billings, Missoula, or Great Falls, comparing rates between providers can help you find the best deal.
Shopping is easy with Jerry, a licensed broker that compiles quotes and helps you switch so that all you have to think about is what you’re going to do with the savings!
Need some proof? Here are some quotes from real Jerry customers in Montana:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
January 18, 2021Dodge Durango SLTVaughn23Progressive$220/mo.$63/mo.
June 3, 2021Toyota 4Runner SR5Missoula67Safeco$132/mo.$82/mo.
April 10, 2021Mercedes-Benz E 350Kalispell19Progressive$269/mo.$136/mo.
June 17, 2021GMC Yukon XL K1500Great Falls38Progressive$220/mo.$162/mo.
May 5, 2021Chevrolet TrailblazerBillings18Progressive$234/mo.$193/mo.
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How much does car insurance cost in Montana?

The average cost of basic liability car insurance in Montana is $1,740 per year. Opting for full-coverage car insurance in Montana will leave you with an average cost of $2,268 per year.

How does the annual cost in Montana compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
So, why is car insurance so expensive in Montana? There are a couple of main reasons:
  • Dangerous mountain roads contribute to high vehicle fatality rates in the state—the highest in the country
  • Severe weather is common and leads to many comprehensive claims
Here’s how the insurance savings with Jerry in Montana compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
MT$2,438$1,274--$1,796$1,440
National Average$2,491$1,672$2,359$1,390$2,763$1,962
MTNational Average
All Coverage Before Jerry
$2,438$2,491
All Coverage After Jerry
$1,274$1,672
Minimum Coverage Before Jerry
-$2,359
Minimum Coverage After Jerry
-$1,390
Full Coverage Before Jerry
$1,796$2,763
Full Coverage After Jerry
$1,440$1,962
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Top auto insurance providers in Montana

If you’re looking for insurance companies in Montana, you won’t have to look very hard. There are plenty of insurers offering reliable coverage. While State Farm, GEICO, and Progressive are some of the top picks, you’ll want to explore your options to find the best company for you.
Insurers set premiums based on a multitude of factors, but they all weigh those factors a little differently. This means that requesting quotes from three different insurance companies will probably get you three very different rates—even for the same coverage.
Factors like your age, driving record, and location all have an impact on your premium. So does your vehicle. If you drive an Acura TLX, for example, you’ll pay more for full-coverage insurance than you would for a Honda Civic because expensive cars cost more to insure.
Check out some of the great prices that Jerry customers have found with various insurance companies in Montana:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$6,000$4,109Compare Prices
Nationwide$3,371$1,694Compare Prices
Travelers$2,882$1,337Compare Prices
Kemper$2,594$1,204Compare Prices
Safeco$2,851$1,202Compare Prices
Allstate$3,360$1,041Compare Prices
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What car insurance do you need in Montana

Most states have minimum insurance requirements that you must meet to hit the road. In Montana, you need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
These minimums are fairly low, and driving without them could result in some serious penalties:
  • Fine of up to $500
  • Up to 10 days in jail
  • Up to 5 points on your license
  • Driver’s license suspension for up to 90 days
  • Financial liability in the event of an accident
But liability insurance alone isn’t enough to protect you and your vehicle in the event of an accident. It’s usually a good idea to purchase as much insurance as you can afford. Here are some coverages to consider:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Uninsured motorist coverageReimburses you for your expenses from an accident caused by an uninsured driver
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
Once you’ve decided what you need, why not let Jerry help you find the right provider?
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry compiles quotes from top insurers like Nationwide and Travelers, helps you with the switch from start to finish, and even monitors rates before renewal so that you’re always getting the best price.
The average Jerry customer saves $879 per year!
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in Montana?

The key factors that contribute to your insurance rates are your age, driving record, location, and vehicle.

