Montana Average Cost of Car Insurance Rates (2023)

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 than 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.

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.

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.

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.

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.

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.

Minimum Car Insurance Requirements in Montana

All motor vehicles operated or parked on Montana roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Montana^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Montana is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Montana, this coverage is required to be offered, but drivers can reject it if they do not want it.

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.

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. 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. See All Auto Insurance Companies