Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 5, 2020

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Shopping around for car insurance in Montana can save you many hundreds of dollars, but only when you know how to interpret the conditions of the insurance. The reason it is so important to read between the lines is that car insurance companies offer a variety of products to many different pools of customers.Top 10 Montana Car Insurance Companies

The state minimum car insurance requirements for coverage is liability with $25,000 per injured party. Never drive without liability coverage in Montana.

Table of Contents

How to Shop for Car Insurance

Insurance companies do not have a one size insurance product for all needs. They do not know what is most important to any given consumer, despite the illusion that sometimes happens as a side-effect of making a really good educated guess.

Despite this fact, many customers expect that the insurance company they are researching will know what is most important to them.

  • Insurance coverage vs. premium cost is a common trade-off.
  • Not everyone has the same idea of what makes a good deal.
  • Always remember to look for special discounts!

The issue of premium costs and the amount of coverage provided for that price is at the top of the list of what customers are concerned about when shopping for a car insurance policy. The relationship between the two is inversely proportionate: As one goes up, the other goes down.

Top 10 Montana Car Insurance Companies

Everyone is dealing with a slightly different situation. For example, young drivers will need different types of car insurance coverage than mature drivers. In addition, a vehicle may be already cheap or expensive to insure.

To make it easier to compare the benefits of one policy over another, consider this top 10 list of Montana car insurance companies as seen through the lens of premium cost vs. coverage:

1. AAA Auto Insurance

Although this company is not known for the most competitive premium rates, the coverage offered is certainly well-known and respected. If comprehensive coverage is the most important aspect of your car insurance policy decision, this is an excellent choice.

2. Hartford Auto Insurance

Since 1810, Hartford has provided affordable car insurance to customers in the area of Montana. The online calculator allows customers to obtain a car insurance estimate that will reflect financial and coverage concerns.

3. Metlife Auto insurance

This Company prefers that potential customers speak with a customer service representative in order to determine the right policy for your needs.

4. Farmers Insurance

This Company offers significant car insurance discounts for many different kinds of drivers, including good students, safety education, safety devices in the vehicle, and more. It is very easy to locate the most relevant categories and obtain a quote based on these specifications.

Whether young or old, mature driver or teen driver, it is easy to get a reliable quote from Farmers Insurance.Car Insurance Companies in Montana

5. Geico Insurance

From emergency breakdown coverage to discounts for drivers, Geico has many attractive offers that often include flexible payment plans. This makes it possible for customers to customize their policy based on their needs.

6. Allstate Insurance

Allstate, like Geico, offers a GDL program or Graduated Driver Licensing for teenage drivers. Allstate also provides a parent-teen driving agreement with the program, which enables parents to introduce their children into the many nuances of driving responsibly.

The company offers several discounts, including switching, safe driving, good student, vehicle safety devices and more. In addition, other insurance services can be bundled, which can increase the potential savings by consolidating insurance under one company.

7. Seborg Insurance Agency

One of the most attractive benefits this company offers is the time-sensitive surcharge rate decrease. In other words, even if you do make a mistake, over time the consequences of it can be diminished by demonstrating a good driving performance record.

Other important offers for Montana drivers include farm vehicles, bundled rates for auto with home or business insurance and more.

8. GMAC Onstar Insurance

This is a joint effort by two companies, GMAC and Onstar Insurance, to provide customers with an option to pay as you drive. This means that customers who do not drive very far each day can take advantage of the offer to pay less in premiums for driving fewer miles.

For example, a driver who puts less than 15,000 miles on the vehicle per year can expect savings as high as 50%.

9. Liberty Mutual

The most important items of information to collect with this company are the previous driving record and risk factors. This company attempts to reward drivers with financial incentives for maintaining a good driving record and avoiding making claims.

Discount offers are extended to students, professional associations, company employees and others. Montana residents enjoy unique benefits from this company.

10. State Farm Insurance

This Company has some controversy over its policies towards customers. They have a blemished record for the low performance in coming through with claims for victims of Hurricane Katrina, and it will probably take many years for them to overcome these decisions.

However, if financial success is a metric that customers care about, this company has a demonstrated ability to maintain a very lucrative bottom line.

Top Montana Car Insurance CompaniesAs you collect information on insurance companies, remember that they often prefer to work with a certain population. Some of the companies will not assume, for example, that older drivers with a clean driving record are more risky to cover just because of their age.

These drivers will want to zero in on the companies that have a policy fee schedule that rewards driving record over the age of the driver.

More Car Insurance Comparison Tips

Never be afraid to ask these direct questions.

You would be surprised how many insurance agents will thank you for providing them with the information they need to give you an accurate quote. Our FREE car insurance quote comparison tool is the best way to get quick, reliable quotes – try it today!

Remember, the number one reason insurance agents cannot direct you to the best policy is because of lack of relevant information, including the customer’s sense of priority.

By doing a little homework, you can find the best provider for your needs. Remember to check the market from time to time as well.

You may find that a company who would not meet your needs in the past has suddenly changed their terms and conditions in your favor!

Always ask them if they have any specials for people who change from one company to another. If you do not find what you need today, then being willing to try again later can often make up the difference. Find out what other car insurance companies have to offer with our FREE ZIP code search now!