Best Car Insurance in Montana 2025[Find the Top 10 Companies Here]

Top Pick in Montana: Farmers

3,072 reviews

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4.3

Company Facts

Full Coverage in Montana

$164/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Specialized add-ons like roadside assistance and loss of use protection
• High NAIC rating with fewer-than-average complaints
• Discounts for safe drivers and bundling policies
• User-friendly mobile app for claims
• Wide range of coverage options

• Higher rates for teen drivers
• Not available in every state
• Lower customer satisfaction rating from BBB
• Limited availability of discounts depending on state

» Farmers Car Insurance Review

3,072 reviews

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Best Coverage in Montana: Allstate

11,638 reviews

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3.8

Company Facts

Full Coverage in Montana

$154/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

• Multiple add-on coverages
• Strong financial stability
• Widespread availability

• High number of customer complaints
• Expensive car insurance rates

» Allstate Car Insurance Review

11,638 reviews

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Best Rates in Montana: Progressive

13,283 reviews

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4.4

Company Facts

Full Coverage in Montana

$171/mo

A.M. Best Rating

A+

Complaint Level

Med

Pros & Cons

• Affordable Rates for Most Drivers
• Robust Digital Tools
• UBI Program Snapshot
• Generous Discounts

• Low Customer Loyalty
• Unexpected Rate Increases
• Snapshot Can Increase Rates

» Progressive Car Insurance Review

13,283 reviews

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Farmers, Allstate, and Progressive offer the best car insurance in Montana due to their strong customer satisfaction, competitive pricing, and standout features.

Farmers provides valuable bundling discounts, Allstate offers superior claims handling and roadside assistance, and Progressive is ideal for high-risk drivers with its Snapshot® usage-based program.

Our Top 10 Company Picks: Best Car Insurance in Montana

This guide breaks down everything Montana drivers need to know, including how state minimum requirements affect your policy, tips for getting coverage in rural areas, and ways to save if you’re a young or senior driver. It also covers average rates by city, driving history, and credit score, along with insights into Montana’s at-fault accident laws.

The best way to secure the best car insurance in Montana is to compare multiple quotes to make sure you’re getting the best value for your needs. Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.

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#1 – Farmers: Top Pick Overall 

Pros

• Outstanding Customer Service: Farmers provides personalized support through local agents and 24/7 claims assistance. Read more in our Farmers car insurance review.
• Wide Coverage Options: Farmers offers flexible coverage for Montana drivers, including rideshare coverage, new car replacement, and OEM parts replacement.
• Accident Forgiveness: Farmers’ accident forgiveness helps Montanans avoid rate increases after their first at-fault accident.

Cons

• Higher Premiums: Farmers may not be the cheapest option for car insurance in Montana, as their rates are often higher than those of competitors.
• Limited Discounts: Compared to other insurers, Farmers offers fewer discounts for Montana residents, limiting savings potential.

#2 – Allstate: Best for Detailed Coverage

Pros

• Large Discounts: Allstate offers safe driver and good student discounts that can help lower your premium. Read more in our Allstate car insurance review.
• Local Agents: Allstate has a strong network of local agents in Montana, offering personalized support and coverage advice.
• Claim Satisfaction Guarantee: Allstate offers refunds to Montana drivers who are dissatisfied with their claims experience.

Cons

• Higher Rates: Allstate’s premiums are higher than some competitors, which may not suit budget-conscious drivers in Montana.
• Mixed Satisfaction: Some Montana customers report inconsistent claims experiences and service quality.

#3 – Progressive: Best for Coverage Options

Pros

• Affordable Rates: Progressive offers competitive pricing, especially for high-risk drivers. See more in our full Progressive review.
• Snapshot Program: Progressive’s Snapshot rewards safe Montana drivers with discounts based on driving habits, helping reduce premiums.
• Robust Digital Tools: Progressive’s user-friendly mobile app and online platform allow Montana drivers to manage their policies, make payments, and file claims efficiently.