Cost to insure your car in Montana by age

Insurers value experience—something that young drivers lack. And since young drivers are some of the riskiest and most accident-prone on the road, insurance premiums for them tend to be sky-high.
What young drivers in Montana need to know
  • Missouri has a three-step graduated licensing program that helps reduce the risk while new drivers under the age of 18 develop and improve their driving skills
  • Taking a defensive driving course can reinforce safe driving behaviors and secure lower insurance premiums
  • Maintaining a good average can qualify student drivers for a good student discount
While most young drivers won’t be eligible for low premiums like their parents, shopping around and maintaining a clean driving record can go a long way to finding more affordable rates.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,934$889
21-24$2,112$667
25-34$2,450$797
35-44$2,039$784
45-54$2,132$672
55-64$3,396$2,238
65+$1,584$452
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Cost to insure your car in Montana with a poor driving record

While age helps insurers gauge experience, your driving record helps them gauge your risk level on the road. If your record shows speeding tickets, accidents, and serious offenses like reckless driving, you’re in for high Montana car insurance rates for up to 10 years.
Plus, if you commit another violation within that period, it will be considered a second offense. This means you’ll be hit with even more serious penalties and experience high insurance rates for even longer.
So, can you save money on car insurance if you have driving violations? You bet—and using an app like Jerry to compare rates makes it super easy.
Here are some of the savings we found for customers with poor driving records:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,562$1,072
Driving on Sus. License$6,000$4,072
DUI$3,105$1,252
Failure to Obey Traffic Sign$2,078$812
Speeding under 15$3,924$803
Illegal Turn$2,790$678
Suspension$1,800$410
Defective Equipment$3,324$228
Other$2,371$563
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Cost to insure your car in Montana based on where you live

Montana is a big state with a not-so-big population. With a population density of just 6.8 people per square mile, it’s one of the least densely populated states in the country.
That said, where you live in the state makes a difference for your insurance company. Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims. So, if you live in a dense suburban city like Great Falls, you’re going to have higher insurance premiums than if you lived in a small town like Dixon.
Check out the top 10 cheapest cities for car insurance in Montana:
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Cost to insure your car in Montana based on the type of car you drive

Finally, your car plays a role in your insurance rate. Driving a reasonably-priced vehicle like a Buick Lacrosse or the ever-popular Ford F-150 pickup truck will help keep your costs low.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And driving less will save you even more, since you’re at less risk for an accident.
But if your ride is something like a GMC Yukon XL or Ford Excursion XLT, you’ll probably be paying more since the vehicle price is higher.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Ram 1500 SLT$3,816$1,203
Audi Q5 Premium Plus$3,072$1,015
Honda Ridgeline Rts$1,606$684
Chevrolet Trailblazer LT$1,200$494
Toyota 4Runner SR5$1,584$452
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How to save money on car insurance in Montana

Montana has some of the highest insurance rates in the country, which means that finding ways to save can make a big difference to your monthly expenses. Here are some things to try.

Shop around for quotes

The best way to find savings on your insurance is to shop around—but it’s definitely not always the easiest! Well, unless you use Jerry.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign up, answer a few easy questions, and watch as Jerry compiles quotes from more than 50 reputable insurance companies that meet your coverage needs.
Even better, Jerry will handle all the details once you’re ready to switch and even monitors rates before renewal to ensure you’re always getting the best price.
The average Jerry customer saves $879 per year on their car insurance!

Look for discounts

Most insurance companies offer a wide range of discounts that, combined, can really make a dent in your insurance rate. Here are some of the most popular discounts for drivers in Montana:
DiscountWho is eligible?
Good driver discountsGood driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Green vehicle discountIf you drive a hybrid or electric vehicle, you could be eligible for a good discount on your car insurance premium.
Bundling discountsInsuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.
Paperless billing and automatic payments discountsEnroll in paperless billing and you could qualify for a discount between 2 and 25%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers that typically face high premiums.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Telematics discountsIn exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving.
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Increase your deductible

Your deductible is the amount you must pay out of pocket for a claim before your insurance kicks in to cover the rest. While increasing your deductible can reduce your insurance rate, it can be a risky move.
Make sure that you can afford to pay the deductible in full each time you have to make a claim. Otherwise, you could find yourself in financial (and legal) trouble.

Registering your car in Montana

To register a car in Montana, bring the following to the DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
In Montana, you need to renew your vehicle registration annually. You can complete the process online or in person at your local DMV office.

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