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Cheapest car insurance in Plains, Montana (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Plains, Montana.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Plains

On average,
auto insurance
in Plains costs about $75 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Plains drivers pay 16% less than the
Montana
average. 
Smart car insurance shoppers in Plains, Montana come to Jerry every month because Jerry makes it easy for customers to
compare and buy car insurance policies
. Below are some of the cheapest car insurance quotes Jerry found for our Plains customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$180
Lee, 23
Zip: 59859
GMC Sierra K1500 SLE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 20, 2024

Best car insurance companies in Plains

There is no single best car insurance company for everyone. Every customer gets different
car insurance quotes
based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service. 
To help drivers better compare the cheapest car insurance companies, Jerry conducted the industry’s largest nationwide survey to determine which car insurance companies offer the best rates in Montana.
While the research revealed there’s no one “best” provider for affordable insurance in Big Sky Country, Montanans rated
GEICO
5/5 for both claims satisfaction and customer service—but they only rated it a 3/5 when it came to policy costs.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.1
4
N/A
4.5
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Plains

In Montana, all drivers must carry
minimum liability coverage
. That means it’s also the minimal amount of car insurance you need to have in Plains and gives you the cheapest rate. 
But depending on your circumstances and preference, you may opt to carry higher liability limits or full coverage car insurance to offer greater protection for you and your vehicle.

Cheap minimum liability insurance quotes in Plains

To drive legally in Plains , you must meet
Montana’s minimum liability insurance requirements
. Those include: 
  • $25,000 per person / $50,000 per accident in bodily injury liability coverage
  • $20,000 per accident in property damage liability coverage
These coverages are commonly referred to as 25/50/20 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving. But it does not cover your personal medical expenses or damages if you are at fault.
Jerry has helped Plains car owners find the best rates on minimum liability coverage.
card cover
Lee (23 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month

Do you need more than minimum coverage in Plains?

Montana’s 25/50/20 minimum liability insurance may not be enough to cover the costs of an at-fault accident in Plains.
For example, the minimum amount of property damage coverage—that is, $20,000—can quickly get exhausted in a multiple-vehicle collision or if you cause damage to a new or luxury vehicle. Similarly, an accident that injures multiple drivers can quickly deplete your $50,000 limit for bodily injury coverage. 
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket—so it’s worth investing in extra coverage. 
And keep in mind that
Montana's car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident! 
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Plains

To protect yourself against expenses associated with repairing or replacing your vehicle,
full coverage car insurance
is the only option.
Full coverage typically includes
comprehensive
and
collision coverage
, in addition to your state's minimum liability limits:
  • Collision coverage helps cover the costs of repairs to your vehicle following an accident.
  • Comprehensive coverage handles costs associated with non-collision incidents, such as theft, vandalism, or weather damage.
If you want to safeguard your finances from steep accident expenses, you want full-coverage car insurance. Repairing or replacing your vehicle can cost thousands of dollars, but it doesn’t have to come out of your wallet if you have adequate coverage.
Drivers can choose to enhance their insurance protection by purchasing additional coverages for an extra premium. Popular insurance add-ons in Montana include: 
The table below shows some recent examples of cheapest Plains full coverage quotes that Jerry’s agents helped our customers find.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$180
Lee, 23
Zip: 59859
GMC Sierra K1500 SLE
coverageLast Updated May 20, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Plains

Based on our experience in assisting thousands of insurance customers in The Treasure State, we’ve learned that the average annual cost of minimum liability insurance in Plains is $75 per month or $900 per year. Full-coverage insurance in Plains will cost around $150 per month or $1,800 per year.
While insurance averages can help you predict your personal costs, they should be understood more as a general guideline than hard facts. Each driver’s premium is calculated uniquely based on factors like demographics, discount eligibility, driving history, and more. 

Car insurance quotes in Plains by rating factors 

Insurance companies in Plains use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Plains?

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Allowed (with applicable limitations): Age, driving experience, credit history, occupation, employment Status, zip code, insurance history
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Prohibited (or effectively prohibited): Gender, education, marital status
Learn more about the car insurance rating factors in Plains:

Cheap car insurance quotes in Plains after driving violations

If insurance companies detect a record of violations, they will consider you are a higher risk to insure—and charge you a higher rate.
   

