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 full coverage car insurance cost in Montana is $2,541 annually, or $212 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 Why you can trust Insure.com 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. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,541 a year or $212 per month for Montana drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $422 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,541 Average per month cost $212 Average cost for state minimum coverage $604 / Year Cheapest car insurance company State Farm($1,914 / Year) Average cost for young drivers $3,953 / Year Average cost for Senior drivers $2,439 / Year Average car insurance cost in Montana If you’re a resident of Montana, full coverage car insurance typically costs about $212 per month, adding up to $2,541 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $35, or $422 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in MontanaState Farm has the cheapest rates, at an average annual cost of $1,914 or $160 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average cost of $182 per month or $2,180 annually.While these insurance companies have some of the lowest average rates in Montana, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in Montana Graph Table Company nameAverage per month costAverage annual costState Farm$160$1,914Nationwide$182$2,180Kemper$224$2,692GEICO$235$2,821Farmers$249$2,984Progressive$258$3,101Allstate$277$3,322USAA*$106$1,276*USAA is only available to military community members and their families.Powered by: Updated with latest data Montana car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Montana Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $826/Year OR $69/month Full Coverage $2,606/Year OR $217/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 MontanaYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $35 a month, or about $422 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Montana pay around $212 per month, or roughly $2,541 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$422Liability only$604Full coverage$2,541Non-owner state minimum liability$326Powered by:Auto 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 cityBillingsBozemanMissoula Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Montana by cityWhere you live in Montana can have a big impact on your car insurance rates.If you’re located in cities like Havre, Kalispell, or Billings, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Missoula and Helena tend to pay much lower insurance premiums, between $2,175 and $2,224 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costMissoula$2,175Helena$2,224Anaconda-Deer Lodge County$2,310Belgrade$2,320Bozeman$2,331Butte$2,350Great Falls$2,378Billings$2,508Kalispell$2,523Havre$2,585Powered by:Average car insurance cost in Montana by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Montana, based on age and gender.Average car insurance cost in Montana for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Montana pays an average of $5,535 annually for car insurance, compared to $5,236 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,003 per year for male drivers and $2,946 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,535$5,23621$4,100$3,93022$3,795$3,66323$3,471$3,36024$3,270$3,174Powered by:Average car insurance cost in Montana for adult driversAn adult driver aged 25-60 in Montana pays $2,513 annually for full coverage, or around $209 each month. Women in the same age group pay $2,506 per year or $209 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,003$2,94630$2,758$2,73935$2,625$2,62540$2,536$2,54645$2,440$2,46050$2,321$2,33555$2,232$2,21760$2,207$2,181Powered by:Average car insurance cost in Montana for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,293 annually, while women pay $2,247.By 70, average rates go up to $2,394 for men and $2,331 for women. At age 75, costs increase further, reaching $2,761 for men and $2,617 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,293$2,24770$2,394$2,33175$2,761$2,617Powered by:Minimum car insurance requirements in MontanaWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Montana can help you avoid fines and make smarter choices about your coverage.Drivers in Montana must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $20,000Cheapest cars to insure in MontanaYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Hyundai Venue tops the list for cheapest car to insure in Montana at an average cost of $1,943 a year, followed closely by Chevrolet TrailBlazer at $1,968 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumHyundai Venue$1,943Chevrolet TrailBlazer$1,968Honda HR-V$2,008Toyota Corolla Cross$2,013Chevrolet Trax$2,043Mazda CX-30$2,089Honda CR-V$2,093Chrysler Voyager$2,105Volkswagen Taos$2,125GMC Savana$2,147Powered by:Most expensive cars to insure in MontanaMaserati Quattroporte tops the list as the most expensive car to insure in Montana, at an average annual cost of $9,542. Below is a list of the most expensive vehicles to insure in Montana and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$9,542Maserati Ghibli$8,280Nissan GT-R$7,035BMW M8 Gran Coupe$7,030Audi e-tron GT$6,822Porsche 911 Turbo$6,672Audi S8$6,612Porsche 911 GT3$6,576BMW i7$6,565Audi RS7$6,553Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has 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 different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in MontanaCheapest 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 ageMinimum car insurance requirements in MontanaCheapest cars to insure in MontanaMost expensive cars to insure in MontanaMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330