Montana Insurance Agencies by County

How to Lower Your Car Insurance in Montana (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Montana? Whether you’re commuting in Billings, driving in Missoula or Bozeman, or traveling long rural highways and mountain passes, there are smart ways to keep premiums down. This overview explains how Montana insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Montana Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Credit score – Montana allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Rates can vary by county/city based on claim frequency and theft risk.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Montana

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Montana Minimum Auto Insurance Requirements

Montana generally requires at least 25/50/20 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage per accident. Many drivers choose higher limits for better protection.

Wildlife, Winter Roads, and Comprehensive Coverage

Montana drivers often deal with deer/elk collisions, snow/ice, and storm-related damage. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and animal impacts.

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.