Montana Car Insurance

In Montana, whether you’re driving your truck out to the Blackfoot River for a day of fly fishing or heading into work in Billings in your SUV, a Farmers® Smart Plan Auto policy offers new coverage options designed for how you drive today. Discounts can help make coverage even more affordable.

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What is the average cost of car insurance in Montana?

Montana drivers paid an average of $1,030 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Montana?

A car insurance policy with a minimum amount of liability coverage is required in Montana. However, minimum coverage may not be the full extent of coverage you want.

As of February 2023, 25/50/20 liability coverage limits are the minimum required in Montana.



Bodily injury liability

$25,000 per person; $50,000 per accident

Property damage liability

$20,000 per accident


Bodily injury liability


$25,000 per person; $50,000 per accident


Property damage liability


$20,000 per accident

What does car insurance typically cover in Montana?

A typical car insurance policy in Montana includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Montana car insurance discounts

Farmers offers a variety of discounts for drivers in Montana. For example:

  • Multi-vehicle 
  • Multi-policy  
  • Youthful driver 

See more information about additional discounts that may be available in Montana.

Yellowstone National Park

Yellowstone National Park image

The first national park in the U.S. spreads across three states and contains more than half of the world’s active geysers. — National Park Service

More coverage options in Montana

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Montana home insurance

Learn more about what home insurance in Montana covers, available discounts and more.

View home insurance coverage details and discounts for Montana

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Montana renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

View renters insurance details and discounts for Montana

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