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:

Comprehensive $270
Collision $492
Liability $312

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.

Liability Only $370
Full Coverage $1,212
High Risk $2,614

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.

Enter your Montana zip code below to view companies that have cheap auto insurance rates.

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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.

Montana Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm22.23%$1,080
2Liberty Mutual12.24%N/A
3Progressive12.09%$961
4Farmers Insurance10.15%$1,557
5USAA6.28%$1,034
6Mountain West6.07%N/A
7Geico4.95%$1,706
8Allstate4.62%$2,049
9The Hartford3.91%N/A
10Farmers Union3.23%N/A
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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.

Montana Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,2765%
Dodge Ram$1,3127.6%
Ford Escape$1,008-20.2%
Ford Focus$1,172-3.4%
Ford Fusion$1,2845.6%
Ford F-150$1,138-6.5%
GMC Acadia$1,116-8.6%
GMC Sierra$1,2583.7%
Honda Accord$1,130-7.3%
Honda Civic$1,3228.3%
Honda CR-V$980-23.7%
Honda Pilot$1,150-5.4%
Hyundai Sonata$1,2281.3%
Kia Optima$1,2503%
Nissan Altima$1,2462.7%
Nissan Rogue$1,2160.3%
Toyota Camry$1,2341.8%
Toyota Corolla$1,206-0.5%
Toyota Prius$1,122-8%
Toyota RAV4$1,142-6.1%
Get Rates for Your Vehicle Quote Now

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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Rates by Driver Age

Montana Insurance Rates by Driver Age
Driver AgePremium
16$4,450
20$2,790
30$1,266
40$1,212
50$1,104
60$1,084

Full coverage, $500 deductibles

Rates by Deductible

Montana Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,546
$250$1,390
$500$1,212
$1,000$1,038

Full coverage, driver age 40

Rates by Liability Limit

Montana Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,212
50/100$1,274
100/300$1,352
250/500$1,555
100 CSL$1,306
300 CSL$1,477
500 CSL$1,602

Full coverage, driver age 40

Rates for High Risk Drivers

Montana Car Insurance Rates for High Risk Drivers
AgePremium
16$6,356
20$4,434
30$2,674
40$2,614
50$2,492
60$2,466

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.

SR-22 Surcharge $168

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$64
Multi-vehicle$62
Homeowner$17
5-yr Accident Free$91
5-yr Claim Free$78
Paid in Full/EFT$57
Advance Quote$60
Online Quote$86
Total Discounts$515
Rate after discounts $697

Discounts are estimated and may not be available from every company or in every state.

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