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If you want to secure auto insurance coverage in Montana, know the associated costs. On average, premiums for car insurance in Montana cost $2,193 per year or $183 monthly. While the national average is $1,895, highlighting a difference of $298.
Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.
This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Montana, and breaks down car insurance rates by age group.
Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.
Key Takeaways
- Based on Insure.com’s analysis, car insurance in Montana costs $2,193 per year.
- Car insurance in Montana costs $183 per month.
- Nationwide has the cheapest car insurance rates in Montana, at an average annual rate of $1,394 a year.
Average car insurance cost in Montana per month
In Montana, the average monthly rate for car insurance is $183.
This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Montana, it’s advisable to obtain quotes from multiple companies.
Cheapest car insurance companies in Montana
According to Insure.com’s rate analysis, Nationwide offers the most affordable car insurance premiums in Montana. The average annual cost is $1,394, or $116 per month. The second-best option available is State Farm, offering insurance at an average cost of $155 per month.
The table below lists the other available car insurance companies that offer car insurance in Montana, along with their average cost per month and average annual cost.
Affordable car insurance providers in Montana
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| Nationwide | $116 | $1,394 |
| State Farm | $155 | $1,858 |
| Geico | $199 | $2,382 |
| Progressive | $201 | $2,414 |
| Kemper | $224 | $2,692 |
| Farmers | $245 | $2,939 |
| Allstate | $246 | $2,949 |
| USAA | $77 | $919 |
Read our guide to cheap car insurance companies
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Average cost of car insurance by coverage levels in Montana
Car insurance rates in Montana are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.
Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $540 per year in Montana.
As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Montana amounts to $2,193 per year.
If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Montana, the average annual cost for non-owner state minimum liability coverage is $299.
For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $350 in Montana.
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 city
Average car insurance cost in Montana by city
Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.
The table below depicts the top popular cities in Montana:
| City | Average annual cost |
|---|---|
| Anaconda-Deer Lodge County | $2,013 |
| Belgrade | $2,018 |
| Billings | $2,157 |
| Bozeman | $2,026 |
| Butte | $2,054 |
| Great Falls | $2,071 |
| Havre | $2,222 |
| Helena | $1,942 |
| Kalispell | $2,196 |
| Missoula | $1,908 |
Average car insurance cost in Montana by age of the driver
Age is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Montana, the average annual rate for young drivers is $3,539, whereas for seniors, it’s $2,119. Notably, the rate for young drivers surpasses that of senior drivers by $1,420.
Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.
Average car insurance cost in Montana for young drivers
In Montana, female young drivers typically pay an average annual car insurance cost of $3,491 and $291 per month.
Conversely, male young drivers pay an average annual rate of $3,588, or $299 per month.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 20 | $4,869 | $4,708 |
| 21 | $3,705 | $3,592 |
| 22 | $3,413 | $3,329 |
| 23 | $3,084 | $3,012 |
| 24 | $2,870 | $2,813 |
Average car insurance cost in Montana for senior drivers
In Montana, senior female drivers pay an annual car insurance cost of $2,090, equating to $174 per month. Similarly, male senior drivers face an average yearly expense of $2,148, or $179 per month.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $2,034 | $2,004 |
| 70 | $2,103 | $2,057 |
| 75 | $2,320 | $2,219 |
Read more about senior car insurance
Minimum car insurance requirements in Montana
Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Montana Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Montana:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Personal property coverage per person: $20,000
Cheapest cars to insure in Montana
Insurance costs are lowest for Mazda CX-30 owners, with an annual premium of $1,668. Chevrolet TrailBlazer follows closely at $1,704 per year. The difference in the cost of insuring these two models is $36 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Mazda | CX-30 | $1,668 |
| Chevrolet | TrailBlazer | $1,704 |
| Honda | HR-V | $1,705 |
| Hyundai | Venue | $1,737 |
| Toyota | Corolla Cross | $1,742 |
| Kia | Seltos | $1,768 |
| Ford | Maverick | $1,775 |
| Buick | Encore GX | $1,784 |
| Honda | CR-V | $1,787 |
| Ford | Escape Plug-in Hybrid | $1,793 |
Most expensive cars to insure in Montana
The most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $7,846. However, the difference between the cheapest and most expensive cars to insure is $6,178 annually.
| Make | Model | Average annual premium |
|---|---|---|
| Maserati | Quattroporte Trofeo | $7,846 |
| Maserati | Ghibli Trofeo | $7,795 |
| Maserati | Quattroporte | $7,778 |
| Audi | R8 Performance | $7,775 |
| Maserati | Ghibli | $6,342 |
| Porsche | Taycan Turbo | $6,091 |
| BMW | M8 | $6,056 |
| Porsche | Panamera 4S E-Hybrid | $5,976 |
| Porsche | Panamera Turbo S E-Hybrid | $5,949 |
| BMW | Alpina B8 | $5,827 |
Methodology
The Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.
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 a full coverage policy with limits:
The quoted insurance rates are for comparison purposes, and your individual rates may vary.
57M
Quotes reviewed
136
No. of carriers analyzed
34.5K
ZIP codes analyzed
How much is car insurance in other states
Explore other insurance options in Montana
- Average car insurance cost in Montana per month
- Cheapest car insurance companies in Montana
- Average cost of car insurance by coverage levels in Montana
- Average car insurance cost in Montana by city
- Average car insurance cost in Montana by age of the driver
- Minimum car insurance requirements in Montana
- Cheapest cars to insure in Montana
- Most expensive cars to insure in Montana
- Methodology