Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Montana Average car insurance cost in Montana The average premium for car insurance in Montana is $2,193 per year or $183 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Montana, know the associated costs. On average, premiums for car insurance in Montana cost $2,193 per year or $183 monthly. While the national average is $1,895, highlighting a difference of $298.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Montana, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $2,193 Average per month cost $183 Average cost for state minimum coverage $350 / Year Cheapest car insurance company Nationwide($1,394 / Year) Average cost for young drivers $3,539 / Year Average cost for Senior drivers $2,119 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Montana costs $2,193 per year.Car insurance in Montana costs $183 per month.Nationwide has the cheapest car insurance rates in Montana, at an average annual rate of $1,394 a year.Average car insurance cost in Montana per monthIn Montana, the average monthly rate for car insurance is $183.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Montana, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in MontanaAccording to Insure.com’s rate analysis, Nationwide offers the most affordable car insurance premiums in Montana. The average annual cost is $1,394, or $116 per month. The second-best option available is State Farm, offering insurance at an average cost of $155 per month.The table below lists the other available car insurance companies that offer car insurance in Montana, along with their average cost per month and average annual cost. Affordable car insurance providers in Montana Graph Table Company nameAverage per month costAverage annual costNationwide$116$1,394State Farm$155$1,858Geico$199$2,382Progressive$201$2,414Kemper$224$2,692Farmers$245$2,939Allstate$246$2,949USAA$77$919 Read our guide to cheap car insurance companies Montana car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2023 Cylinders 4 Make & Model Acura - Integra State Montana Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,225/Year OR $185/month Montana Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MontanaCar insurance rates in Montana are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $540 per year in Montana.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Montana amounts to $2,193 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Montana, the average annual cost for non-owner state minimum liability coverage is $299.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $350 in Montana.1State minimum:$3502Liability only:$5403Full coverage:$2,1934Non-owners:$299Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Montana by cityBillingsBozemanGreat FallsHelenaMissoulaAverage car insurance cost in Montana by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Montana:CityAverage annual costAnaconda-Deer Lodge County$2,013Belgrade$2,018Billings$2,157Bozeman$2,026Butte$2,054Great Falls$2,071Havre$2,222Helena$1,942Kalispell$2,196Missoula$1,908Average car insurance cost in Montana by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Montana, the average annual rate for young drivers is $3,539, whereas for seniors, it’s $2,119. Notably, the rate for young drivers surpasses that of senior drivers by $1,420.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Montana for young driversIn Montana, female young drivers typically pay an average annual car insurance cost of $3,491 and $291 per month. Conversely, male young drivers pay an average annual rate of $3,588, or $299 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,869 $4,708 21 $3,705 $3,592 22 $3,413 $3,329 23 $3,084 $3,012 24 $2,870 $2,813 Average car insurance cost in Montana for senior driversIn Montana, senior female drivers pay an annual car insurance cost of $2,090, equating to $174 per month. Similarly, male senior drivers face an average yearly expense of $2,148, or $179 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $2,034 $2,004 70 $2,103 $2,057 75 $2,320 $2,219 Read more about senior car insuranceMinimum car insurance requirements in MontanaEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Montana Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Montana:Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $20,000 Cheapest cars to insure in Montana Insurance costs are lowest for Mazda CX-30 owners, with an annual premium of $1,668. Chevrolet TrailBlazer follows closely at $1,704 per year. The difference in the cost of insuring these two models is $36 annually.MakeModelAverage annual premiumMazdaCX-30$1,668ChevroletTrailBlazer$1,704HondaHR-V$1,705HyundaiVenue$1,737ToyotaCorolla Cross$1,742KiaSeltos$1,768FordMaverick$1,775BuickEncore GX$1,784HondaCR-V$1,787FordEscape Plug-in Hybrid$1,793Most expensive cars to insure in MontanaThe most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $7,846. However, the difference between the cheapest and most expensive cars to insure is $6,178 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$7,846MaseratiGhibli Trofeo$7,795MaseratiQuattroporte$7,778AudiR8 Performance$7,775MaseratiGhibli$6,342PorscheTaycan Turbo$6,091BMWM8$6,056PorschePanamera 4S E-Hybrid$5,976PorschePanamera Turbo S E-Hybrid$5,949BMWAlpina B8$5,827MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Montana Non-owner car insurance in Montana Average renters insurance cost in Montana Average homeowners insurance cost in Montana In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Montana per monthCheapest car insurance companies in MontanaAverage cost of car insurance by coverage levels in MontanaAverage car insurance cost in Montana by cityAverage car insurance cost in Montana by age of the driverMinimum car insurance requirements in MontanaCheapest cars to insure in MontanaMost expensive cars to insure in MontanaMethodology ZIP Code Please enter valid ZIP See rates