5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Shopping for car insurance in Montana is an individual decision — a driver exploring Glacier National Park in an old Jeep may have different needs than someone rolling down King Avenue West in a new Mercedes. Car insurance costs depend on various factors, like your age, driving record, and insurer.
Insurify evaluated 50 car insurance companies based on cost, customer satisfaction, coverage options, and other criteria. These are our top picks for the best car insurance companies in Montana.
Best car insurance companies in Montana
Before buying a policy, you should compare quotes from different companies to ensure you get the best rate. Start your search for Montana car insurance with the companies below.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
4.2
Best choiceBased on 10,502 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,785)
Daniel
April 16, 2025
Verified Review
Good
It's expensive, but they are good at paying claims.
Betina
April 16, 2025
Verified Review
Great! Need Lower Cost!
The experience is great! As a retired senior citizen, I'm struggling to make ends meet. I need a cheaper/lower cost premium.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is known for low premiums, an award-winning mobile app, and telematics programs that help safe drivers save money. The company also offers discounts for Montana drivers with clean driving records. State Farm has limited additional coverage options, but the company does offer rideshare coverage.
Pros
Ranked No. 2 for customer satisfaction in the Northwest region by J.D. Power[1]
A++ (Superior) financial strength rating from AM Best
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$132/mo
3.1
A solid optionBased on 765 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (421)
Teresa
April 16, 2025
Verified Review
Retired and Frustrated
The price for a 6-month policy is outrageous at $750, and I've been informed that it's going up to $850. I have never had a claim or ticket in the 50 years I've been driving. I would stop driving for that price.
Sonya
April 16, 2025
Verified Review
My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.
My experience with Root has been horrible. When you start with Root, they let you install an app on your phone to monitor your driving. Your discounts are supposed to be based on this, but I've never received a discount and my price keeps increasing. I wouldn't recommend this to anyone. Also, due to some financial difficulties, I paid my insurance about a week late, which led to my policy being canceled. I understand this, but I paid it on the 3rd of March and they're telling me my insurance is due again on the 18th of April, which makes no sense.
Michael
April 12, 2025
Verified Review
Save Money Elsewhere
The rate was so high that I found a better deal elsewhere. Despite having a good driving report, the price was actually $10 more than originally quoted. It did cover me for my ride home after buying, but considering it was a $1000 car, the insurance cost was 20% of what I paid for the car per month. Despite them tracking my driving and acknowledging that I'm a good driver, there was no discount, and the price was $10 more. I ended up going back to Progressive.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Root uses driving habits to set insurance rates, so you can save money on your premium if you’re a safe driver. The company typically has cheaper rates for liability-only and full-coverage insurance than other insurers in Montana. Root tracks your driving using a mobile app, which you can also use to file claims or request roadside assistance.
Pros
Excellent customer ratings on Trustpilot
Allows you to test-drive its app for a rate estimate
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$116/mo
4.0
Best choiceBased on 11,420 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,246)
Joel
April 16, 2025
Verified Review
Best rates out there
Excellent.
Juan
April 16, 2025
Verified Review
Excellent
Very good.
Paul
April 16, 2025
Verified Review
Price
It's good, but the price is increasing every year and it's not worth it.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers many discounts for Montana drivers — including multi-vehicle, bundling, and good student discounts. It even offers a discount for completing a defensive driving course. You can also customize your policy with optional coverage like mechanical breakdown insurance.
Pros
A++ (Superior) financial strength rating from AM Best
Highly rated mobile app
Multi-car discount available
Cons
Below-average customer satisfaction rating in the Northwest region from J.D. Power
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo
4.5
Best choiceBased on 820 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (464)
Robert
April 14, 2025
Verified Review
Good Luck
This was the worst claims experience I've ever had. The claims representative refused to return my calls, answer my texts, or respond to my emails. It took two years to complete the claim, causing hours of unnecessary stress. I felt completely ignored by Safeco.
Clark
April 10, 2025
Verified Review
Poor Treatment for a Long-Time Customer
They overcharged me for years.
Syndee
April 9, 2025
Verified Review
Safeco
For the most part, the service has been great with quick responses when needed. My biggest issue is the cost. It's almost $340 a month for 2 cars and 3 drivers.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Safeco offers relatively low premiums in Montana — particularly for older drivers. Every Safeco policy includes a vanishing deductible, and you’ll get cash back every six months without a claim. Montana residents can also access an extensive network of independent agents who can answer policy questions.
