Car insurance costs in Montana vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Montana at $1,394 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Montana. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Montana works and how much insurance you need.
- The average cost of car insurance in Montana is $2,193 a year or $183 per month, based on our data analysis.
- Minimum liability coverage in Montana costs around $350 annually for limits of 25/50/20, while liability-only coverage costs $540 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Montana, costing $1,394 per year.
- In Montana, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 19%, a DUI raising rates by 58%, and an at-fault accident by up to 44%.
How much is car insurance in Montana?
According to CarInsurance.com data, drivers in Montana pay about $183 per month for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Montana based on driver profile:
- Teen drivers in Montana pay the most — about $567 a month or $6,808 a year.
- Young drivers in their 20s pay an average of $295 monthly or $3,539 annually, for car insurance.
- Senior drivers pay around $177 monthly or $2,119 a year.
- A speeding ticket can increase your rates to $253 monthly or $3,033 annually.
- An at-fault accident increases car insurance rates to $257 a month or $3,086 a year.
- Poor credit drivers usually see their car insurance costs increase to $338 monthly or $4,060 annually.
Average cost of auto insurance in Montana by coverage level
In Montana, car insurance rates can differ depending on how much coverage you choose. Drivers in Montana are required by law to have minimum insurance coverage limits of 25/50/20 to drive legally.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Montana for different coverage levels.
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State minimum car insurance in Montana
In Montana, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $20,000 of property damage liability.
The state minimum coverage in Montana costs $350 a year but doesn’t provide much protection for drivers. Montana drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Montana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Montana
The average cost of liability-only insurance in Montana is $540 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Montana
On average, premiums for full coverage car insurance in Montana cost $2,193 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Montana
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Montana have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Montana
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Montana by car model
Montana car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Montana.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Montana
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Montana drivers aged 30 to 60 have the lowest average auto insurance rates at $2,118 annually.
Car insurance for drivers aged 16-19 costs $4,690 more annually than Montana drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $6,808 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,376 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,118 per year in Montana.
- For senior drivers: Drivers age 65 and older can expect to pay $2,119 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Montana
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Montana, a DUI conviction lead to increased rates and you may see a rate hike of up to 58% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Montana, be prepared for your car insurance rates to rise by up to 19% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Montana following driving incidents:
- Speeding ticket: Up to 19% increase
- DUI conviction: 58% increase
- At-fault accident (bodily injury and property damage): 44% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Montana for high-risk drivers
High-risk drivers in Montana pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Montana
Drivers in Montana can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Montana by getting quotes from multiple insurance providers and comparing them.
Below are the details of Montana car insurance companies and their annual premiums.
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Car insurance rates by city in Montana
Lodge Grass is the most expensive city in Montana, with an average car insurance rate of $2,471 a year. Missoula is the cheapest city for Montana drivers at an average rate of $1,908 annually.
Car insurance rates vary by city in Montana for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Below, you’ll see the average annual car insurance cost of major cities in Montana.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Montana per month?
Car insurance in Montana costs an average of $183 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
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Final thoughts on choosing car insurance in Montana
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Montana. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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