Car Insurance in Missoula, MT

Driving in Missoula offers a unique mix of urban streets, winding mountain roads, and scenic rural highways. With such diverse terrain, having the right car insurance is essential. GEICO provides affordable, personalized coverage options to meet the needs of Missoula drivers. Whether you’re navigating downtown Missoula, cruising along the Bitterroot Valley, or heading toward Glacier National Park, GEICO ensures you’re protected on the road.

Get a Car Insurance Quote in Missoula, MT

With GEICO’s free online quote tool, you can compare policy options in minutes and tailor your coverage to your driving habits, vehicle type, and budget.

Explore coverage limits, optional add-ons, and available discounts without needing to call. Whether you’re commuting through Missoula’s city streets or traveling scenic routes in western Montana, GEICO helps you build a policy that fits your lifestyle.

Minimum Car Insurance Requirements in Missoula, MT

Montana requires drivers to carry minimum liability coverage to legally operate a vehicle. These Bodily Injury Liability and Property Damage Liability coverages help protect other people and their property if you’re at fault in an accident.

Uninsured or Underinsured Motorist coverage offers protection in the event you are in an accident with a driver that does not have insurance.

Coverage Type Montana Minimum Limit
Bodily Injury Liability $25,000 per person/$50,000 per accident
Property Damage Liability $20,000 per accident
Uninsured & Underinsured Motorist* $25,000 per person/$50,000 per accident

*Coverage can be rejected in writing

These are the state’s required minimums, but many Missoula drivers choose to increase their coverage to provide added protection and peace of mind. GEICO makes it easy to tailor your policy to meet both legal requirements and personal preferences.

Auto Insurance Coverages in Missoula, MT

GEICO offers a variety of auto insurance options that protect you in many different situations. From a minor fender-bender to damage caused by Missoula’s unpredictable weather, the right mix of coverage can make all the difference.

Liability Coverage

Liability coverage helps pay for injuries or property damage you cause in an accident. GEICO offers flexible options that let you raise your limits for added protection if needed.

Collision & Comprehensive

  • Collision insurance: Pays to repair your vehicle if it’s damaged in a collision with another car or object, regardless of who is at fault.
  • Comprehensive coverage: Pays for damage from non-collision events like theft, vandalism, fire, animal impacts, and weather-related incidents such as hail, wind, and flooding.

Together, they provide a broader range of protection.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage provides protection in the event you're in an accident with a driver who has no insurance. On the other hand, Underinsured Motorist Coverage safeguards you if you're in an accident with a driver whose insurance isn’t sufficient to cover the damages.

Missoula, MT Car Insurance Discounts

GEICO makes it easy to save on car insurance in Missoula with a variety of discounts. Whether you’re a safe driver, a student, or in the military, there are plenty of opportunities to lower your premium.

  • Good Driver: Drivers with a clean record and no recent violations may be eligible for discounted premiums.
  • Good Student: Students with strong academic records could qualify for lower rates.
  • Military: GEICO appreciates your service and provides a discount for eligible members of the military.
  • Paid in Full Discount: Customers who pay their policy premium in full at the time of purchase will save on installment fees and are eligible for a discount.
  • Early Shopper Discount: You can get an extra discount for being extra prepared. If you get a new policy from GEICO before your existing policy expires, you may qualify for a discount. The more in advance you buy, the higher the discount you could get.
  • Paperless Discount: In addition to getting your bill and paperwork faster and more conveniently, going paperless could get you a serious discount on your premiums too.
  • Auto Pay Discount: Sometimes it pays to choose convenience. Sign up for Auto Pay and you could get a discount on your policy, and you will not have to remember to pay your premium every month either.
  • DriveEasy®: GEICO’s app-based program tracks your driving behavior and rewards safe driving with potential discounts.

How Much Does Car Insurance Cost in Montana?

A minimum liability policy in Missoula generally costs less than the national average, but premiums can vary widely depending on factors like location, driving history, vehicle type, and the coverage options you choose. Use GEICO’s coverage calculator for more guidance on what coverage options may best fit your needs.

Optional Car Insurance Coverages and Add-Ons

GEICO offers several optional add-ons to provide extra convenience and peace of mind for Missoula drivers. These additional coverages are useful in many situations and can be added to your policy at any time.

Get a Free Missoula Car Insurance Quote Today!

Car insurance in Missoula is just a few clicks away. With GEICO, you can get a free online quote, compare coverage options, and find discounts that fit your needs and driving habits. Prefer personal help? You can also connect with a GEICO insurance specialist by calling (800) 241-8098 or using the GEICO Mobile app.

Please note:

DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details are presented during your quote.

It’s important to keep in mind that discounts can vary by state and policy details. You can explore all available discounts on GEICO’s car insurance discounts page.