2022 Best Cheap Auto Insurance in Montana

Other auto insurers in Montana offering cheap coverage for young drivers include:

  • USAA, which charges annual premiums of $2,096
  • General Casualty Company of Wisconsin, which charges annual premiums of $2,130

Cheaper for drivers with previous accidents

Montana’s cheapest car insurance for drivers with a history of accident is provided by State Farm. Average premiums for a driver with a previous accident are $834. Costs are higher for drivers with an accident history, due to the increased risk.

Other Montana insurers offering cheap coverage for drivers with accident histories include:

  • Progressive, which charges annual premiums of $954
  • USAA, which charges annual premiums of $982

Cheaper for drivers with speeding tickets

State Farm also offers Montana’s cheapest car insurance for drivers with speeding tickets. Average premiums for a driver with a speeding ticket are $783 from State Farm.

Other auto insurance companies in Montana offering cheap auto insurance policies to drivers with a history of traffic tickets include:

  • Progressive, which charges average annual premiums of $787
  • USAA, which charges average annual premiums of $968

Cheapest for drivers looking for minimal coverage

How much does auto insurance cost in Montana? The cost depends on the level of protection desired by drivers. For drivers who want inexpensive liability auto insurance in Montana, the cheapest insurer is Progressive, with average premiums of $127 for liability coverage alone.

Some of the other best auto insurance companies in Montana for drivers looking for minimal coverage include:

  • USAA, which has average premiums of $144
  • State Farm, which has average premiums of $161

Purchasing liability-only coverage reduces Montana auto insurance costs. But it is risky to only have liability coverage. Automobile liability insurance policies only reimburse damages that the covered driver causes to other motorists. If a driver has liability-only coverage, no personal losses are covered by the insurance. This means that the insurance does not cover a car after an accident caused by the driver. It also won’t pay for car theft or other damage, such as hail damage.

Average cost of car insurance in Montana compared to the national average

Auto insurance in Montana is slightly cheaper than the national average. In Montana, the average auto insurance premium is $2,843. This is the overall average for motorists of varying ages and driving records. By comparison, the national average annual auto insurance premium is $2,875.

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