Montana car insurance

The roads in Big Sky Country that wind through Billings, Missoula, and Great Falls call for reliable car insurance in Montana from Progressive. Check out Montana's auto insurance requirements, and find the right coverage and discounts for your needs.

What are Montana's minimum auto insurance requirements?

Drivers in Montana are required to have auto liability coverage (BI liability and PD liability), at the following minimum car insurance limits:

While these are Montana's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.

Is Montana a no-fault state?

No. Montana is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.

How much is car insurance in Montana?

The average cost for a Montana liability-only auto insurance policy (single driver/single car) at Progressive was nearly $77 per month in 2023.^* Rates vary based on several factors, including the limits and coverages you choose, as well as your driving history and ZIP code. Progressive offers car insurance quotes for Montana drivers to help them find coverage and discounts.

What is the best car insurance in Montana?

Finding the best car insurance in Montana means taking the time to compare equal coverages, limits, deductibles, and discounts. Progressive offers plenty of incentives to help drivers in Montana get the best car insurance. Our auto insurance customers earn an average of seven discounts, and we're a leading auto insurance company.

If you're looking for the cheapest car insurance in Montana, here's how much drivers countrywide who save after switching to Progressive save on average compared to their previous auto insurer:

• GEICO customers who switch and save with Progressive save $757 on average^§
• State Farm customers who switch and save with Progressive save $661 on average^‡

How do I lower my car insurance cost in Montana?

To lower your car insurance cost in Montana, you may qualify for the following discounts through Progressive:

• Online quote
• Multi-car
• Paid in full
• Five-year claim-free
• Multi-policy
• Distant student

See all our auto insurance discounts.

Additional car insurance coverages to consider

If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Montana's state-required coverages.

Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered incident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.

Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.

Montana driving resources

From Bozeman to Butte, get to know Montana's driving laws and resources. These resources apply to Helena, Kalispell, and everywhere in between. Local municipalities may have additional laws and resources.

• Montana Motor Vehicle Division: Find out how to get or renew your Montana license, vehicle registration, and manage driving records.
• Montana MVD driving safety resources: Learn about Montana speed limits, seatbelt rules, DUI consequences, and other safety rules.
• Montana driving FAQs: Get answers to your questions about license plates, buying and selling a vehicle, obtaining your REAL ID, and MVD's online resources.
• Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.