Average Car Insurance Cost in Montana (2025)
Drivers in Montana pay an average of $119 per month for car insurance.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
Car insurance in Montana costs an average of $163 per month for a full-coverage policy and $76 for a liability policy. That’s noticeably lower than the U.S. averages of $196 and $105, respectively.
Montana drivers enjoy relatively cheap car insurance because of the Big Sky Country’s low population density. It has the lowest population density of all 50 states, according to U.S. Census Bureau data, which typically means fewer accidents and claims. But the state’s harsh winters can drive rates up.
Over the past few years, car insurance premiums in Montana have increased, reflecting increasing national repair costs and inflation trends, but they remain lower than the national average.
Here’s what you need to know to find cheap car insurance in Montana.
Quick Facts
Pickups and SUVs are popular in Montana, but they come with higher insurance costs due to their size and higher repair costs.
Car insurance premiums tend to be highest in Billings, Montana’s largest city.
Montana requires drivers to carry minimum insurance limits of 25/50/20.
How much is car insurance in Montana?
On average, the rate for full-coverage car insurance in Montana is $163 per month, or $1,954 per year. If you opt for liability coverage, the average monthly rate drops to roughly $76, and the annual rate is $912, according to Insurify data.
Full-coverage car insurance typically includes bodily injury and property damage liability coverage, comprehensive coverage, and collision coverage. Liability insurance policies cover only the damage and injuries you cause to others. Liability policies meet the state’s minimum coverage requirements but offer no protection for your vehicle.[1]
Your actual premiums will vary based on your driving history, vehicle type, and location within the state.
See More
To find car insurance rates in Montana and the U.S. over the last two years, download our data here.
Average Montana car insurance rates by city
Car insurance rates vary widely from city to city, even ZIP code to ZIP code. Factors like local traffic patterns, population density, crime rates, and weather conditions influence your premiums. For example, drivers in Billings, Montana’s largest city, pay higher average rates than drivers in smaller towns like Bozeman because of the higher chance of accidents.
The table below shows the average monthly premiums for liability-only and full-coverage car insurance policies in several Montana cities.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Bozeman | $72 | $152 |
| Helena | $79 | $164 |
| Missoula | $79 | $143 |
| Great Falls | $81 | $161 |
| Billings | $85 | $174 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Montana (2025)
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Average Montana car insurance rates by age and gender
Your age and gender play a big part in your car insurance rates. Young drivers in Montana, especially teens and drivers younger than 25, pay higher rates because of their lack of experience and high risk of accidents. Rates generally decrease as drivers age and gain experience.
Gender also affects rates. Male drivers, particularly young men, usually pay higher rates because they’re statistically more likely to engage in risky driving behavior that can lead to an accident. Over time, these differences tend to level out.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $154 | $328 |
| 18 | $134 | $285 |
| 20 | $104 | $222 |
| 25 | $91 | $193 |
| 30 | $77 | $163 |
| 40 | $68 | $145 |
| 50 | $65 | $140 |
| 60 | $60 | $129 |
| 70+ | $62 | $134 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $157 | $335 |
| 18 | $136 | $291 |
| 20 | $106 | $226 |
| 25 | $92 | $196 |
| 30 | $79 | $167 |
| 40 | $70 | $147 |
| 50 | $67 | $142 |
| 60 | $62 | $131 |
| 70+ | $64 | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Montana
The cost of insuring your vehicle also depends on the make and model. In Montana, popular vehicles include pickups and sport utility vehicles (SUVs). Montana residents favor models like Ford F-Series trucks and Chevy Silverados because they’re durable and can handle Montana’s rough weather, rural roads, and outdoor lifestyles.
Insurance costs for pickups and SUVs may be higher due to their size and repair costs, but their safety features can help offset premiums.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $159 |
| Chevrolet Silverado | $169 |
| Ram 1500/2500/3500 | $189 |
| GMC Sierra | $171 |
| Toyota RAV4 | $156 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Montana
Your driving record is one of the biggest factors insurance companies consider when setting your rates. A clean driving record typically leads to lower rates because it shows you’re a lower-risk driver. Drivers with a clean record pay $121 per month, on average.
On the other hand, tickets, accidents, driving under the influence (DUI), and other violations can cause your rates to rise — sometimes substantially. Insurance companies view these incidents as indicators of risky behavior that increase the likelihood of future claims.
Below is a table showing the rates for a sample driver profile with an incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $180 | 49% |
| With speeding ticket | $168 | 39% |
| With DUI | $205 | 69% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Montana allows insurance companies to use credit history when setting car insurance premiums. Drivers with good or excellent credit usually pay lower rates because insurance companies view them as less likely to file claims. On the other hand, people with poor credit pay higher rates.[2]
The table below shows how average monthly premiums vary by credit tier and coverage amount.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $58 $122 Good $63 $134 Fair $71 $151 Poor $87 $186 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Montana
While Montana’s car insurance rates are lower than the national average, you probably want to pay as little as possible for the coverage you need. Whether you’re a new driver or looking to renew your insurance policy, here are a few strategies for saving money:[3]
Shop around and compare quotes
Prices can vary widely between companies. Shopping around helps you find the best deal available.
Bundle your policies
Many insurance companies offer bundling discounts when you buy both your car insurance and homeowners or renters insurance from them.
Maintain a clean driving record
Avoiding accidents, speeding tickets, and other violations keeps your rates low over time.
Improve your credit
Since Montana lets insurance companies factor credit history into rates, paying your bills on time and paying off debt can positively affect your credit and, eventually, your premium.
Choose a higher deductible
Opting for a higher deductible lowers your monthly rate. Just make sure you can afford the higher out-of-pocket costs if you need to file a claim.
Take advantage of discounts
Ask about discounts for things like safe driving, low annual mileage, taking a defensive driving course, or getting good grades (if you’re a student).
Drive a safe vehicle
Cars equipped with airbags, anti-lock brakes, or anti-theft systems may qualify for lower insurance costs.
Montana average car insurance cost FAQs
If you’re shopping for car insurance in Montana, the additional information below can help you make an informed decision while you research your coverage options.
The average annual rate for full-coverage car insurance is $1,954 in Montana. For liability-only coverage, the average annual rate is $912. Your rates may vary based on your driving history, age, ZIP code, and vehicle type.
Rates vary depending on your personal rating factors, but some of the cheapest car insurance companies in Montana often include Safeco, Root Insurance, and The General. Comparing quotes from multiple companies is the best way to find the lowest rate.
On average, Montana drivers pay a monthly rate of $163 for full-coverage car insurance and $76 for liability insurance. These rates are lower than the national average.
Some of the top-rated car insurance companies in Montana include State Farm, USAA, Progressive, Allstate, and GEICO. These companies are known for competitive rates, good customer service, and a variety of coverage options and discounts.
Montana requires all vehicles registered in the state to carry liability insurance at the following minimum limits:[4]
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$20,000 in property damage liability
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "What is covered by a basic auto insurance policy?."
- Experian.com. "Do Auto Insurance Companies Consider Your Credit Score?."
- III. "Nine ways to lower your auto insurance costs."
- Montana Department of Insurance. "Montana’s Minimum Liability Insurance Law for Motor Vehicles."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.