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Last updated: May 13, 2024

Average Cost of Car Insurance in Montana in 2024

How much is car insurance in the Treasure State?

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With more than 150,446 miles of public roads, including those winding through Yellowstone National Park and Glacier National Park, Montana residents have plenty of places to drive. Car insurance in Montana costs around 1 percent less than the national average. Continue reading to learn more about how much you might pay for car insurance, plus how to lower your premium.

Average Cost of Car Insurance in Montana

The average auto insurance cost in Montana is $1,937 annually for full coverage. If you’re one of the approximately 800,000 residents with a driver’s license, we’ll show you the averages for various demographics and situations, plus give you tips on discounts and state-specific insurance information.

By City

While Montana is the eighth-least-populous state, it still has plenty of cities amidst its wide-open spaces in Big Sky Country. Here’s a look at the average cost of full coverage car insurance in 10 Montana cities.

City Average annual rate for car insurance
Bainville $2,177
Billings $1,794
Custer $2,299
Edgar $2,322
Outlook $2,250
Richey $2,277
Sanders $2,327
Scobey $2,259
Vida $2,261
Wilsall $2,146

By Age

Montana teens pay some of the highest premiums in the country, with the average teenager paying $5,131 annually for car insurance. The good news is this drops significantly for drivers in their 20s and older. Remember to take advantage of discounts for young drivers to save.

Age Average annual rate for car insurance
16 $6,275
17 $5,413
18 $5,108
19 $3,729
20s $2,313
30s $1,478
40s $1,413
50s $1,765
60s $1,512
70s $1,991

By Gender

On average, women living in Montana pay a few dollars less than their male counterparts for auto insurance.

Gender Average annual rate for car insurance
Male $2,672
Female $2,648

By Marital Status

While residents in some states pay more if they’re not married, in Montana, single, married, divorced, or widowed drivers all pay, on average, the same rates.

Marital status Average annual rate for car insurance
Single $1,621
Married $1,621
Divorced $1,621
Widowed $1,621

By Coverage Level

More coverage translates into higher premiums, but it’s usually wise to buy more than the state minimum for auto insurance.

Coverage level Average annual rate for car insurance
Full $1,285
Minimum $412

By Violation

Keeping a clean driving record means lower premiums. Montana allows drivers to take defensive driving courses to receive a discount on their auto insurance.1

Driving record Average annual rate for car insurance
At-fault accident $2,480
Clean driving record $1,581
DUI conviction $2,518
Speeding ticket $1,923

By Company

Because all carriers have different ways of determining rates, the cost of auto insurance can widely vary by insurance company. USAA, on average, provides Montana residents with the lowest cost for insurance.

Company Average annual rate for car insurance
Farmers $2,472
GEICO $1,608
Progressive $1,419
State Farm $1,161
Kemper $1,559
USAA $864

By Credit Score

Montana residents with good or excellent credit will pay less for auto insurance.

Credit score Average annual rate for car insurance
Excellent $1,338
Good $1,726
Fair $1,979
Poor $2,861


You can improve your credit score by paying your bills on time and keeping your credit card balances low.

By Car

What kind of car you drive impacts car insurance premiums in Montana. The following chart has the average cost of insurance in Montana for some popular vehicle models:

Vehicle type Average annual rate of car insurance
Jeep Compass High Altitude $1,559
Toyota Prius $2,376
Mazda CX-30 $1,572
Ford F-150 $2,074
BMW M5 $4,836


If you drive a sports or luxury vehicle, you’ll pay more because the cost to repair your ride will be higher.

Cheapest Car Insurance in Montana

If you’re interested in the cheapest auto insurance rate in Montana, check out these companies for your specific demographic.