Cons

• Claims Issues: Some Montana drivers report delays and poor communication in Progressive’s claims process.
• High Rates for Some Drivers: Progressive may not offer the most competitive rates for low-risk Montana drivers, who might find cheaper premiums with other insurance providers.

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#4 – American Family: Best for Loyalty Savings

Pros

• Personalized Service: American Family is recognized for its excellent customer support, provided through a local agent network. Learn more in our American Family review.
• Custom Coverage: American Family offers flexible policy options tailored to the unique needs of Montana drivers in both rural and urban areas.
• Safe Driving Program: With the KnowYourDrive program, safe Montana drivers can earn discounts for good driving habits, making it easier to lower their car insurance premiums.

Cons

• Restricted Availability: American Family isn’t available in every state, which may limit its accessibility for some Montana drivers relocating outside the region.
• Higher Premiums: American Family may charge higher rates for Montana drivers with poor credit or high-risk profiles, which can limit affordability.

#5 – Travelers: Best for Unique Coverage

Pros

• Competitive prices: Travelers is known for offering affordable car insurance in Montana, especially for drivers with clean driving records. Learn more by reading our review of Travelers.
• Numerous Coverage Choices: Travelers offers customizable coverage options, including collision and comprehensive coverage, tailored to the needs of Montana drivers.
• Homeowner Discounts: Montana homeowners can save by bundling car and home insurance policies with Travelers.

Cons

• Claims Satisfaction Below Average: Some Montana customers have reported issues with Travelers’ claims process, including delays and poor communication.
• Limited Support for Local Agents: Montana drivers may find less personalized support from local agents compared to other providers, due to a strong focus on digital tools.

#6 – Nationwide: Best for Accident Forgiveness

Pros

• Variety of Coverage: Nationwide offers a diverse range of coverage options, including vanishing deductibles and accident forgiveness. See our Nationwide car insurance review for details.
• On Your Side Review: Nationwide offers Montana customers annual policy reviews, ensuring competitive pricing and coverage tailored to their specific needs.
• Financial Stability: Nationwide’s strong financial health provides Montana drivers with confidence in reliable claim payouts and policy stability

Cons

• Availability: Nationwide, except in certain areas of Montana, where it may not be available, potentially limiting its reach for some customers.
• Claims Processing: Some Montana customers have reported delays in claims processing, which can cause frustration when prompt service is needed.

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#7 – State Farm: Best for Financial Strength

Pros

• Outstanding Customer Attention: State Farm’s extensive local agent network provides personalized service. Read more in our full State Farm review.
• Competitive Rates: State Farm is known for offering some of the most affordable rates for Montana drivers, making it a popular option for budget-conscious consumers.
• Strong Financial Strength: With solid financial stability, State Farm ensures Montana customers experience reliable and timely claims processing.

Cons

• Restricted Discounts: State Farm offers fewer discount opportunities compared to competitors, which may limit the total potential savings for Montana drivers.
• Average Digital Tools: The user experience on State Farm’s website and mobile app could be improved for more seamless policy management and claims handling.

#8 – Geico: Employee Discount

Pros

• Low rates: Geico is widely recognized for offering some of the most affordable rates in the market. Learn more about Geico’s rates in our Geico car insurance company review.
• Strong Web Presence: Geico’s intuitive website and mobile app offer Montana drivers easy access to manage policies conveniently.
• Extensive Discounts: Geico offers a variety of discounts tailored to Montana drivers, including multi-policy, safe driver, and military discounts, helping reduce premiums.

Cons

• Higher Rates for High-Risk Drivers: Montanans with accidents or poor credit may face higher premiums compared to other insurers.
• Limited Agent Network: Geico’s reliance on digital platforms limits access to personalized local agent support for drivers in Montana.

#9 – Liberty Mutual: Best for Customizable Policies

Pros

• Flexible Policies: Liberty Mutual offers options like new car replacement and accident forgiveness for Montana drivers. Learn more in our Liberty Mutual review.
• Many Discounts: Liberty Mutual offers various discounts for Montana drivers, including student, military, and multi-policy savings.
• Robust Digital Tools: Montana drivers can benefit from Liberty Mutual’s user-friendly mobile app, which enables easy policy management and seamless claim submission.

