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
Our analysis shows that the Hyundai Venue and the Chevrolet TrailBlazer have the lowest average insurance costs in Montana, with Honda HR-V and Toyota Corolla Cross close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Montana and their average six-month full coverage insurance 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
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Montana
According to our data, the Nissan Versa is the cheapest sedan to insure, with an average six-month full coverage premium of $1,169. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Subaru Legacy ranks second on our list with an insurance cost of $1,173, followed by Nissan Sentra, which costs $1,222 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Montana and their average full coverage six-month rates.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,103.
The table below compares car insurance rates for different sports cars in Montana
| 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 cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Volvo XC40 is the cheapest luxury car to insure, with an average cost of $1,123 for a full coverage six-month policy. It is followed by the Acura RDX ($1,189) and Lincoln Corsair ($1,270).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| 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
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,496 annually, which breaks down to $291 monthly.
The table below highlights the most affordable EVs to insure in Montana, including their average six-month full coverage premiums.
| 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.
Speak with a friendly agent and get your quote in minutes!
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Montana?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,192 to insure a Hyundai Kona Electric for a six-month policy, whereas the insurance cost of a Volkswagen ID.4 is $1,199, according to our analysis.
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 an 18-year-old driver in Montana. On the other hand, Maserati Quattroporte, Maserati Ghibli and Nissan GT-R are the most expensive vehicles to insure for a young driver.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