Pros
Telematics program and safe driving discounts available
A (Excellent) financial strength rating from AM Best
New-vehicle replacement coverage available
Cons
Poor ratings for customer and claims satisfaction in the Northwest region from J.D. Power
High rates for teen drivers
Above-average number of customer complaints with the NAIC
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.9
Best choiceBased on 1,918 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,114)
Peter
April 16, 2025
Verified Review
Excellent Insurance, Although Expensive
I rely on the excellent support provided by USAA.
Richard
April 14, 2025
Verified Review
Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct
This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA offers savings to Montana military members, veterans, and their families. The company offers benefits like accident forgiveness, a safe-driving telematics program, and a discount for storing your car at a military base. Plus, USAA consistently gets high ratings for customer satisfaction and financial strength.
Pros
Ranked No. 1 for customer satisfaction in the Northwest region by J.D. Power
A++ (Superior) financial strength rating from AM Best
Safe driving discounts available
Cons
Limited optional coverage available
Only available to military members and their families
Above-average number of customer complaints with the NAIC
Our editorial team analyzed regional and national auto insurance companies that sell policies in Montana to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Montana
Montana drivers can get the minimum-required coverage from any state-licensed auto insurer. But finding the best car insurance for your needs can be challenging. Here are a few tips on how to get the right policy at the best price.
Consider your coverage needs
Montana requires all drivers to purchase at least $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $20,000 in property damage liability insurance.[2]
If you cause an accident, liability insurance covers the other driver’s injuries and damage to their vehicle. Montana is a tort state, meaning drivers can sue the at-fault party after a crash. So drivers should consider higher liability limits to avoid costly issues.
You might also consider purchasing a full-coverage policy, which includes comprehensive and collision coverage. Nearly 9% of Montana drivers don’t have auto insurance, so you should also consider purchasing uninsured/underinsured motorist coverage.
To narrow your options, look at what people have to say about the car insurance companies you’re considering. A few sources of third-party ratings and customer reviews include:
Financial strength ratings from AM Best and Moody’s
Customer satisfaction ratings from J.D. Power
NAIC Complaint Index
Complaints with the BBB
Customer reviews on Trustpilot
Decide which digital tools you need
Some of the best car insurance companies use technology like telematics programs to provide a better experience. Consider whether you need any of the following:
Online and mobile app claims filing
Live chat customer support
Safe-driving telematics programs
Mobile app roadside assistance requests
Digital insurance cards
Compare quotes and look for discounts
Each insurer calculates rates differently, so you should compare auto insurance quotes to get the best deal. For example, some companies offer cheaper car insurance rates for younger drivers, while others may be more expensive for high-risk drivers. Comparing rates is the best way to get the cheapest premium.
You can get quotes from each insurer or save time by using an insurance-comparison tool. If you get quotes from individual companies, make sure to choose the same coverage and limits. You should also check the insurers’ websites or ask your agent whether you’re eligible for any discounts. Your car insurance quote might not include all available discounts.
Find Cheap Car Insurance in Montana
Compare rates from leading insurers
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Montana
The average cost of car insurance in Montana is $163 per month for full-coverage insurance and $76 per month for liability-only insurance. Rates have increased in recent years, but Montana car insurance premiums are typically lower than the national average.
Risky driving, increased repair costs, and more frequent and costly natural disasters are all factors causing premium increases in Montana.[3] But you can save money on car insurance by comparing quotes and taking advantage of discounts.
Best car insurance in Montana FAQs
If you still have questions about buying a car insurance policy in Montana, we can help. We’ve answered some of drivers’ most common questions about insurance in Montana.
How much is car insurance in Montana?
Car insurance in Montana costs an average of $119 per month. Montana drivers pay $76 monthly for liability-only insurance and $163 per month for full coverage.
What are the best car insurance companies in Montana?
State Farm, Root, GEICO, Safeco, and USAA are among the best car insurance companies in Montana. But the best company for you depends on your coverage needs and budget. Comparing quotes from multiple insurers can help you get the right coverage at the best price.
What is the required auto insurance coverage amount in Montana?
Montana requires drivers to have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. Policies must also include at least $20,000 in property damage liability coverage. Driving uninsured could result in a fine of up to $500 and up to 10 days in jail, and Montana police officers electronically verify policies at traffic stops.
Lindsay Frankel is a content writer specializing in personal finance and auto insurance topics. Her work has been featured in publications such as LendingTree, The Balance, Coverage.com, Bankrate, NextAdvisor, and FinanceBuzz.
Lindsay has been a contributor at Insurify since October 2022.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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