Cheapest Auto Insurance in Missoula, Montana (2024)

The average monthly cost of car insurance in Missoula is $148, slightly higher than the state average of $143 and slightly lower than the national average of $159. Drivers pay an average of $97 per month for liability coverage and $199 per month for full coverage.

Your car insurance rates could be higher or lower, depending on things like your driving record, age, and location. You should always compare car insurance quotes from multiple insurance companies before buying a policy.

Cheapest car insurance companies in Missoula

The average cost of car insurance in Missoula varies, but you should do more than just seek out the cheapest car insurance companies. Cheap car insurance rates should be weighed against factors like customer service satisfaction, financial stability, and any coverage or discount restrictions for policyholders.

Rates shown in the table below are for the state of Montana.

Best insurer for cheap rates: State Farm

Best insurer for military members and their families: USAA

Best insurer for roadside assistance: Safeco

Find Cheap Car Insurance in Missoula, Montana

Liability coverage quotes start at $45 per month

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How to get the cheapest car insurance in Missoula

Just as a variety of factors affect average rates — like location, gender, marital status, crime rate, and population density — a variety of savings opportunities are available for getting cheap car insurance at the best price possible.

• Look for discounts. Some insurers place a special focus on family insurance policies by offering discounts for young adults with good grades or clean driving records. Others offer discounts for military members, low-mileage drivers, and longtime policyholders.

• Consider bundling insurance products. Many car insurance companies also offer life insurance, business insurance, renters insurance, homeowners insurance, and boat insurance. Most will help you get great insurance coverage for a good deal when you bundle these policies together.

• Research the cheapest vehicles to insure. The year, make, model, and safety features of a vehicle affect the cost of car insurance, which is why it’s a good idea to research the national average of car insurance before you purchase a new or used vehicle.

• Compare car insurance rates. The best car insurance companies are competitive, which is why you should compare different rates annually to ensure you’re still getting the lowest rate.

Cheapest liability-only car insurance in Missoula

Liability coverage policies often have the lowest rates because they only provide bodily injury and property damage for the driver or structure that you hit when you cause a car accident. They don’t cover damage to your vehicle or injuries to you and your passengers.

Local businesses like Marcure Insurance or Summit Insurance Agency, as well as national insurers, state minimumprovide liability-only car insurance that meets state-minimum requirements. State Farm has the cheapest average rate for liability-only policies, at $45 per month, as shown in the table below comparing it to competitors.

Cheapest full-coverage car insurance in Missoula

Full-coverage policies usually cost more than liability-only policies because they have additional optional coverages, like collision and comprehensive, that pay for things like injuries and vehicle damages.

A full-coverage auto insurance policy might be the right coverage for a driver who commutes from Great Falls to downtown Missoula and wants protection from weather, animal, and vandalism damage.

Because only liability insurance is mandated by the state, one independent insurance agency, like Montana Central Insurance, may define full-coverage car insurance differently than another insurer, like Treasure State Insurance.

The table below shows State Farm as the cheapest insurer for Missoula full-coverage policies, at $105 per month, and compares that to the average car insurance quotes from other insurers.

Car insurance requirements in Montana

Most states, including Montana’s neighbors North Dakota and Idaho, require drivers to maintain liability coverage. However, the minimum limit is set state by state; Montana, for instance, has a higher property damage liability requirement than Washington, Utah, and Colorado.

Montana is an at-fault state, which means the at-fault driver is financially responsible for the damage they cause. The state’s minimum car insurance requirements are as follows:^[1]

Once you’ve met the minimum coverage requirements, you may want to consider options for additional coverage, such as:

• 

  Collision coverage

  Collision coverage pays for losses caused by colliding with another vehicle, a telephone pole, or other structure.

• 

  Comprehensive coverage

  Comprehensive coverage pays for a loss not caused by a collision, such as from fire, theft, vandalism, or animal damage.

• 

  Uninsured motorist coverage

  Though optional, you must formally fill out paperwork declining uninsured motorist coverage, or your insurer will provide it to you by law. Uninsured motorist coverage pays for your injuries and your vehicle’s damages when an at-fault driver doesn’t have insurance.

• 

  Medical payments coverage

  Medical payments coverage pays for medical expenses you and your passengers incur from an accident.

Cheapest car insurance for drivers with an incident

Dozens of types of incidents on your driving record can increase car insurance rates, including speeding tickets, at-fault accidents, and other moving violations that either cause or increase the chances of causing an accident. People with safe driving habits tend to get better rates than people with bad marks on their driving records.

Driving under the influence (DUI) is one of the quickest ways to see your premium prices rise, and with a DUI comes other personal finance strains, like legal expenses. In Montana, more than half of all traffic fatalities involved impaired driving — one reason why the state has one of the highest fatality rates from impaired drivers in the country.

Average cost of car insurance by age

Age plays a significant role in Montana car insurance rates. Generally, rates decrease after age 25 as drivers gain experience but then increase around age 70 as older drivers face health, mobility, or medication issues that increase their likelihood of accidents.

Unfortunately, car crashes are the leading cause of death for teens in the state of Montana.^[2] That fact, coupled with their inexperience, is why teen drivers have the highest rates, as shown in the table below comparing average monthly quotes for different ages.

Shop for Car Insurance in Missoula, MT

Liability rates start at $45 per month

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Missoula car insurance quotes by credit tier

Montana car insurance laws allow insurers to consider a driver’s credit history when calculating insurance premiums for new customers. They factor this information into an insurance score, which is then used to calculate your rates.

Missoula drivers with excellent or good credit typically get lower rates than drivers with poor credit.

Missoula car insurance FAQs