Home Car insurance Car insurance calculator Montana car insurance calculator Montana car insurance calculator 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 onMarch 10, 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. 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. If you drive in Montana, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Montana car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Montana, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in MontanaOur calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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 MinimumNA* Liability coverage$826/year Full Coverage$2,606/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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Does your vehicle model affect car insurance rates in Montana?Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.For example, the average annual full coverage cost for a Honda Accord LX in Montana is $2,502, while the average premium for a Honda CR-V is $2,093 – that’s a difference of $409 annually.Does your car’s model year affect insurance rates in Montana?In Montana – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $2,872, while insuring the 2024 model costs $2,535. Quick tip: Check your state’s minimum coverage rulesEvery state sets its own minimum car insurance requirements, and Montana is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Montana can lead to fines, license suspension and even vehicle impoundment. 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 How your car’s trim affects insurance rates in MontanaIn Montana, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.For instance, full coverage car insurance for a 2023 Honda Accord LX in Montana costs $2,872 per year. On the other hand, the Honda Accord EX-L trim costs $2,434 annually to insure – a difference of $438.Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in MontanaCar 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: 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 MontanaBest and cheapest companies for home and auto bundles in MontanaSee more Average car insurance costs in MontanaThe average annual premium for a full coverage car insurance policy in Montana is $2,541 or $212 per month. However, your actual premium may differ depending on your chosen coverage level.Below are estimated costs for various coverage levels in Montana, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,541$212Liability Only – 50/100/50 BI/PD$604$50State Minimum BI/PD$422$35Non-Owners$326$27Powered by:Car insurance costs in Montana by cityCar insurance rates in Montana vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Wyola pay $2,891 annually for full coverage, while those in Missoula pay closer to $2,175 per year.Top 20 cities with cheapest car insurance rates in MontanaCityAvg. Annual PremiumAvg. Monthly PremiumMissoula$2,175$181Milltown$2,182$182Orchard Homes$2,182$182Helena Valley West Central$2,190$182Fort Harrison$2,198$183Helena Valley Southeast$2,212$184Lolo$2,215$185Helena$2,224$185Frenchtown$2,254$188Clinton$2,259$188Wise River$2,260$188Glen$2,266$189Polaris$2,270$189Dillon$2,271$189Huson$2,271$189Deer Lodge$2,279$190Corvallis$2,280$190Hamilton$2,284$190Pinesdale$2,284$190Sula$2,284$190Powered by:Top 20 cities with most expensive car insurance in rates MontanaCityAvg. Annual PremiumAvg. Monthly PremiumWyola$2,891$241Lodge Grass$2,880$240Turner$2,874$239Fort Smith$2,868$239Biddle$2,831$236Otter$2,830$236Crow Agency$2,805$234St. Xavier$2,803$234Hays$2,785$232Birney$2,783$232Zortman$2,783$232Garryowen$2,782$232Busby$2,779$232Dodson$2,774$231Pryor$2,771$231Decker$2,768$231Ashland$2,764$230Fort Belknap Agency$2,764$230Hogeland$2,758$230Saco$2,755$230Powered by:Want to know what you’ll pay? Use the Montana car insurance calculatorUse the Montana car insurance calculator to get an estimate based on your location, vehicle make and model year. Enter your details to get a tailored estimate, but remember-final rates may differ, so it’s wise to compare quotes from different insurers to find the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much does used car insurance cost? Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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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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 car insurance cost a month in 2026? 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 to use our car insurance calculator to estimate your rates in MontanaDoes your vehicle model affect car insurance rates in Montana?Does your car's model year affect insurance rates in Montana?How your car's trim affects insurance rates in MontanaAverage car insurance costs in MontanaCar insurance costs in Montana by cityWant to know what you'll pay? Use the Montana car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330