Montana Car Insurance
The average Montana driver pays $1,730/year for full coverage and $410/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Montana quotes →At a glance
- Avg. full coverage
- $1,730 / year
- Avg. minimum coverage
- $410 / year
- State minimum
- 25/50/20
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- No
Montana Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Montana is:
25/50/20
$25K bodily injury per person, $50K per accident, $20K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Montana
By market share, these carriers write the most policies in Montana:
- 1State Farm
- 2Progressive
- 3GEICO
- 4Allstate
- 5Farmers
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Montana
Wide rural geography drives miles-driven (and thus premiums) higher than expected for a low-population state.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.