The cost of car insurance in Montana varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Nationwide offers the cheapest rates at $1,394 a year for full coverage.
This comprehensive guide to buying car insurance for Montana drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Montana works and how much insurance you need.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Montana, at $1,394 per year.
- In Montana, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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.
- 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?
CarInsurance.com data found that drivers in Montana pay $183 monthly for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Montana by coverage level
In Montana, the cost of car insurance can vary depending on how much coverage you purchase. Montana drivers need at least the minimum insurance coverage limits of 25/50/20 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Montana. However, they don’t offer much protection.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Montana car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $29 | $350 |
| Liability Only – 50/100/50 BI/PD | $45 | $540 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $183 | $2,193 |
State minimum car insurance in Montana
Montana’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $20,000 in property damage liability.
In Montana, you can get state minimum car insurance for $350 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Montana must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Montana
Liability-only car insurance costs $540 in Montana for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Montana
In Montana, you can expect to pay around $2,193 per year for full coverage car insurance 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.
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Calculate the cost of car insurance in Montana
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
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.
Montana Car Insurance Rates by ZIP Code
Estimate car insurance in Montana by car model
Car insurers in Montana use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle 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.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Montana, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Montana can increase your premiums by up to 58% because insurers see you as a risky driver.
If you get caught speeding in Montana, your car insurance rates will increase by 19% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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
In Montana, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,241 |
| State Farm | $2,075 |
| Geico | $3,499 |
| Progressive | $3,658 |
| Kemper | $3,946 |
| Farmers | $4,064 |
| Allstate | $4,375 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Montana
In Montana, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Start your search for the best car insurance policy in Montana by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Montana and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $201 | $351 | $1,394 |
| State Farm | $244 | $390 | $1,858 |
| Geico | $249 | $402 | $2,382 |
| Progressive | $359 | $506 | $2,414 |
| Kemper Insurance | $477 | $585 | $2,692 |
| Farmers | $519 | $1,169 | $2,939 |
| Allstate | $611 | $731 | $2,949 |
| USAA | $144 | $181 | $919 |
Car insurance rates by city in Montana
Lodge Grass is Montana’s most expensive city for car insurance at an average cost of $2,471 annually. Missoula is the state’s least expensive city, with an average car insurance 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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
The table below shows the average annual car insurance premiums for Montana’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $868 |
| Nationwide | $1,343 |
| State Farm | $1,760 |
| Progressive | $1,985 |
| Geico | $2,006 |
| Kemper | $2,420 |
| Allstate | $2,800 |
| Farmers | $2,924 |
How much does car insurance cost in Montana per month?
The average cost of a full-coverage car insurance policy in Montana costs $183 monthly for coverage 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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $29 |
| Liability Only – 50/100/50 BI/PD | $45 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $183 |
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Montana.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.