Average Car Insurance Cost in Montana (2024)

Drivers in Montana pay an average of $143 per month for car insurance.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 12, 2024

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Cheapest recent rates in Montana

Recent Montana car insurance prices for Jeep, Ford, Toyota , and more.

*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Montana within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average cost of insurance in Montana is nearly the same as the national average of $160. Montana is the third least densely populated state in the country, which may explain the state’s affordable insurance rates. However, coverage costs can vary depending on your city, age, credit history, gender, and driving record.

Here’s what you should know about Montana car insurance, including how much you can expect to pay.

Quick Facts
  • The average cost of minimum-coverage car insurance in Montana is $94 per month, and the average cost of full-coverage car insurance is $192.

  • Bozeman drivers earn some of the cheapest average rates in Montana.

  • Montana is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting medical expenses and vehicle repairs.[1]

Find Cheap Car Insurance in Montana

Liability rates average $94 per month

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What’s the average cost of car insurance in Montana?

Drivers in Montana pay an average of $94 per month for liability-only insurance and $192 for full-coverage insurance. The average costs for car insurance premiums are similar to the national average rates of $105 per month for liability coverage and $215 for full coverage.

Because a number of factors can influence your car insurance costs, including which company you buy coverage from, it’s important to compare multiple quotes before finalizing your insurance policy.

Here are the cheapest car insurance companies for drivers in Montana.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
State Farm$44$103
USAA$48$110
Midvale Home & Auto$49$123
Safeco$52$115
Progressive$56$129
Farmers$81$182
GEICO$85$198
Allstate$89$204
Bristol West$90$220
The General$98$198
Foremost$103$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Montana car insurance rates by city

Your location affects how much you pay for car insurance coverage, even within the same state. For example, drivers in large cities tend to pay more than drivers in rural areas. Montana doesn’t have many big urban centers. Billings, the state’s largest city, has a population of around 120,000 people.[2] Car insurance rates across the state are fairly similar.

The average costs of liability-only car insurance in Billings, Great Falls, Helena, and Missoula only differ by a few dollars. But drivers in Bozeman can expect to pay nearly $20 less each month than other drivers in the state.

Here’s how much you can expect to pay for car insurance in the following Montana cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Billings$98$221
Bozeman$83$182
Great Falls$102$186
Helena$96$205
Missoula$98$199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Montana car insurance rates by age

Age is another factor that affects how much you pay for car insurance. Young drivers — especially teenagers — pay the highest premiums due to unsafe driving habits and a lack of experience.

Auto insurance rates decrease for drivers as they get older, with drivers earning the lowest rates around retirement age. Senior drivers older than 70 may face slight rate increases as insurers account for aging-related risk factors.[3]

Here are the average car insurance quotes in Montana for each age group.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How gender affects car insurance rates in Montana

Women tend to have fewer car accidents and high-risk traffic violations than men. As a result, women usually pay lower rates for car insurance. The price difference between men and women in Montana is small but noticeable, especially when considering gender alongside age.

For example, young men pose a much higher driving risk than young women, so male teenagers face higher average rates. The cost difference for men and women decreases with age.

Here are the average quotes for men and women by age in Montana.

AgeMaleFemale
16$401$328
35$192$173
50$147$141
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How your driving record affects car insurance rates in Montana

Your driving record is a history of your vehicle violations. If you’ve had an at-fault accident, speeding ticket, DUI, or other moving violation, it will appear on your record. Insurers review your driving record to determine risk.

Incidents on your record indicate that you have a higher likelihood of filing claims in the future, which costs insurance companies money. As a result, insurers charge you more in anticipation of future costs. On average, Montana drivers with an incident on their record pay $193 per month for car insurance.

Here are the average car insurance quotes for Montana residents by driving record.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$94$192
With accident$149$303
With speeding ticket$136$277
With DUI$167$342
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Montana car insurance rates by marital status

Married drivers may have additional savings and usually pay less for car insurance than their single peers. Car insurance companies may view married couples as having more financial stability. And married drivers can benefit from multi-vehicle and bundling discounts, which can decrease their car insurance costs.

Compared to the rate for married drivers, the average annual rate for single drivers in Montana is nearly $50 more for liability coverage and almost $120 more for a full-coverage policy.

Here are the average quotes in Montana based on marital status.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$91$188
Single$95$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Montana car insurance rates by credit tier

Car insurance companies in Montana can use credit-based insurance scores to determine risk. Drivers with good or excellent credit pose less risk to insure and, as a result, have cheaper rates. Insurers may view people with poor credit as riskier to insure and charge them higher rates accordingly.[4]

Here’s how car insurance prices in Montana differ by credit tier and coverage level.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$84$173
Good$93$192
Fair$102$211
Poor$149$307
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Montana car insurance FAQs

As you shop for car insurance from the best insurance companies in Montana, it’s a good idea to understand the amount of coverage you need. The following information can help you navigate the process of buying car insurance.

  • What is the average cost of car insurance in Montana?

    The overall average cost of car insurance in Montana is $143 per month. Montana drivers pay $94 per month for liability coverage and $192 for full-coverage insurance, on average. How much you pay for insurance will depend on your credit history, driving record, type of vehicle, age, chosen coverage, ZIP code, and more.

  • What is the cheapest car insurance in Montana?

    State Farm is one of the cheapest car insurance companies in the U.S., and it offers the cheapest average car insurance rates in Montana. Drivers with State Farm pay an average of $44 per month for liability and $103 for full coverage. USAA offers the second-lowest rates, at $48 per month for liability and $123 for full coverage. Compare quotes from multiple insurers to find the best deal.

  • Do you need uninsured motorist coverage in Montana?

    Montana drivers don’t need uninsured motorist coverage. You can add it to your policy, but the state doesn’t require it. However, you must meet the minimum requirements of bodily injury and property damage liability insurance.[5]

  • What are the best auto insurance companies in Montana?

    The best auto insurance company for you will depend on your coverage needs, budget, and driving record. State Farm and USAA are top auto insurers nationwide and typically offer the most competitive rates for Montana residents. Both companies have high Insurify Quality (IQ) Scores and ample coverage options.

  • What are the car insurance requirements in Montana?

    Drivers in Montana must have liability insurance. The auto policy must include at least $25,000 per person and $50,000 per accident in bodily injury liability and $20,000 per accident for property damage liability coverage.

    Drivers may choose to purchase additional policies, including collision coverage and comprehensive insurance, both of which cover damage to your vehicle from various sources.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. NOLO. "Montana Car Insurance Requirements."
  2. United States Census Bureau. "QuickFacts Billings city, Montana."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Montana Code Annotated 2021. "Use of Credit Information."
  5. Motor Vehicle Liability Policy Minimum Limits — Other Requirements. "Montana Code Annotated 2021."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Compare Car Insurance Quotes Instantly

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