Montana Car Insurance Rates
Average insurance rates in Montana for 2018 are $1,212 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $270, $492, and $312, respectively. Whitefish, Columbia Falls, and Evergreen have more expensive auto insurance rates, and the three companies with the most written premium are State Farm, Liberty Mutual, and Progressive.
Average rate for full coverage: $1,212
Premium estimates for type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Car Insurance in Montana
Using a 40-year-old driver as an example, prices range from the low end price of $370 for just liability insurance to the much higher price of $2,614 for a policy for a high-risk driver.
These differences illustrate why everyone should get quotes for a specific zip code, instead of depending on averaged prices.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Montana Insurance
The chart estimates Montana car insurance prices for various risks and coverage choices. The cheapest discount price is $697. Insureds who use higher $1,000 deductibles will pay $1,038. The average price for a driver age 40 with no violations using $500 deductibles is $1,212. Selecting more expensive $100 deductibles for physical damage coverage could cause an increase to $1,546. Drivers considered high risk could be charged as much as $2,614. The rate for full coverage for a 16-year-old driver can get as high as $4,450.
Insurance rates in Montana can also vary considerably based on your vehicle choice, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers ranges from 45% to 129% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $510 annually, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $281 more per year. View Rates by Deductible or Liability Limit
The company you buy your policy from affects the cost of coverage. Each company sets their own rates, and prices have large differences based on indivdual risk characteristics.
In Montana, auto insurance prices range from $845 with Safeco to as high as $2,049 with Allstate. Other companies like Progressive, USAA, and State Farm generally fall somewhere towards the middle. Those most likely are not the prices you would have to pay, as your Montana zip code, your driving history, and your vehicle make and model all factor in.
|Rank||Company||Market Share||Average Rate|
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,400 a year. View Rates by Age
The make and model of vehicle you drive has a significant impact on the price of auto insurance in Montana. Buying a more affordable and lower horsepower vehicle will be cheaper to insure primarily due to cheaper repair costs and lower medical and liability claims. This table shows car insurance premium estimates for the best selling vehicles insured in Montana.
|Make and Model||Premium||% to Avg|
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Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Where you live in Montana plays a big part in determining prices for auto insurance prices. Areas with less traffic congestion could see prices as low as $900 a year, while Whitefish and Columbia Falls may see prices closer to $1,500. Geographically different areas with close proximity in the same city can have a wide range of rates.
These geographic rate differences demonstrate the need to quote rates for your specific Montana zip code.
With so much variability in prices, the only way to figure out your exact price is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, so the rates can be significantly different.
Montana Auto Insurance Articles
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$91|
|5-yr Claim Free||$78|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.