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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 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 If you live in Montana, you can expect to pay an average of around $212 per month for full coverage car insurance, or $2,541 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $35 monthly or $422 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 012345 1 of 6 Average car insurance cost in Montana Drivers in Montana generally pay an average of $212 per month or $2,541 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $35 or $422 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in MontanaState Farm provides the lowest full coverage rates, for an average cost of $1,914 per year or $160 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Nationwide also offers affordable insurance coverage to Montana drivers at an average cost of $2,180 a year or $182 per month.Although these insurers offer some of the most affordable average rates in Montana, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: *USAA is only available to military community members and their families.Powered by: Montana car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Montana Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Montana Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$512/year Liability coverage$898/year Full Coverage$2,482/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MontanaYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $35 per month or $422 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Montana, drivers typically pay $212 per month or $2,541 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 citySee rates in your 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 cityCar insurance rates can vary widely depending on where you live, even within Montana.Cities like Havre, Kalispell, or Billings tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Missoula or Helena, with average annual premiums between $2,175 and $2,224.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Montana for a full coverage policy based on your age and gender.Average car insurance cost in Montana for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Montana pay an average of $5,535 per year for car insurance, while females of the same age pay $5,236.But by the time you turn 25, insurance premiums drop to $3,003 a year on average for male drivers and $2,946 for female drivers.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 driversOn average, an adult male driver in Montana pays $2,513 a year for full coverage or $209 per month. Women pay $2,506 a year or $209 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,293 per year, while women pay $2,247. But by age 70, average premiums rise to $2,394 for men and $2,331 annually for women. At 75, rates increase even further – $2,761 for male drivers and $2,617 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 MontanaInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Hyundai Venue has the lowest premium, at an average of $1,943 a year, closely followed by Chevrolet TrailBlazer, with an average annual car insurance cost of $1,968.The table below shows the cheapest cars to insure and their average annual rates.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 stands out as the most expensive car to insure in Montana, with an average annual cost of $9,542.The table below shows the most expensive vehicles to insure in Montana along with their average annual insurance costs.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 rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young 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 states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 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