Cons

• Conflicting Claims Reviews: A few Montana policyholders have expressed dissatisfaction with the claims process, citing delays or a lack of communication.
• Limited Agent Support: Liberty Mutual’s reliance on digital platforms may limit Montana drivers’ access to personalized local agent support.

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#10 – USAA: Best for Military Savings

Pros

• Military Exclusive: USAA offers customized policies and exclusive discounts for military members, veterans, and their families. Learn more in our USAA car insurance review.
• Outstanding Customer Satisfaction: USAA is praised for its exceptional claims handling and top-tier customer service, making it a reliable option for Montana’s military families.
• Low Premiums: USAA car insurance provides affordable rates for military members and their families in Montana, helping them save on car insurance.

Cons

• Restricted Access: USAA is only available to active military members, veterans, and their families, limiting its availability to the general public in Montana.
• Digital Focus: USAA relies heavily on digital platforms for policy management, which may not appeal to drivers in Montana who prefer in-person service.

MT’s Average Monthly Car Insurance Rates (Liability, Collision, Comprehensive)

According to the National Association of Insurance Commissioners (NAIC), he table below shows core coverage costs for Montana citizens. These figures reflect standard pricing across coverage levels and providers, enabling you to understand the average car insurance costs in Montana.

The table below, from the National Association of Insurance Commissioners, displays the average core coverage costs in Montana, enabling drivers to understand standard pricing across providers.

Montana Car Insurance Monthly Rates by Provider & Coverage Level

Montana’s average car insurance cost serves as a benchmark to help drivers select the appropriate level of coverage for their specific needs.

Premiums as a Percentage of Income

Per capita disposable income affects car insurance premiums. Here’s what it means and how it impacts your rates.

Disposable income is post-tax earnings. Per capita disposable income is the average post-tax income for individuals within a population, such as Montana residents.

Montana’s average disposable income is $36,041, and the annual cost of full coverage car insurance is $868.55, which is 2.41% of the average income. State law requires minimum liability coverage.

More: How much insurance do I need for my car?

Average Monthly Car Insurance Rates by Age & Gender in MT

Demographic data from Montana shows that men and women pay equal car insurance rates.

Key rate factors include age, driving experience, and age-based discounts offered by leading providers.

Highest and Lowest Rates by ZIP Code in Montana

ZIP codes influence Montana car insurance rates through factors related to traffic and crime. Compare your ZIP code’s average rates and see which insurers locals recommend.

Discover the highest and lowest car insurance rates by city in Montana.

Compare car insurance rates by city in Montana. Find the most affordable coverage by comparing prices from top providers using online tools.

Montana’s Car Insurance Rates by Company

The table below shows the average insurance rates from the top car insurance providers in the state.

Compare car insurance quotes, bundle policies, maintain a clean driving record, and use discounts to lower your premiums.

Commute Rates by Company

Six major factors affect car insurance rates in Montana.

Which factors most affect car insurance rates? The table above shows average rates from the top providers in the state.”

Coverage Level Rates by Company

Explore coverage level rates by company to find the best option for your budget. The table highlights top insurers offering reliable and affordable coverage in Montana.

Learn more about the different types of car insurance coverage.

Credit History Rates by Company

Learn how your credit history affects rates from different companies.

Top insurers adjust premiums based on credit scores. Poor credit, violations, and claims can increase costs.

Read more: Things You Do That Can Raise Your Premiums

Driving Record Rates by Company

See how driving records impact rates

Clean records often result in lower rates, while violations or accidents can lead to higher premiums.

Discount Options for the Best Car Insurance in Montana

By promoting safe driving, bundling policies, and maintaining good credit, Montana’s top car insurance providers offer discounts, helping drivers save on premiums.

