Cheapest Car Insurance in Montana
Numbers refreshed
Insurers ranked by price where Montana publishes the figures, and ways to lower your own bill.
- $44.the average monthly cost of the legal minimum.
- 25/50/20.the minimum liability limits.
- 37th of 51.the most expensive state (1st = highest).
Which insurers cost the least in Montana
Montana doesn't publish a price comparison of insurers, so official figures can't rank every company there. Averaging $530 a year, or about $44 a month, is what the cheapest legal policy costs (NAIC).
Get quotes from at least three insurers, all using the same limits and deductibles. Prices for one driver often differ sharply between a direct writer, a local agent, or a regional company.
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $791 a year on the Montana average.
- A higher deductible often saves more in a year than one claim would add in extra deductible.
- When you ask, name each discount: paying in full, good student, multi-car, bundling home and auto, safe-driving apps.
- Check prices again at renewal, and remember that your rate going up doesn't mean others did.
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