Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Montana Average car insurance cost in Montana In Montana, a full-coverage car insurance policy runs $2,476 a year, or $206 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.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 onAugust 5, 2026 Why you can trust Insure.com Quality Verified 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. For a deeper dive into our process, see our complete methodology. 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. Full coverage car insurance in Montana runs about $206 a month, or $2,476 a year, for the average driver. If you stick to your state’s minimum required liability coverage instead, that average drops to $43 a month, or $521 a year. Keep in mind these are statewide averages – your personal rate could be higher or lower.Your actual premium depends on several factors – where you live, your age, your driving history, your credit score, and the type of vehicle you drive. Insurers also factor in state-level risks, such as accident frequency, repair and medical costs, theft rates, and weather patterns. That’s part of why drivers in busy cities pay more than drivers in rural areas. Not everything is out of your hands. Keeping a clean driving record, building your credit score, bundling your policies, or shopping around for quotes can all help bring your rate down. Average annual cost $2,476 Average per month cost $206 Average cost for state minimum coverage $570 / Year Cheapest car insurance company State Farm$2,058 / Year Average cost for young drivers $3,810 / Year Average cost for Senior drivers $2,515 / Year 012345 1 of 6 How much does car insurance cost in Montana?Drivers in Montana pay an average of $206 per month ($2,476/year) for full coverage, or $43 per month ($521/year) for state minimum coverage.The chart below shows average car insurance rates in Montana across different coverage levels. These are statewide averages, so your own rate may land higher or lower.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$570$2,476$412$521Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non owners: Designed for those who don’t own a vehicle but occasionally borrow one and want liability coverage.See what you’d actually payAverages only get you so far. To see what you should actually expect to pay, use the calculator below to get an estimate in four steps:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll get instant estimates for state minimum, liability only, and full coverage. Montana car insurance calculator Tell us about your car to get an estimate. Vehicle year Vehicle year2024202320222021202020192018201720162015 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX 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 A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire Vehicle already present. 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. Read more about our research standards and methodology. Data last refreshed in 2026Powered by:How to lower your rate in Montana:Compare quotes from at least 3 insurers, since the first quote is rarely the best dealBundle home and auto policies to often qualify for a discountAsk about available discounts and how you can qualify for themMaintain a clean driving record, since fewer violations signal lower risk to insurers, which keeps your rate downAvoid filing small claims, since paying minor costs out of pocket can help keep your rate from rising How much car insurance coverage do you need in Montana?Drivers in Montana must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.Minimum liability breaks down into two parts:Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.Property damage liability pays to repair or replace others’ property, like their car or a fence.Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it. CoverageMinimum requiredBodily injury liability (per person)$25,000Bodily injury liability (per accident)$50,000Property damage liability$20,000 Powered by: Who has the cheapest car insurance in Montana?State Farm has the cheapest rates, at an average of $2,058 per year or $172 a month for a full coverage policy with 100/300/100 limits and $500 collision and comprehensive deductibles.Nationwide also stands out for its affordable premiums, with an average premium of $181 per month or $2,167 annually.While these companies have some of the lowest average rates in Montana, your actual premium may vary. It’s always worth comparing quotes to find the best deal. Affordable car insurance providers in Montana Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumState Farm$2,058$172Nationwide$2,167$181Progressive$2,775$231Farmers$2,856$238GEICO$2,858$238Allstate$3,341$278USAA*$1,274$106*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: 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 How much does car insurance cost by city in Montana?Car insurance rates in Montana vary by city – drivers in Missoula and Helena pay $2,131 to $2,185 a year, while those in Havre, Kalispell and Billings pay significantly more.Location affects your rate because insurers price risk differently by area. Cities with heavier traffic, higher accident rates, and more theft or vandalism tend to have higher premiums, while areas with lower population density and fewer claims generally see lower rates.CityAverage annual