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Who Has Cheap Montana Auto Insurance Quotes?

Enter your Montana zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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The vehicle on the policy is one of the largest factors that determines the availability of the best cheap insurance in Montana. Vehicles with limited speed and performance, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The next lists illustrates coverage prices for a selection of the most cost-effective vehicles to insure in Montana.

Insurance Rates for Popular Cars in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,530 $765 $128
Ford Focus SE 2-Dr Coupe $1,720 $860 $143
Ford Fusion Sport AWD 4-Dr Sedan $1,758 $879 $147
Honda Civic VP 4-Dr Sedan $1,582 $791 $132
Hyundai Sonata SE 4-Dr Sedan $1,720 $860 $143
Nissan Altima 3.5 SR 2-Dr Coupe $1,834 $917 $153
Toyota Corolla LE $1,612 $806 $134
Volkswagen Jetta SE 4-Dr Sedan $1,642 $821 $137
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in garaging location in Montana which can affect insurance rates considerably.

Car Insurance Rates for Popular SUVs and Crossovers in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $1,592 $796 $133
Buick Enclave XL AWD $1,674 $837 $140
Chevrolet Traverse LS 2WD $1,322 $661 $110
Ford Escape XLT 2WD $1,292 $646 $108
Ford Expedition Eddie Bauer 4WD $1,518 $759 $127
Ford Explorer XLT AWD $1,446 $723 $121
GMC Acadia SLE AWD $1,530 $765 $128
Honda CR-V EX 2WD $1,292 $646 $108
Honda Pilot EX-L 2WD $1,560 $780 $130
Jeep Grand Cherokee Laredo 2WD $1,530 $765 $128
Jeep Patriot Sport 2WD $1,416 $708 $118
Subaru Forester X Limited Edition W/Navigation AWD $1,550 $775 $129
Toyota 4Runner Limited 4WD $1,550 $775 $129
Toyota Highlander SE 4WD $1,674 $837 $140
Toyota RAV4 Limited 2WD $1,530 $765 $128
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices substantially.

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Car Insurance Rates for Popular Pickup Trucks in Montana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD $1,866 $933 $156
Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD $1,788 $894 $149
Chevrolet Silverado LT Extended Cab 4WD $1,530 $765 $128
Dodge Ram 2500 Crew Cab Laramie 4WD $1,896 $948 $158
Dodge Ram 3500 Crew Cab SLT 2WD $1,788 $894 $149
Dodge Ram Crew Cab ST 2WD $1,668 $834 $139
Ford F-150 Lariat Crew Cab 2WD $1,560 $780 $130
GMC Canyon SLE Ext Cab 2WD $1,500 $750 $125
GMC Sierra SLE Regular Cab 2WD $1,530 $765 $128
Toyota Tundra SR/5 Crew Max 4WD $1,782 $891 $149
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can revise coverage prices considerably.

For drivers in Montana, one of the big criteria that are looked at to help calculate the amount you pay each year for auto insurance is where you choose to live in Montana. Regions with more people or even just more weather-related claims like Whitefish, Kalispell, and Polson tend to have higher rates, whereas less populated areas benefit from lower prices.

The illustration below rates the most costly cities in Montana to purchase auto insurance in.

How much does car insurance cost in Montana?
Rank City Annual Rate
1 Whitefish $1,225
2 Evergreen $1,223
3 Kalispell $1,223
4 Columbia Falls $1,176
5 Polson $1,148
6 Havre $1,137
7 Livingston $1,124
8 Lewistown $1,120
9 Sidney $1,115
10 Glendive $1,107
11 Belgrade $1,095
12 Miles City $1,081
13 Hamilton $1,078
14 Bozeman $1,077
15 Butte-Silver Bow $1,056
16 Anaconda-Deer Lodge $1,050
17 Lockwood $1,050
18 Missoula $1,041
19 Great Falls $1,026
20 Orchard Homes $1,022
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Table data uses approximated as the specific zip code location can raise or lower premiums substantially.

