CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and State Farm offer the lowest state minimum car insurance rates in Missoula, with yearly premiums of $290 and $318, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Missoula can save an average of $1,593 per year on full coverage car insurance.
- Drivers in Missoula with a speeding ticket can find the cheapest full coverage car insurance with State Farm, at an average annual cost of $1,839.
- State Farm stands out as an affordable option for drivers with a DUI in Missoula, with average full coverage cost of $1,839 per year.
Based on a detailed data analysis, Nationwide, State Farm, and Kemper are the insurers that offer cheap full coverage car insurance rates for drivers in Missoula, Montana.
In Missoula, an adult with a clean driving record and good insurance score typically pays $429 per year for a state minimum car insurance policy and expect to pay $2,175 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Missoula.
Who offers the cheapest car insurance rates in Missoula, Montana?
GEICO offers cheap car insurance rates in Missoula at an average annual cost of $290 or $24 per month for state minimum coverage. On the other hand, Nationwide has the most affordable full coverage car insurance rates at $135 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Missoula drivers.
| Insurance company | Annual premium |
|---|---|
| Nationwide | $1,615 |
| State Farm | $1,730 |
| Kemper | $2,252 |
| GEICO | $2,263 |
| Progressive | $2,351 |
| Farmers | $2,838 |
| Allstate | $3,208 |
| USAA | $1,146 |
Average car insurance rates in Missoula
According to our rate analysis, state minimum coverage in Missoula costs an average of $429 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $20 and your yearly premium by $234.
For full coverage (100/300/100with $500 collision and comprehensive deductibles), you can expect to pay $146 more per month or $1,746 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State minimum | $429 |
| Liability only (50/100/50) | $663 |
| Full coverage (100/300/100, $500 ded.) | $2,175 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $2,486 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $1,879 |
| Non-owners | $356 |
Cheapest rates for drivers in Missoula, Montana, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | State Farm | $5,041 |
| Young adults (20-24) | State Farm | $2,333 |
| Adults (25-60) | Nationwide | $1,619 |
| Seniors (65-75) | Nationwide | $1,515 |
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Cheapest car insurance rates for Missoula drivers after a speeding ticket
State Farm offers the most affordable car insurance rates for drivers in Missoula following a speeding ticket, at an average annual cost of $1,839 or $153 per month for full coverage.
GEICO and Kemper also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Missoula drivers with a speeding ticket.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| State Farm | $1,730 | $1,839 | 6% |
| GEICO | $2,263 | $2,506 | 11% |
| Kemper | $2,252 | $2,724 | 21% |
| Progressive | $2,351 | $3,059 | 30% |
| Allstate | $3,208 | $3,583 | 12% |
| Farmers | $2,838 | $4,721 | 66% |
| USAA | $1,146 | $1,505 | 31% |
Cheap car insurance for drivers with a DUI in Missoula
If you’re a driver with a DUI in Missoula, finding affordable car insurance can be challenging. However, State Farm, Kemper and Progressive offer cheap car insurance rates for drivers in Missoula after a DUI conviction.
The table below lists affordable car insurance companies in Missoula that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| State Farm | $1,730 | $1,839 | 6% |
| Kemper | $2,252 | $2,362 | 5% |
| Progressive | $2,351 | $2,672 | 14% |
| Allstate | $3,208 | $4,353 | 36% |
| Farmers | $2,838 | $5,144 | 81% |
| GEICO | $2,263 | $6,134 | 171% |
| USAA | $1,146 | $2,277 | 99% |
Affordable car insurers for Missoula drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Missoula for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Missoula, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are GEICO and Kemper.
See the table below to see which insurers offer cheap auto insurance premiums for Missoula drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $1,730 | $1,960 | 13% |
| GEICO | $2,263 | $3,316 | 47% |
| Kemper | $2,252 | $3,328 | 48% |
| Progressive | $2,351 | $3,632 | 54% |
| Farmers | $2,838 | $3,986 | 40% |
| Allstate | $3,208 | $4,791 | 49% |
| USAA | $1,146 | $1,575 | 37% |
Compare car insurance quotes in Missoula: How to save on an insurance policy?
By comparing car insurance quotes, you could save an average of $1,593 per year or $133 per month on a full coverage policy in Missoula, Montana, according to CarInsurance.com’s rate analysis. While your savings will vary based on factors like location, age and driving history, this shows how much you can benefit from shopping around and comparing quotes.
Final thoughts: Car insurance cost in Missoula, Montana
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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