- The average cost of car insurance in Montana is $2,476 a year or $206 per month, based on our data analysis.
- Minimum liability coverage in Montana costs around $519 annually for limits of 25/50/20, while liability-only coverage costs $566 per year for limits of 50/100/50.
- State Farm provides the most affordable annual rates for full coverage car insurance in Montana, costing $2,058 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 68%, and an at-fault accident by up to 45%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that State Farm offers the most affordable car insurance at $2,058 per year.
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 car insurance works in Montana and how much you need.
How much is car insurance in Montana?
In Montana, drivers pay an average of $206 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
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.
See how rates change in Montana based on driver profile:
- Teen drivers in Montana pay the most – about $627 a month or $7,530 a year.
- Young drivers in their 20s pay an average of $317 monthly or $3,810 annually, for car insurance.
- Senior drivers pay around $210 monthly or $2,515 a year.
- A speeding ticket can increase your rates to $247 monthly or $2,958 annually.
- An at-fault accident increases car insurance rates to $300 a month or $3,601 a year.
- Poor credit drivers usually see their car insurance costs increase to $415 monthly or $4,979 annually.
Average cost of auto insurance in Montana by coverage level
Car insurance costs in Montana can differ based on the coverage limit. To legally drive, Montana residents must adhere to the minimum liability limits of 25/50/20.
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.
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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $43 | $519 |
| Liability Only – 50/100/50 BI/PD | $47 | $566 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $206 | $2,476 |
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.
The state minimum car insurance cost in Montana is $519 a year. However, this basic coverage only offers limited protection. Montana drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Montana must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Montana
Liability-only car insurance costs $566 in Montana for coverage limits of 50/100/50, according to CarInsurance.com data.
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
The average annual premium in Montana is $2,476 for a full coverage policy with 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Montana
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Montana have to pay more than those living where the risks are lower.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Montana drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,400 annually.
Car insurance for drivers aged 16-19 costs $5,130 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 $7,530 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,648 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,400 per year in Montana.
- For senior drivers: Drivers age 65 and older can expect to pay $2,515 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 68% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Montana, you’ll likely see an increase in your car insurance premium by up to 19% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Montana after driving incidents:
- Speeding ticket: Up to 19% increase
- DUI conviction: 68% increase
- At-fault accident (bodily injury and property damage): 45% increase
But even with a traffic ticket, comparison shopping can save you 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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
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.
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.
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 |
|---|---|---|---|
| State Farm | $383 | $445 | $2,058 |
| Nationwide | $702 | $707 | $2,167 |
| Progressive | $533 | $582 | $2,775 |
| Farmers | $570 | $623 | $2,856 |
| GEICO | $341 | $425 | $2,858 |
| Allstate | $861 | $915 | $3,341 |
| USAA | $240 | $266 | $1,274 |
Car insurance rates by city in Montana
Havre is the priciest city in Montana for car insurance, costing an average of $2,548 annually. On the other hand, Missoula is the most affordable city, where drivers pay an average of $2,131 per year for car insurance.
Car insurance premiums differ across cities in Montana and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
How much does car insurance cost in Montana per month?
The average cost of a full-coverage car insurance policy in Montana costs $206 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $43 |
| Liability Only – 50/100/50 BI/PD | $47 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $206 |
Final thoughts on choosing car insurance in Montana
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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 March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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