costMissoula$2,131Helena$2,185Anaconda-Deer Lodge County$2,246Belgrade$2,266Bozeman$2,279Butte$2,312Great Falls$2,341Billings$2,454Kalispell$2,500Havre$2,548Powered 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 cityBillingsBozemanMissoulaHow does age affect car insurance rates in Montana?Age ranks among the biggest factors insurers use to set your premium. Rates typically peak for teen drivers, fall after age 25, hold steady through most of adulthood, and climb again once drivers reach their early 70s. Insurers view both ends of the age spectrum as higher risk: younger drivers because of inexperience, and older drivers because of slower reaction times and vision changes.Here’s what drivers in Montana might expect to pay based on age and gender.Car insurance rates for young drivers in MontanaYoung drivers pay above-average premiums, since insurers consider them higher risk until they build more experience on the road.In Montana, 20-year-old male drivers average $5,174 a year, while 20-year-old female drivers average $4,823. By age 25, though, rates drop to an average of $2,880 a year for men and $2,825 for women.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,174$4,82321$4,080$3,88122$3,766$3,61423$3,408$3,27024$3,187$3,079Powered by:Car insurance rates for adults in MontanaAdult male drivers in Montana pay an average of $2,453 a year for full coverage, or $204 a month. Female drivers average $2,460 a year, or $205 a month, for the same coverage. Insurers see adults as lower risk than teens, who are just starting out, and seniors, who may have slower reaction times, which is why adult rates run lower.Rates still vary from driver to driver, so comparing quotes is worth it to land the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,880$2,82530$2,584$2,59435$2,507$2,53340$2,457$2,49445$2,416$2,45550$2,306$2,33455$2,245$2,23960$2,230$2,210Powered by:Car insurance rates for senior drivers in MontanaAs you age into your senior years, your car insurance costs tend to climb. Insurers view older drivers as higher risk due to factors like slower reaction times and changes in vision, both of which can raise the odds of an accident.At 65, men average $2,321 a year, and women average $2,281. By 70, those averages rise to $2,432 for men and $2,374 for women. At 75, rates climb further still, to $2,903 for men and $2,780 for women.Even with rates trending upward, you can help keep costs in check 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$2,321$2,28170$2,432$2,37475$2,903$2,780Powered by:Which cars are the cheapest and most expensive to insure in Montana?In Montana, Chevrolet Trax costs the least to insure, at $2,025 a year, while BMW M5 Touring costs the most, at $7,147 a year. Your choice of vehicle has a major impact on your premium – cars with strong safety ratings, low repair costs, and fewer claims cost less to insure, while cars that are expensive to fix, frequently stolen, or often in accidents cost more.Cheapest cars to insure in MontanaChevrolet Trax holds the lowest average premium in Montana, at $2,025 a year, with Honda CR-V close behind at $2,054 a year. Below are the cheapest cars to insure and their average annual rates:Make ModelAvg. Annual PremiumChevrolet Trax$2,025Honda CR-V$2,054Honda HR-V$2,062Chrysler Voyager$2,063Toyota RAV4$2,085Jeep Wrangler$2,103Subaru Crosstrek$2,115Chevrolet Express$2,119Volkswagen Tiguan$2,122Honda Odyssey$2,130Powered by:Most expensive cars to insure in MontanaBMW M5 Touring tops the list as the most expensive vehicle to insure in Montana, averaging $7,147 a year. Below are the most expensive vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumBMW M5 Touring$7,147BMW M5$7,128BMW M8 Gran Coupe$7,101BMW i7$6,905Audi e-tron GT$6,904Mercedes-AMG G63$6,864Porsche 911 Turbo$6,705Mercedes-Maybach S-Class$6,517Audi RS7$6,513Mercedes-AMG SL-Class$6,387Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.Read more about our research standards and methodology.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTennessee$2,235/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. You might find interesting Explore related topics Car insurance calculator for teens in MontanaCheapest SR-22 insurance in MontanaDo you need insurance to register a car in Montana?How much is gap insurance in MontanaLow-cost car insurance in MontanaMontana car insurance calculatorMontana car insurance: Rates, state minimum requirements and best companiesNon-owner car insurance in Montana: Which company has the cheapest rates?The best and cheapest car insurance in MontanaSee more Explore other insurance options in Montana The best and cheapest car insurance in Montana Average renters insurance cost in Montana Average homeowners insurance cost in Montana In case you missed it The most expensive and cheapest cars to insure Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure How much does car insurance cost for seniors? Non-owner car insurance: How to get car insurance if you don’t own a car The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in Montana?How much car insurance coverage do you need in Montana?Who has the cheapest car insurance in Montana?How much does car insurance cost by city in Montana?How does age affect car insurance rates in Montana?Which cars are the cheapest and most expensive to insure in Montana?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453