Average car insurance cost in Montana
Montana sits in the pricier half of the country at #29 of 51, with average premiums about 1% above the national average — roughly $36 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Montana compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Montana next to nearby states:
| State | Full coverage /mo | Difference vs MT |
|---|---|---|
| Montana | $211 | — |
| Idaho | $148 | −$63/mo |
| Wyoming | $131 | −$80/mo |
| North Dakota | $180 | −$31/mo |
| South Dakota | $196 | −$15/mo |
Montana car insurance FAQ
How much is car insurance in Montana?
Full-coverage car insurance in Montana averages $211 per month ($2,532 per year). A state-minimum liability policy averages $52 per month ($624 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Montana more expensive than average?
Yes. Montana's full-coverage average of $211/month is about 1% above the U.S. average of $208/month, ranking #29 of 51 (1 = cheapest).
Is Montana a no-fault state?
No. Montana is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Montana?
Minimum liability in Montana averages $52/month versus $211/month for full coverage — a gap of $159/month, or $1,908/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.