Car Insurance Discounts From the Top Providers in Montana

Insurance Company	Available Discounts
	Safe Driver, Multi-Policy, Multi-Car, New Car, Smart Student, TeenSmart Driver, Early Signing, Responsible Payer, Drivewise (usage-based)
	Safe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Steer Into Savings (switching provider), Loyalty, TeenSafe Driver, Low Mileage, Defensive Driver
	Safe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Distant Student, Alternative Fuel Vehicle, Signal (usage-based), Anti-Theft
	Safe Driver, Multi-Policy, Multi-Car, Good Student, Military, Federal Employee, Emergency Deployment, Defensive Driver, New Vehicle, Anti-Theft, DriveEasy (usage-based)
	Safe Driver, Multi-Policy, Multi-Car, Anti-Theft, Hybrid Vehicle, Good Student, Military, Homeowner, RightTrack (usage-based), Early Shopper
	Safe Driver, Multi-Policy, Multi-Car, Defensive Driving, Good Student, SmartRide (usage-based), SmartMiles (pay-per-mile), Affinity Member, Accident-Free
	Safe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Continuous Insurance, Online Quote, Snapshot (usage-based), Teen Driver
	Safe Driver, Multi-Policy, Multi-Car, Good Student, Safe Vehicle, Steer Clear (young drivers), Drive Safe & Save (usage-based), Anti-Theft
	Safe Driver, Multi-Policy, Multi-Car, Good Student, Homeowner, Hybrid Vehicle, New Car, Pay-in-Full, Continuous Insurance, IntelliDrive (usage-based)
	Safe Driver, Multi-Policy, Multi-Car, Good Student, Military, Loyalty, New Car, Anti-Theft, Low Mileage, Defensive Driver, Family Discount, Stored Vehicle

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They also offer discounts for anti-theft devices, safety features, and low mileage. Drivers can save while ensuring they meet state coverage requirements.

Read more: How to Lower Your Car Insurance Costs 

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Minimum Coverage Requirements for the Best Car Insurance in Montana

Farmers, Allstate, and Progressive offer top car insurance in Montana, with rates ranging from $154 to $171 per month. Compare coverage and find ways to save.

Montana is an at-fault state, meaning the driver who causes an accident is financially responsible. Choosing coverage from the best car insurance companies helps protect you from costly out-of-pocket expenses if you’re at fault. Without proper coverage, you could face significant financial liability.

Montana requires a minimum liability coverage of 25/50/20, which includes:

• $25,000 for injury or death of one person in an accident you cause
• $50,000 for total injuries or deaths of multiple people
• $20,000 for property damage

These are the state minimums, but higher limits or additional coverage can offer better financial protection.

Forms of Financial Responsibility

Montana law requires drivers to carry a minimum level of liability insurance and maintain proof of financial responsibility, such as a valid insurance identification card.

Montana has a web-based verification system (MTIVS), so citizens don’t need to carry physical proof of insurance while driving.

If you’re pulled over, law enforcement can access MTIVS to verify your minimum liability insurance.

This does not apply to out-of-state drivers, who must carry physical proof of financial responsibility (e.g., insurance ID card or policy copy).

Driving without minimum insurance coverage results in a misdemeanor charge.

This misdemeanor, even for a first offense, carries a fine of $250 to $500 and up to 10 days in jail. To avoid this, ensure you have at least the minimum insurance coverage in Montana. Additionally, consider bundling policies, maintaining a clean driving record, and utilizing available discounts to reduce your car insurance costs.

Additional Coverage

Additional coverage includes Med Pay and Uninsured/Underinsured Motorist coverage.

How do the states rank on uninsured drivers? Uninsured motorist coverage protects you if the other driver has no insurance. It’s optional in Montana but highly recommended.

Montana’s uninsured motorist rate is 9.90%, ranking 33rd in the U.S., emphasizing the need for added liability protection.

The table above shows loss ratios for add‑on coverages. Balanced ratios indicate fair pricing; ratios too low or too high signal overcharging or premium hikes. Med Pay and U/UIM maintain solid ratios.

Add-ons, Endorsements, and Riders

When searching for the best car insurance in Montana, many prioritize affordability.

