Find Cheaper Montana Car Insurance Rates in 2024

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

Average insurance rates in Montana for 2024 are $1,510 annually for full coverage insurance. Comprehensive insurance, collision insurance, and liability cost around $336, $614, and $390, 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: $1,510

Premium estimates for type of coverage:

Comprehensive $336
Collision $614
Liability $390

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 $464 for just liability insurance to the much higher price of $3,264 for a policy for a high-risk driver.

Liability Only $464
Full Coverage $1,510
High Risk $3,264

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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Montana car insurance rate comparison chart
Column chart showing Montana car insurance prices range from $868 to $5,556 for full coverage

The chart estimates Montana car insurance prices for various risks and coverage choices. The cheapest discount price is $868. Insureds who use higher $1,000 deductibles will pay $1,296. The average price for a driver age 40 with no violations using $500 deductibles is $1,510. Selecting more expensive $100 deductibles for physical damage coverage could cause an increase to $1,930. Drivers considered high risk could be charged as much as $3,264. The rate for full coverage for a 16-year-old driver can get as high as $5,556.

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 $1,800 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $640 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 $351 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
Rank Company Market Share Average Rate
1 State Farm 22.23% $1,080
2 Liberty Mutual 12.24% N/A
3 Progressive 12.09% $961
4 Farmers Insurance 10.15% $1,557
5 USAA 6.28% $1,034
6 Mountain West 6.07% N/A
7 Geico 4.95% $1,706
8 Allstate 4.62% $2,049
9 The Hartford 3.91% N/A
10 Farmers Union 3.23% 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 $1,400 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 $5,500 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 Model Premium % to Avg
Chevrolet Silverado $1,594 5.3%
Dodge Ram $1,638 7.8%
Ford Escape $1,256 -20.2%
Ford Focus $1,460 -3.4%
Ford Fusion $1,602 5.7%
Ford F-150 $1,420 -6.3%
GMC Acadia $1,390 -8.6%
GMC Sierra $1,568 3.7%
Honda Accord $1,410 -7.1%
Honda Civic $1,652 8.6%
Honda CR-V $1,224 -23.4%
Honda Pilot $1,434 -5.3%
Hyundai Sonata $1,532 1.4%
Kia Optima $1,562 3.3%
Nissan Altima $1,554 2.8%
Nissan Rogue $1,518 0.5%
Toyota Camry $1,538 1.8%
Toyota Corolla $1,504 -0.4%
Toyota Prius $1,402 -7.7%
Toyota RAV4 $1,424 -6%
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 $1,200 a year, while Whitefish and Columbia Falls may see prices closer to $1,900. 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.

View Chart as Image

Montana insurance rates by city

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

Rates by Driver Age

Montana Insurance Rates by Driver Age
Driver Age Premium
16 $5,556
20 $3,486
30 $1,584
40 $1,510
50 $1,378
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Montana Car Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,930
$250 $1,736
$500 $1,510
$1,000 $1,296

Full coverage, driver age 40

Rates by Liability Limit

Montana Car Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,588
100/300 $1,686
250/500 $1,939
100 CSL $1,627
300 CSL $1,842
500 CSL $1,998

Full coverage, driver age 40

Rates for High Risk Drivers

Montana Car Insurance Rates for High Risk Drivers
Age Premium
16 $7,942
20 $5,538
30 $3,342
40 $3,264
50 $3,112
60 $3,082

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $113
5-yr Claim Free $97
Paid in Full/EFT $71
Advance Quote $75
Online Quote $107
Total Discounts $642
Rate after discounts $868

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

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