Cheapest car insurance in Plains after speeding ticket

Speeding tickets
are among the most common road violations, and they can have a big impact on your car insurance. In Plains, car insurance costs can increase as much as 22% following a speeding violation.
On the bright side, Jerry can effectively help drivers with speeding tickets save on their car insurance premiums:    
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Allstate
$70
Elizabeth, 36
Zip: 59859
Chrysler Voyager
• 50,000/100,000 Liability
• Comp / Collision
Speeding 6-10
Nationwide
$68
Francisco, 42
Zip: 59859
Mazda Speed
• State Minimum Liability
coverageLast Updated May 20, 2024

Cheapest car insurance in Plains after DUI

In Plains,
a DUI violation
can affect your insurance rates more than any other violation. Having a DUI on your driving record will likely result in insurance providers charging significantly higher rates or even refusing to cover you altogether.
Drivers with DUI convictions may need to compare rates from multiple companies to find affordable coverage. That’s where Jerry can help:
card cover
Lillian (44 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
$77
per month
card cover
Maurice (37 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
$46
per month

Cheapest car insurance in Plains after an at-fault accident

Insurance companies also consider your claims history, including whether you have a history of at-fault accidents. Drivers with recent at-fault accidents could face seriously steep rates.
Jerry has helped many Plains drivers save on car insurance after accidents.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
Not At Fault
Progressive
$180
Randall, 23
Zip: 59859
GMC Sierra K1500 SLE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 15, 2024

Cheapest car insurance in Plains after other driving violations

Aside from speeding tickets and DUIs, other types of driving violations can also raise your car insurance rates in Plains.
Common moving violations include speeding,
reckless driving
, and driving with a suspended license. Explore how Jerry has helped policyholders with violations on their driving records lower their monthly premiums.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Nationwide
$64
Manuel, 40
Zip: 59859
Toyota Camry
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Safeco
$54
Dustin, 38
Zip: 59859
Oldsmobile Cutlass
• 100,000/300,000 Liability
coverageLast Updated May 18, 2024

Cheap car insurance quotes in Plains by age

Teenage and senior drivers pay some of the highest insurance rates compared to the national average.

Cheapest car insurance in Plains for young drivers

In Plains,
Insurance for new drivers
is typically higher than any other age group, in large part due to their limited driving experience and insurance history. But as teenage drivers mature into young adults, their rates tend to gradually drop off.
Despite already-elevated insurance costs, young drivers would benefit from a full-coverage policy and/or higher coverage limits. Full-coverage insurance can give novice drivers added protection and an extra boost of confidence while helping parents maintain peace of mind. 
card cover
Lee (23 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month

Cheapest car insurance in Plains for senior drivers

Similar to teen drivers,
car insurance for senior drivers
tends to be expensive because they are considered a high-risk age group:
  • Senior drivers have a higher probability of being involved in car accidents
  • Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they reach age 75. 
card cover
Ora (72 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
$65
per month
card cover
Lily (70 years old)
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
$60
per month

Cheap car insurance quotes in Plains based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Daniel (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month
card cover
Warren (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month
card cover
Randall (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month
card cover
Rachel (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month
card cover
Alma (23 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlains, MT
(Zip Code: 59859)
carGMC Sierra K1500 SLE
$180
per month

Cheap car insurance quotes in Plains for drivers with poor credit

While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.
As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
550 - 659
Progressive
$180
Rachel, 23
Zip: 59859
GMC Sierra K1500 SLE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 20, 2024

How to lower car insurance costs in Plains

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Plains?

People living in Plains pay on average $75 per month – or $900 per year – on state-minimum liability coverage. Full coverage in Plains costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance.

What is the minimum car insurance in Plains, Montana?

The state-minimum car insurance in Plains, Montana is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property. These coverages are commonly referred to as 25/50/20 coverage.

What is the best car insurance in Plains?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Bristol West, Travelers, and Dairyland receive good ratings from Plains drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the cheapest car insurance in Plains?

Based on thousands of Plains drivers Jerry has worked with, car insurance in Plains costs an average of $75 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but some of the most affordable providers in the city are Bristol West, Direct Auto, and Clearcover.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.