Cheap extra coverage options may be available, providing more protection at lower costs. Check below for options your provider may offer to save while staying covered:

• GAP
• PUP
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance

Add-ons, endorsements, and riders offer additional protection.

Read More: Where can I get cheap full coverage car insurance?

How State Laws for Insurance Are Determined

State insurance laws shape your coverage options. Knowing Montana’s laws helps you choose the best car insurance companies for legal compliance.

 Regarding rate filings, rates must be filed prior to use with supporting data. Regarding form filings, see MCA § 33-1-501.

High-Risk Insurance

Drivers with poor driving records often struggle to obtain coverage, as many Montana insurers deny coverage to high-risk applicants. Explore available options for high-risk car insurance.

Montana offers the Montana Automobile Insurance Plan (MAIP) for high-risk drivers unable to secure voluntary coverage. This plan ensures they still have access to insurance.

All providers in Montana are required to participate in the Montana All-Payer Initiative Program (MAIP). Once accepted, you are assigned a provider who must offer at least the minimum coverage; however, they can set the rates as they see fit.

Securing car insurance in Montana requires more than price—high-risk drivers should understand options like the MAIP.

Aaron Englard Insurance Premium Auditor

It’s recommended to use the MAIP only if no other options are available. Using it to find the lowest rate may actually lead to higher costs.

This high-risk insurance plan is part of the Western Association of Automobile Insurance Plans (WAAIP), a group of states offering similar coverage.

Windshield Coverage

Windshield coverage can be useful, but it is not required in most states, including Montana, which has no specific laws regarding it. (For more details, check our “Does Progressive cover windshield replacement?“).

To add this coverage to your plan, you must have comprehensive coverage.

Best Car Insurance Companies in Montana

Montana’s top 10 largest car insurance providers compete for your business. This section highlights their financial ratings, complaint history, and rates. Utilize online comparison tools to quickly find the best available rates.

The Largest Companies’ Financial Rating

An A.M. Best rating offers a clear view of a company’s financial health, much like how a loss ratio indicates its financial stability.

A higher rating indicates better financial health, which is important when selecting the best car insurance companies.

Companies With Best Ratings

J.D. Power conducted a study comparing customer satisfaction ratings across all regions in the nation and ranking them by region.

Montana is in the northwest region.

Companies With the Most Complaints in Montana

Some top-rated Montana insurers also have high complaint counts; here are the companies with the most grievances.

If you’re unhappy with your insurer, our guide can help you find a better option.

Largest Car Insurance Companies in Montana

Explore the largest car insurance companies in Montana by market share, known for reliable coverage and service. See which insurers dominate the state’s market.

Compare Montana’s largest car insurance companies by market share. These top providers offer reliable coverage and strong service across the state.

Data is sourced from the NAIC.

Number of Insurers by State

Insurance companies can be categorized into two types: foreign and domestic. Understanding the difference helps you select the appropriate coverage for your car.

• Domestic Provider: An insurer operating only within the state where it offers coverage, often smaller or local.
• Foreign Provider: An insurer operating in multiple states, such as Allstate or Geico.

The table below shows the number of domestic and foreign insurers in Montana.

The best car insurance in Montana varies depending on the provider, individual coverage needs, and state regulations.

Montana State Laws You Need to Know

Montana’s car insurance laws differ from those of other states. Familiarize yourself with these rules to ensure compliance, avoid penalties, and understand how coverage works.

Car Insurance Fraud in Montana

According to the Insurance Information Institute (III), property and casualty fraud results in an annual loss of approximately $30 billion. This type of fraud is considered a criminal offense across the United States.

Insurance fraud occurs when an individual deceives an insurer to receive benefits or payments they’re not entitled to. This can increase car insurance costs for everyone, impacting your average monthly premium.

Insurance fraud includes knowingly misrepresenting or hiding facts, aiding someone’s deception, or filing false claims.

