Montana Auto Insurance Rates
Median premium: $792/6mo across 9 carriers and 404 ZIP codes.
Premiums range from $637 to $1,764 — a 2.8x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$792
per 6 months
ZIP Codes
404
with rate data
Carriers
9
rated in MT
Price Spread
2.8x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $518 | 404 ZIPs | 100% | |
| 2 | Allstate | $525 | 0 ZIPs | 0% | |
| 3 | Progressive | $756 | 0 ZIPs | 0% | |
| 4 | Farmers | $778 | 0 ZIPs | 0% | |
| 5 | Nationwide | $792 | 0 ZIPs | 0% | |
| 6 | Travelers | $806 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $828 | 0 ZIPs | 0% | |
| 8 | State Farm | $915 | 0 ZIPs | 0% | |
| 9 | GEICO | $1,228 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Montana
| City | Avg Median | ZIPs |
|---|---|---|
| Absarokee | $637 | 1 |
| Acton | $637 | 1 |
| Ashland | $637 | 2 |
| Ballantine | $637 | 1 |
| Bearcreek | $637 | 1 |
Most Expensive Cities in Montana
| City | Avg Median | ZIPs |
|---|---|---|
| Billings | $1,138 | 14 |
| Laurel | $1,138 | 1 |
| Huntley | $1,138 | 1 |
| Ramsay | $1,029 | 1 |
| Melrose | $1,029 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,138/6mo
59117 (Billings)
Cheapest ZIP
$637/6mo
59001 (Absarokee)
2.8x
Price Spread
The most expensive ZIP in Montana costs 2.8x more than the cheapest. Your ZIP code matters more than you think.
Montana Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Montana
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Access ZIP-level rate data across all 9 carriers, 404 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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