Determining which company offers the cheapest car insurance rates in Montana takes a bit more work than just comparing rates from one or two companies. Every insurance provider uses a little different formula for setting prices, so let’s take a look at the overall cheapest car insurance companies in Montana.

It’s important to understand that Montana car insurance rates are influenced by many factors which can significantly increase or decrease the price of coverage. Simply having another birthday, moving across town, or getting into an accident can cause premium changes resulting in some companies being cheaper in comparison to the competition.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest insurance companies in Montana
Rank Company Cost Per Year
1 Safeco $837
2 Progressive $942
3 USAA $1,024
4 State Farm $1,091
5 MetLife $1,186
6 National Farmers Union $1,204
7 Allied $1,309
8 Farmers $1,541
9 California Casualty $1,616
10 GEICO $1,672
11 Allstate $2,090
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Safeco normally has some of the lowest car insurance rates in Montana at around $837 each year. Progressive, USAA, State Farm, and MetLife also qualify as some of the best Montana auto insurance companies.

In the rate table above, if you have coverage with State Farm and switched to Progressive, you could realize a yearly price reduction of roughly $149. Customers with MetLife might save as much as $244 a year, and National Farmers Union policyholders might lower prices by $262 a year.

These premium estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a rate decrease in Montana. So the insurer that fits your situation best may not even be included in the list above. That point stresses why you need to get car insurance quotes using your own individual information.

Enter your zip code below to view companies that have cheap auto insurance rates.

The example below demonstrates how deductible levels can impact insurance costs when quoting cheap insurance in Montana. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.

The data above shows that a 40-year-old driver could lower their car insurance rates by $624 a year by switching from a $100 deductible to a $500 deductible, or save $936 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could shave $1,594 or even more by using a higher deductible.

When using a larger deductible, it will now be necessary to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Safe drivers Montana pay cheaper rates

In a perfect world, the best way to maintain cheap Montana auto insurance quotes is to drive safe and have a clean driving record. The illustration below shows how traffic citations and at-fault claims can impact yearly insurance costs for each different age category. The premiums are based on a married male driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of auto insurance in Montana per year with no accidents and a clean driving record is $3,447. Receive two speeding tickets and the average cost hikes up to $4,770, an increase of $1,324 each year. Now throw in one accident along with the two speeding tickets and the annual cost of car insurance in Montana goes up to an average of $6,123. That’s an increase of $2,677, or $223 per month, just for not driving safely!

You may be paying too much for car insurance

Montana car insurance rates are based on many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit rating, having a teenage driver, or getting a speeding ticket may cause policy rate changes resulting in some companies being cheaper than before. Additionally, insurance companies file new Montana auto insurance rates at least once a year to reflect underwriting profits or losses. Significantly higher losses can cause higher priced premiums, while a profitable period may cause more affordable Montana car insurance rates.

To illustrate this example, the graph below shows the company with the cheapest car insurance in Montana for a 30-year-old female driver with a clear driving record, no claims, and a good credit rating. If we look at prices based on her personal profile, Safeco may have the most affordable car insurance rates in Montana at $828 annually. This is $492 less than the average policy premium paid by Montana drivers of $1,320. Progressive, USAA, State Farm, and MetLife are the remaining best Montana auto insurance companies.

Let’s now give the driver from the first set of rates a couple of claims, poor credit, and a blemish on her driving record. Since each auto insurer uses their own formula for determining rates, analyzing rates most likely will result in a different ranking of companies as shown below.

Allied now has the best price on car insurance in Montana with Progressive, USAA, State Farm, and Safeco now being in the top five. This shows why it is important to shop around when trying to get the most economical auto insurance quotes in Montana.

Car insurance prices are made up of many things and change frequently, so the most economical company when you last compared rates may now be wasting a lot of money.

Use our FREE quote tool to compare insurance now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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