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With its vast, wide open spaces, having a vehicle in Montana is pretty much mandatory if you want to go anywhere. From the rustic old towns in the east to the mountainous western half of the state, there’s a lot to discover for anyone with their own car. Of course, if you want to drive there, you’re legally required to get auto insurance. The state of Montana requires the following coverage minimums:

$25,000:$50,000:$20,000:

  • $25,000: For bodily injury or death to one person in any one accident.
  • $50,000: For bodily injury or death to two or more people in any one accident.
  • $20,000: For damage or destruction of other people’s property during an accident.

Montana has also recently set up the Montana Insurance Verification System (MTIVS), which keeps a database of everyone’s auto insurance. This makes life easier for law enforcement officials to verify if someone is insured in situations where they’re unable to find their insurance card.

Since you’re going to need auto insurance, you might as well get one with an affordable policy. The average resident of Montana pays $1,624 annually for auto insurance. There are better deals to be had, however. Here’s a list of the cheapest auto insurance companies for Montana’s five biggest cities:

Billings, MT

Billings is Montana’s largest city and its main economic center. It also has a rich history, dating back to the days of the Lewis and Clark expedition. William Clark’s signature can be found on nearby Pompeys Pillar, which also contains Native American petroglyphs and is now a national monument.

Despite its population, Billings is the third cheapest city in Montana to get auto insurance, with residents paying $1,526 annually. Further discounts can be had as well, with GEICO leading our list of cheap insurance options at $871:

Missoula, MT

  • GEICO
  • Farmers Union
  • Progressive
  • State Farm
  • Allied

Missoula is the state’s second largest city. It’s also located near a lot of scenic nature, such as the Clark Fork River in Caras Park. The surrounding area features an abundance of wildlife, including black bears, bald eagles, osprey, and white-tailed deer.

Missoula stands out as the cheapest place in Montana to get auto insurance, with average rates of $1,413. The following are the cheapest options among them:

Great Falls, MT

  • GEICO
  • Progressive
  • State Farm
  • Farmers Union
  • Allied

Great Falls, the third biggest city in Montana, gets its name from the five waterfalls located nearby that Lewis and Clark had to navigate their way around during a particularly grueling segment of their journey. Finding cheap auto insurance here is a significantly easier task, with average rates being cheaper than the state average. These companies offer the best bang for your buck here:

Bozeman, MT

  • GEICO
  • Progressive
  • State Farm
  • Farmers Union
  • Allied

Bozeman is the state’s fourth largest city. It’s a beautiful college town, home to Montana State University. The scenic nature of this spot hasn’t gone unnoticed, being featured in a number of films including The Wildest Dream, Amazing Grace and Chuck, and A River Runs Through It.

Auto insurance rates here are very reasonable, with people paying a yearly average of $1,540. For even better rates, you can look into the following companies:

Butte, MT

  • GEICO
  • Progressive
  • State Farm
  • Farmers Union
  • Allied

Butte, the state’s fifth largest city, actually used to be one of the largest cities in the entire Rocky Mountain area during the late 1800’s and early 1900’s. While the population declined following the end of World War I, a healthy community still remains there today. Auto insurance prices are a little on the high side at $1,693 per year on average, but you can get some savings with these companies:

  • GEICO
  • Progressive
  • Farmers Union
  • State Farm
  • Allied