Cheap Auto Insurance in Montana — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Montana (2026)

We compared full coverage rates from the top auto insurance companies in Montana. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Montana Auto Insurance

• Montana requires minimum liability coverage of 25/50/20.
• The average full-coverage premium in Montana is $1,790/year.
• Montana uses a at-fault/tort insurance system.
• Approximately 8% of Montana drivers are uninsured.
• Montana drivers face weather-related risks including blizzards, extreme cold, wildlife crossings, ice, mountain roads.
• Liability-only coverage in Montana averages $460/year.

For complete Montana auto insurance laws and requirements, visit the Montana Commissioner of Securities and Insurance. For vehicle registration and licensing, visit the Montana Motor Vehicle Division.

Full Coverage vs. Liability in Montana

Full coverage in Montana averages $149/month, while liability-only coverage averages $38/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 8% of Montana drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Montana

Where you live in Montana significantly affects your premium. Click your city for local rate comparisons:

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
2. Montana Commissioner of Securities and Insurance — official state insurance regulator for Montana.
3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
4. Montana Motor Vehicle Division — Montana vehicle registration and licensing requirements.
5. Insurance Information Institute (III) — independent insurance education and research.
6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.