Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Montana costs $35 per month or $423 per year for minimum coverage, on average. The cheapest car insurance companies in Montana are USAA, QBE, and Progressive, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Montana is 37% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Montana, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Montana by Category
- After an at-fault accident: $146 per month
- Driver with poor credit: $56 per month
- Teen driver: $206 per month
- After a DUI: $62 per month
Average Cost of Car Insurance in Montana by Company
Company | Minimum Coverage | Full Coverage |
$740 per year | $2,736 per year | |
$292 per year | $1,695 per year | |
$596 per year | $2,922 per year | |
$230 per year | $1,541 per year | |
$548 per year | $2,439 per year | |
$495 per year | $1,656 per year | |
$212 per year | $1,152 per year | |
$200 per year | $1,308 per year | |
$239 per year | $1,313 per year | |
$159 per year | $954 per year |
Note: Rates are an approximation based on a 45-year-old man in Montana with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Montana by Age
Age | Average Premium |
$2,468 per year | |
$1,923 per year | |
$1,642 per year | |
$1,177 per year | |
$1,044 per year | |
$780 per year | |
$684 per year | |
$621 per year | |
$563 per year | |
$506 per year | |
$440 per year | |
$423 per year | |
$403 per year | |
$428 per year |
Note: Rates are an approximation based on a driver in Montana with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Montana
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Montana as well as our picks for the cheapest car insurance companies in Montana.
People also ask
How much car insurance do I need in Montana?
Drivers in Montana need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $20,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Montana is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerWhy is Montana car insurance so expensive?
Car insurance in Montana is expensive because it has the highest vehicle fatality rate in the country, with 22.6 deaths per 100,000 people (compared to the national average of 10). Montana often experiences severe weather, which leads to more claims and higher prices. In Montana, you can expect to pay around $3,941 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Montana is less expensive than the national average,...
read full answerWhat is the penalty for driving without insurance in Montana?
The penalties for driving without insurance in Montana include fines and imprisonment. You can avoid these consequences by meeting Montana’s proof of financial responsibility requirements. Montana requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $20,000 in liability coverage for property damage.
Purchasing Montana’s minimum liability car insurance coverage is the easiest way to satisfy the financial responsibility requirement. Drivers in Montana pay...
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