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 Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. If you’re looking for car insurance rates in Montana, the average annual premium is $2,193, per year or $183 monthly. This contrasts with the national average of $1,682, highlighting a variation of $298. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, 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. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.Summary of average car insurance cost in MontanaAverage annual cost $2,193Average per month cost $183Average cost for state minimum coverage $350 / YearCheapest car insurance company Nationwide($1,394 / Year)Average cost for young drivers $3,539 / YearAverage cost for Senior drivers $2,119 / Year Key Takeaways The average car insurance cost in Montana is $2,193 per year, based on Insure.com’s analysis.In Montana, the average premium for car insurance is $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 monthly rate for car insurance is $183.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Montana, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in MontanaAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Montana is Nationwide, with an average annual cost of $1,394 and a monthly average of $116. Following closely is State Farm, providing coverage at an average monthly rate of $155.The following table lists additional car insurance companies operating in Montana and their respective average monthly and annual costs.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$919Read 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. 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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 MontanaThe extent of coverage you opt for directly influences the cost of car insurance in Montana. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Montana would be $540.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Montana amounts to $2,193.For individuals who 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 provides protection for property damage and bodily injury caused to another driver. In Montana, the average annual cost for non-owner state minimum liability coverage stands at $299.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $350 annually in Montana.Coverage limitsAverage annual costState Minimum BI/PD$350Liability Only – 50/100/50 BI/PD$540Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,193Non-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 plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Montana, the average annual rate for young drivers is $3,539, whereas for seniors, it is $2,119. The rate for young drivers exceeds that of senior drivers by $1,420.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Montana for young driversIn Montana, the auto insurance premium for female young drivers averages at $3,491 annually, or $291 monthly, while male young drivers face a yearly rate of $3,588, or a monthly average of $299.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,869$4,70821$3,705$3,59222$3,413$3,32923$3,084$3,01224$2,870$2,813Average car insurance cost in Montana for senior driversIn Montana, the annual car insurance cost for senior female drivers is $2,090 or $174 monthly. Similarly, male senior drivers face a yearly insurance cost of $2,148 per year, with a monthly average of $179.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,034$2,00470$2,103$2,05775$2,320$2,219Read more about senior car insurance.Minimum car insurance requirements in MontanaEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Montana Department of Insurance, the required coverages and minimum coverage limits in Montana are as follows:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $20,000Cheapest cars to insure in MontanaThe Mazda CX-30 has the lowest average annual insurance premium, at $1,668, with the Chevrolet TrailBlazer closely following at $1,704. Annually, the insurance cost difference between these two models amounts to $36.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 MontanaTopping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $7,846. Notably, the annual difference between the least and most expensive cars to insure amounts to $6,178.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 get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.How 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 Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 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? 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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