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Get Cheap Car Insurance in Montana, AR

We monitor insurance prices, helping the average driver in Montana save up to 33.0% on car insurance.

 

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The Cheapest Minimum Coverage in Montana

The chart below shows the cheapest car insurance company in Montana for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Farm Bureau, Geico, and Jupiter.

 
Montana Insurer Monthly Cost
Safeco Insurance $52
Farm Bureau $54
Geico $55
Jupiter $57

Savings for Every Kind of Montana Driver

The table shows how much the average auto insurance customer in Montana might save by following our recommendations.

Based on our extensive insurance data, we know the average Montana driver will save about 20% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $318 per year by choosing the right vehicle insurance company. Some Montana residents are paying out over $1,609 extra every year for auto insurance in Montana. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Montana, AR Savings / Yr.
Drivers with good records
$318
Drivers with accidents
$564
Drivers with speeding tickets
$454
Drivers with a DUI conviction
$699
Young drivers
$1,806
Married drivers
$320
Drivers with bad credit
$448

Montana Car Insurance vs. Arkansas

People living in Montana pay an average of 4.40% less than the typical driver in the state. The average driver in Montana can expect to pay about $871 per year, or $1,609 for full coverage.

Based on our analysis, Travelers will be the cheapest provider in Montana for most people.

Car Insurance Prices by Montana Neighborhood

Montana, AR map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Montana?

The map shows insurance prices in and around Montana, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $68 per year within the city boundaries, with insurance premiums ranging from a high of $1,659 to a low of $1,591. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Montana.

Pick the Best Car Insurance Company for You in Montana

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Montana insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Montana

For drivers with clean driving records and no major strikes, Travelers is the best option, with annual savings of $318 over the average Montana car insurance company.

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We use the average good driver, paying $108 per month, as our baseline for pricing in Montana. State Farm, Travelers, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Montana drivers with accidents on their records

In Montana getting into an accident will raise premiums an average 37% for a yearly cost of $2,536. That's $927 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Gainsco, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Gainsco saved the average person who had been in an accident the most, with annual savings averaging $564 over the competition.

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The best car insurance company for Montana drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $454 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Montana, tickets raise premiums on new quotes about $514. If you have a speeding ticket, we recommend Geico, Gainsco, and Farm Bureau for savings that beat the average insurance cost of $2,123 per year.

The best auto insurance for Montana drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,682 per year in auto insurance premiums, which was $1,073 more than a driver with no major issues. Progressive, Farm Bureau, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from Farm Bureau may cost the average person with a DUI about $699 less each year.

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The least expensive car insurance company for new and young drivers in Montana

In Montana, Farm Bureau costs young drivers $1,806 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Montana. With an average cost of $5,472 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Montana

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $180. State Farm, Geico, and Farm Bureau provided the largest discounts to couples living in Montana.

Farm Bureau gave the largest car insurance discounts to married couples, averaging $320 saved each year compared to an average Montana couple's premiums.

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The cheapest car insurance in Montana for drivers with bad credit

People with poor credit saved an average of $448 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $919 every year. Premiums for people with poor credit were about $2,528 in Montana. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Dairyland, and Farm Bureau.

The best Montana car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Montana, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Shelter Insurance as the best provider in Montana.

Nationwide was the best company for customer service in Montana according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Montana, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Montana. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Montana

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Montana residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Montana driver can expect to pay about $113 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Montana, USAA has the best prices for drivers with speeding tickets, married couples, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and young drivers.
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Auto Insurance Prices in and Around Montana

What Influences the Cost of Car Insurance in Montana?

On average, car insurance in Montana is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Montana is 19 minutes, which is far less than average for a driver in the state.
  • Arkansas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Montana are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Montana is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Montana is $73 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Montana driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Montana with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.