Demographic Cheapest Insurance Company Annual rate
Male USAA $834
Female USAA $834
Veteran USAA $864
Minimum coverage USAA $168
Full coverage Progressive $972
Excellent credit Progressive $837
Poor credit Progressive $2,720
Speeding ticket State Farm $1,872
Accident State Farm $2,388
DUI Progressive $1,109
16 years old Nationwide $4,194
17 years old QBE Insurance Group $2,719
18 years old QBE Insurance Group $2,409
20s QBE Insurance Group $1,937
30s State Farm $1,435
40s State Farm $1,377
50s State Farm $1,377
60s State Farm $1,317
70s State Farm $1,224

How to Save on Car Insurance in Montana

Most auto insurance companies have multiple ways you can save on premiums. Here are some of the most popular ones:

  • Go to driving school. The Montana Department of Transportation has a list of approved defensive driver courses2 for drivers age 55 and older to get an auto insurance discount. In addition, the state offers a four-hour general defensive driving course anyone may take.
  • Get multiple insurance quotes. This helps you compare policies to locate the best one for the best cost for you.
  • Take advantage of discounts. Popular discounts include multi-car, multi-policy, good student, low mileage, paperless, automatic bill pay, and safety equipment.
  • Increase your deductible. Safe drivers with no claims or traffic accidents might benefit from having a higher auto insurance deductible since they would be less likely to file a claim.

Minimum Car Insurance in Montana

Montana residents are required to have bodily injury liability and property damage liability:

  • Bodily injury liability insurance: $25,000 per person
  • Bodily injury liability insurance: $50,000 per accident
  • Property damage liability coverage: $20,000 per accident

Montana does allow motorists to self-insure instead of buying a policy.3 To do so, the driver must file a $55,000 deposit with the state treasurer for a certificate of deposit for their proof of financial responsibility.


With around 9 percent of Montana drivers uninsured, you should consider adding underinsured/uninsured coverage to your policy.

Fault Law in Montana

Montana is an at-fault state, meaning whoever caused the accident is responsible for paying all the damages. It also has modified comparative negligence laws, determining payments in personal injury claims. For example, if you’re hurt in an accident, you may receive compensation from the other party only if you were less than 50 percent at fault for the incident. If you are determined to be 55 percent or more responsible for the crash, you cannot get any payments from the other driver.


In Montana, you must file an SR-22 if you meet one of the following criteria:

  • Convicted of a DUI
  • Caught operating a motor vehicle without insurance
  • Have excessive points on your license
  • Have a serious traffic violation
  • Have child support or other judgments against you

You typically would have to file an SR-22 for three years. After you file your SR-22 form, your license can be reinstated.


For those who live in Big Sky Country, driving along one of the many state highways brings gorgeous scenery and wide-open spaces. Because Montana is an at-fault state, you should insure your vehicles for more than the required minimum for better protection. can assist you in finding the right coverage for you.

Methodology has more than 20 years’ experience working with the best insurance companies in the country. We use this proprietary data about carriers and customers relating to the car insurance industry to bring you the best information on how much insuring your car in Montana will cost. We also look at state-specific information, such as minimum coverage, fault systems, and SR-22s, to give you all the data you need to purchase car insurance.

Frequently Asked Questions

What happens if you get pulled over without insurance in Montana?

Montana law mandates you have proof of auto insurance in your vehicle at all times. You must show this proof to any law enforcement officer who asks for it. If caught driving without car insurance, you face a misdemeanor. For a first offense, you could be fined between $250 and $500 or face up to 10 days in jail.

Is personal injury protection required in Montana?

No. Montana does not require drivers to have personal injury protection (PIP) coverage on their car insurance policy. PIP covers any medical expenses or lost wages because of an auto accident.

Do you need a police report to file an insurance claim in Montana?

No. Montana law does not require you to file a police report to put in an insurance claim on an auto accident. However, you must report a car accident if anyone involved is injured or killed or there is $1,000 or more in property damage.

What is diminished value in Montana?

Diminished value means the loss in market value when a vehicle is wrecked and then repaired. A person should not pay the same for a repaired car with an accident history as they would for a vehicle without accidents.


  1. Auto Insurance. Troy Downing CSI. (2024).

  2. Driving courses certified for the 55+ auto insurance discount as per MCA 33-16-222. Montana Department of Transportation. (2021, Nov 29).