The type of vehicle you own in Montana can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Montana for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Montana
The Hyundai Venue and Chevrolet TrailBlazer are the cheapest vehicles to insure in Montana, closely followed by the Honda HR-V and Toyota Corolla Cross, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Montana and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Hyundai Venue | $971 |
| Chevrolet TrailBlazer | $984 |
| Honda HR-V | $1,004 |
| Toyota Corolla Cross | $1,006 |
| Chevrolet Trax | $1,021 |
| Mazda CX-30 | $1,045 |
| Honda CR-V | $1,047 |
| Chrysler Voyager | $1,053 |
| Volkswagen Taos | $1,063 |
| GMC Savana | $1,074 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Montana
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Montana
Based on our data analysis, the Nissan Versa is the cheapest sedan to insure, with an average cost of $1,169 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Subaru Legacy, which costs $1,173, and the Nissan Sentra, which costs $1,222 to insure.
Below, you’ll find the most affordable sedans to insure in Montana and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Nissan Versa | $1,169 |
| Subaru Legacy | $1,173 |
| Nissan Sentra | $1,222 |
| Toyota Corolla | $1,227 |
| Mazda 3 Sedan | $1,234 |
| Honda Civic Sedan | $1,238 |
| Volkswagen Jetta | $1,241 |
| Honda Accord | $1,251 |
| Kia Forte | $1,262 |
| Toyota Camry | $1,266 |
| Chevrolet Malibu | $1,268 |
| Volkswagen Jetta GLI | $1,276 |
| Mitsubishi Mirage G4 | $1,286 |
| Hyundai Elantra | $1,297 |
| Nissan Altima | $1,336 |
| Kia K5 | $1,347 |
| Hyundai Sonata | $1,369 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Montana
In Montana, the Chevrolet TrailBlazer and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $984 and $1,004 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Chevrolet TrailBlazer | $984 |
| Honda HR-V | $1,004 |
| Toyota Corolla Cross | $1,006 |
| Chevrolet Trax | $1,021 |
| Mazda CX-30 | $1,045 |
| Honda CR-V | $1,047 |
| Volkswagen Taos | $1,063 |
| Ford Escape | $1,075 |
| Kia Seltos | $1,075 |
| Mazda CX-5 | $1,077 |
| Buick Encore GX | $1,081 |
| Volkswagen Tiguan | $1,083 |
| Ford Bronco Sport | $1,085 |
| Toyota RAV4 | $1,089 |
| Jeep Wrangler | $1,092 |
| Kia Sportage | $1,093 |
| Subaru Crosstrek | $1,093 |
| Hyundai Kona | $1,102 |
| Subaru Forester | $1,110 |
| Ford Bronco | $1,113 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Montana
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,103.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,103 |
| Honda Civic Si | $1,352 |
| Chevrolet Camaro | $1,437 |
| Toyota GR86 | $1,551 |
| Ford Mustang | $1,562 |
| Toyota GR Corolla | $1,595 |
| Honda Civic Type R | $1,646 |
| Subaru WRX | $1,646 |
| Subaru BRZ | $1,654 |
| BMW Z4 | $1,664 |
| Toyota GR Supra | $1,674 |
| Porsche 718 Boxster | $1,908 |
| Chevrolet Camaro ZL1 | $2,010 |
| Chevrolet Corvette | $2,065 |
| Porsche 718 Cayman | $2,173 |
| Nissan Z | $2,505 |
| Jaguar F-Type | $2,571 |
| Chevrolet Corvette Z06 | $2,649 |
| Porsche 911 | $3,038 |
| Porsche 911 GT3 | $3,288 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Montana
Luxury vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $1,123, the Volvo XC40 ranks as the most affordable luxury car to insure, followed closely by Acura RDX at $1,189 and the Lincoln Corsair at $1,270.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Volvo XC40 | $1,123 |
| Acura RDX | $1,189 |
| Lincoln Corsair | $1,270 |
| Cadillac XT4 | $1,305 |
| Volvo XC60 | $1,312 |
| Lexus RX | $1,314 |
| Acura Integra | $1,329 |
| Cadillac XT5 | $1,334 |
| Acura MDX | $1,336 |
| Lexus NX | $1,341 |
| Audi Q3 | $1,355 |
| BMW X3 | $1,378 |
| Cadillac XT6 | $1,395 |
| Alfa-Romeo Tonale | $1,405 |
| BMW X2 | $1,410 |
| Mercedes-Benz GLA-Class | $1,421 |
| Cadillac CT4 | $1,427 |
| Mercedes-Benz GLB-Class | $1,428 |
| Volvo XC90 | $1,429 |
| Genesis GV70 | $1,433 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Montana
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,496 annually, or $291 monthly.
The table below lists the most affordable EVs to insure in Montana and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $1,192 |
| Volkswagen ID.4 | $1,199 |
| Mini Cooper Electric | $1,203 |
| Kia Niro EV | $1,210 |
| Chevrolet Silverado EV | $1,304 |
| Nissan Leaf | $1,354 |
| Subaru Solterra | $1,389 |
| Audi Q4 e-tron | $1,436 |
| Ford F-150 Lightning | $1,443 |
| Genesis Electrified GV70 | $1,449 |
| Toyota bZ4X | $1,459 |
| Hyundai Ioniq 5 | $1,499 |
| Kia EV9 | $1,508 |
| Mercedes-Benz EQB | $1,521 |
| Toyota Mirai | $1,546 |
| Ford Mustang Mach-E | $1,548 |
| Volvo XC40 Recharge | $1,587 |
| Cadillac LYRIQ | $1,602 |
| Kia EV6 | $1,637 |
| Chevrolet Blazer EV | $1,640 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Montana
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Chevrolet TrailBlazer costs an average of $2,940 to insure for an 18-year-old driver, whereas a Hyundai Venue costs an average of $3,058 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Montana?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,192 for a six-month full coverage policy to insure the Hyundai Kona Electric, and you can expect to pay an average of $1,199 for the Volkswagen ID.4 for the same coverage.
Which SUVs are the cheapest to insure in Montana?
The Chevrolet TrailBlazer is one of the cheapest SUVs to insure in Montana, with an average cost of $984 for a six-month car insurance plan. The Honda HR-V and Toyota Corolla Cross also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Montana?
The Chevrolet TrailBlazer, Hyundai Venue, Toyota Corolla Cross and Mazda CX-30 are some of the cheapest cars to insure for 18-year-olds in Montana. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Nissan GT-R can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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