Average Cost of Car Insurance Rates in Montana (2021)

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How Much Does Car Insurance Cost In Montana?

On average, car insurance rates for drivers in Montana are $165 per month, and $1977 per year. The average rates make Montana the 38th most expensive state in the country for car insurance rates and 35% less expensive then the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16550%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Montana Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Montana and has selected the following providers and quotes as the best rates for drivers in Montana.

Cheapest Companies
state-farm
$28/mo
progressive

Progressive

$53/mo
allstate
$61/mo
travelers
$67/mo
american-family
$129/mo

Montana Car Insurance Rates by City

For drivers in Montana, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Montana.
City
Belgrade$139
Billings$176
Bozeman$158
Butte$154
Great Falls$158
Helena$142
Kalispell$160
Laurel$175
Missoula$142
Whitefish$125

What Is the Average Cost of Car Insurance in Montana by Age?

Teenagers pay a steep premium to drive in Montana: $275 on average, which is likely more than most teens will take home at their part-time jobs. Prices steady out as drivers enter young adulthood, as drivers in their 20s pay $195 per month—only $30 above the state average.

Montanans in their 30s, 40s, and 50s will most likely pay a bit less than the state average—and then prices will dip down even more for drivers in their 60s and 70s. Average rates hit their lowest for drivers in their 60s, who pay only $112 per month.

Age
Teens$275
20s$195
30s$148
40s$155
50s$129
60s$112
70s$117
>80s$133

What Is the Average Cost of Car Insurance in Montana by Gender?

Men pay just $8 more than women for car insurance, on average. This means that when it comes to driving in Montana, gender makes only a small impact on car insurance rates.

Gender
Male$170
Female$162

Does Marital Status Influence the Average Cost of Car Insurance in Montana?

While getting married leads to lower premiums in most states, just the opposite is true in Montana. On average, married drivers pay $23 more for car insurance compared to single drivers. Married drivers have premiums that are, on average, $17 more than the state average.

Marital Status
Married$182
Single$159

What Are the Minimum Car Insurance Requirements in Montana?

Montana requires a fairly standard amount of car insurance, at $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $20,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.

Car insurance companies in Montana also must offer a minimum of $25,000/$50,000 in underinsured/uninsured motorist protection (per person and accident, respectively). If the driver rejects this add-on to their policy, they must do so in writing. Considering the costs you might face if you’re involved in an accident with an uninsured driver, you might want to consider purchasing this coverage.

montana

How Does Credit History Affect Montana Car Insurance Rates?

Montana allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, drivers with an excellent credit history actually pay $7 more on car insurance ($153 per month) than those with a poor credit history ($146 per month), which is a pretty minor difference. Drivers with an average or good credit history pay even more, at $159 per month and $164 per month, respectively.

Credit History
Poor$156
Average$159
Good$164
Excellent$153

What Is the Average Cost of Car Insurance in Montana for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Montana will pay $24 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $11. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving History
No Violation$163
At-Fault Accident$174
Speeding$187

Tips for Researching Montana Car Insurance Rates

Insurance rates can vary between companies and are dictated by a variety of unique factors. While Montana might not feature as much choice when it comes to car insurance carriers, especially compared to a more populous state like California or New York, Montanans will still want to carefully weigh their options before buying coverage.

One way to compare options easily is with Insurify. Insurify makes it easy to find cheap car insurance. All you need to do is enter some simple information about your location and driver history, and Insurify will give you 10+ free quotes from a variety of companies so that you can pick the right policy at the right price.

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Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

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FAQs - Montana Car Insurance

Why is car insurance so expensive in Montana?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Montana?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Montana. Insurify analyzed the latest data for the five most populous cities in Montana to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Montana?

'The way to find the carrier with the best auto insurance ratings in Montana and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Montana?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.