In Montana, estimating the cost of car insurance depends on factors like your age, driving history, ZIP code, and the type of vehicle you own, all of which significantly impact your rates.
With CarInsurance.com’s car insurance calculator, you can get an estimate based on your basic details for three coverage options in Montana: Full coverage with limits of 100/300/100, liability only with limits of 50/100/50 and state minimum coverage. Use the tool below to see your average insurance rates.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Montana.
- The average annual cost of a full coverage policy in Montana with liability limits of 100/300/100 is $2,193 or $183 per month.
- The minimum liability coverage in Montana costs around $350 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Montana: How to get auto insurance estimates
CarInsurance.com editors suggest getting quotes from at least three different insurers when shopping for a policy, either at renewal time – every six months – or annually.
Because each insurer uses its own rating system, they weigh factors like age and driving history differently. If you get a ticket, one insurer may increase your premium by 5%, while another could raise it by 20%.
What factors affect car insurance estimates in Montana?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Montana by car model
Whenever you’re in the market for a new vehicle, it’s important to get car insurance quotes to include that expense in your overall budget. If affordability is your priority, vehicles with smaller engines and enhanced safety features tend to have lower insurance costs. On the other hand, sports cars and luxury vehicles come with higher insurance premiums.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,063 |
| Electric | $3,142 |
| Hatchback | $2,024 |
| Hybrid | $2,392 |
| Luxury Car | $3,292 |
| Luxury SUV | $2,792 |
| Minivan | $2,027 |
| Performance SUV | $3,601 |
| Sedan | $2,162 |
| Sports Car | $3,562 |
| Station Wagon | $2,597 |
| SUV | $2,004 |
| Truck | $2,256 |
| Van | $1,836 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Montana by make and model.
Insurance rates by car model
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Montana car insurance estimates for used cars
Insuring a used car in Montana typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in Montana for used cars by make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in Montana
How much auto insurance do I need in Montana?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $20,000 per accident |
How much does car insurance cost in Montana per month?
The monthly cost of full coverage car insurance in Montana, including collision, comprehensive, and 100/300/100 liability, is $183. For state minimum liability, it’s $29 per month, while liability coverage with 50/100/50 limits costs $45 monthly.
Does your age impact how much you pay for insurance in Montana?
Young drivers often pay more for car insurance in Montana due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.
Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.
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CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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