Penalties:

• Class B felony (value > $20,000): up to 10 years in prison and/or $25,000 fine
• Class C felony (value > $300): up to 5 years in prison and/or $10,000 fine
• Misdemeanor (value ≤ $300): up to 1 year jail and/or $2,000 fine

Always carry valid coverage and comply with state law.

Statute of Limitations

The statute of limitations is the deadline to file a claim or lawsuit after an accident.

This deadline protects both parties. Understanding how to file a claim ensures you don’t miss your opportunity for legal action or compensation.

In Montana, you have three years to file a personal injury claim and two years to file a property damage claim.

Montana law outlines nine exceptions to this limitation. File your claims within the allowed timeframe to stay compliant.

Montana’s Vehicle Licensing Laws

Just as car insurance laws exist, vehicle licensing laws do, too. Let’s review some major laws you should be aware of in Montana, including fines for driving without a license.

Penalties for Driving Without Insurance

If you’re caught without insurance in Montana, the state’s web-based system can detect it, leading to penalties.

• First Offense – $250–$500 fine and/or up to 10 days in jail
• Second Offense – $350 fine and/or up to 10 days in jail; if within five years, license and registration are revoked until proof of insurance and fees are submitted within 90 days

You need insurance to avoid significant penalties in Montana, such as fines, license suspension, or vehicle impoundment. Securing the best car insurance ensures you’re protected with reliable coverage while driving.

Teen Driver Laws

Ensure your teen complies with Montana’s insurance laws before they start driving.

Teen drivers are high-risk, and failing to meet insurance requirements can result in fines, suspension, and long-term financial consequences.

License Renewal Procedures

In Montana, drivers are required to renew their licenses every eight years. Failure to renew on time can result in penalties, including fines.

License Renewal Procedures	General population	Older population
License renewal cycle	every 8 years	every 4 years for people 75 and older
Mail or online renewal permitted	both, every other renewal	both, every other renewal
Proof of adequate vision	every renewal	every renewal

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You may receive a ticket for driving without a valid license, so keep your license up to date to avoid legal trouble.

New Residents

If you are new to Montana, there are a few things you’ll want to be aware of:

• Apply for a Montana driver’s license within 60 days of establishing residency.
• Visit the Montana DMV to get your new driver’s license.
• You may need to pass a written, road, and vision test, unless waived, if you have a valid license from another state.

Negligent Operator Treatment System (NOTS)

Montana follows comparative negligence in driving accidents. If you’re in an accident, fault is determined, and if the other driver is at least 51% responsible, they must pay damages. If you’re 51% or more at fault, the case won’t proceed.

If you’re found 10% at fault, the other driver will pay damages, but 10% will be deducted from your settlement. For example, if you seek $1,000, you’ll receive $900.

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Rules of the Road

Know the road rules before driving. They help ensure safety, prevent damage, and protect your insurance. Follow them and carry proper coverage to stay compliant.

Fault vs. No-Fault

Montana is an “at-fault accident” state, meaning you are responsible for paying if you are at fault. Minimum liability coverage may leave you facing significant financial challenges in the event of a serious accident.

Keep Right and Move Over Laws

Keep Right laws require slower traffic to stay in the right lane, with four exceptions. Move Over laws require changing lanes when passing emergency or stopped vehicles. Following these rules supports safety and potentially lowers your insurance rates.

Speed Limits

Montana speed limits are as follows:

• Rural Interstates: 80 mph
• Urban Interstates: 65 mph
• Limited Access Roads: 70 mph
• Other Roads: 65 mph

Speeding violations can raise your insurance rates. Keeping within the speed limit not only improves safety but also helps maintain lower premiums.

Seatbelt and Car Seat Laws

Montana law requires children five years old or younger, or weighing less than 60 pounds, to be in a child safety seat. Vehicle insurance is essential for protecting you and your passengers in the event of an accident. Children six years and older, weighing more than 60 pounds, can sit in adult seats but must wear seatbelts.

Anyone caught not following this rule will face a base fine of $100, plus additional fees. Taking a defensive driving course can help lower insurance rates and improve driving skills to avoid costly penalties.

Read More: How Your Children Will Impact Your Car Insurance Policy

Ridesharing

Ridesharing services, such as Uber and Lyft, have gained popularity, offering flexible work options for drivers.

While Montana’s rural nature means these services are less common than in more densely populated states, they still operate, with companies like Farmers offering rideshare insurance for drivers seeking additional coverage.

Read More: Rideshare Insurance Coverage

Automation on the Road

The Insurance Institute for Highway Safety (IIHS) defines automated driving as:

Automation refers to the use of technology or machines to perform tasks that were once done by humans. In driving, it involves using radar, cameras, and other sensors to gather information about the vehicle’s surroundings, which is then processed by computer programs to handle parts or all of the driving tasks continuously.

Montana currently has no laws or restrictions regarding automated driving.

Safety Laws

DUI Laws

Montana’s DUI laws result in fines, license suspension, and potential jail time for offenders.

High-risk drivers can find coverage by understanding car insurance and exploring options for necessary coverage despite their driving record.

Marijuana-Impaired Driving Laws

Montana’s strict DUI laws set a THC limit of five nanograms per milliliter of blood. Violations result in fines, license suspension, and penalties for driving without insurance.

Distracted Driving Laws

Montana is one of the few states without laws banning the use of handheld devices while driving, according to the IIHS. However, some cities and counties have their own bans. Check the map below for details.

In this final section, we’ll cover essential facts and statistics, including the impact of distracted driving on your driving record and insurance rates.

Vehicle Theft Rates in Montana

One of the most upsetting things that can happen to your vehicle is theft.

Make/Model	Year	Number of Thefts
Chevrolet Pickup (Full Size)	1999	165
Ford Pickup (Full Size)	1995	145
Dodge Pickup (Full Size)	2006	78
GMC Pickup (Full Size)	2008	55
Honda Accord	1994	52
Chevrolet Impala	2001	31
Ford Explorer	1996	27
Chevrolet Pickup (Small Size)	1995	24
Toyota Camry	2015	23
Ford Pickup (Small Size)	2000	22

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Based on an FBI study in Montana, we have compiled a list of the most frequently stolen vehicles in the state, along with the number of thefts by city.

Fatal Crashes in Montana

Here are road danger statistics for Montana, according to the NHTSA Crash Report.

Read more: 10 Worst States for Daylight Saving Time Fatal Crashes (New Study)

Understand Accident Preparedness: Be prepared for the worst and know how liability car insurance works. It covers damages or injuries you cause to others in an accident.

Fatal Crashes by Weather Condition and Light Condition

Traffic Fatalities

Fatalities by Person Type

Fatalities by Crash Type

Five-Year Trend For The Top 10 Counties

Fatalities Involving Speeding by County

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

Teen Drinking and Driving

EMS Response Time

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Transportation Situation in Montana

Keep reading for facts and statistics on transportation in Montana, along with insights on the best car insurance companies to meet your needs.

Car Ownership

According to Data USA, the average number of vehicles owned per household in Montana is two cars.

Most households maintain at least one backup vehicle.

Commute Time

Montanans will be relieved to know that, according to Data USA, the average Montanan spends only 16.9 minutes commuting to work.

Considering the national average of 25.5 minutes, this is a positive development.

Commuter Transportation

How do you prefer to commute? Do you like carpooling with some of your coworkers? Maybe you prefer to take some form of public transit? (For more information, read our “Carpooling: Saving Time, Money, and the Planet“).

Well, the citizens of Montana seem to prefer driving alone to work, at a whopping 76.5 percent.

Traffic Congestion

Well, aren’t Montana citizens in for a treat? Not only is traffic not considered a major concern in Montana, but it has also managed to avoid being ranked in the top 10 by INRIX Scorecard, TomTom, and Numbeo for traffic congestion.

This is a positive development because no cities in Montana have high enough congestion to appear on any of these lists.

Now that you know the top companies, compare rates from providers like Farmers, Allstate, and Progressive to secure the best car insurance in Montana that fits your budget and coverage needs. Compare rates using our free online tool below by entering your ZIP code.