Montana Car Insurance Calculator
Calculate your auto insurance cost in Montana. Compare with state averages and find savings.
$1,456
Avg Annual Premium
25/50/20
Min Liability
Monthly Avg
$121
Full Coverage
$1,867
Min Coverage
$498
Uninsured Rate
7.4%
Montana Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Montana
Rural drivingWildlife collisionsWinter weather
Major Metro Areas in Montana
BillingsMissoulaGreat FallsBozemanHelena
FAQ
Montana Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Montana
The average annual car insurance premium in Montana is $1,456, or about $121 per month. Full coverage averages $1,867 annually, while minimum coverage averages $498. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Montana requires minimum liability coverage of 25/50/20 ($25,000/$50,000 for bodily injury and $20,000 for property damage).
Key factors affecting Montana car insurance rates include: Rural driving, Wildlife collisions, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 7.4% of drivers in Montana are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Montana car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Montana include: State Farm, GEICO, Progressive, Farmers, Mountain West Farm Bureau. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MT Insurance Costs
Average premiums in Montana:
- Annual Average$1,456
- Monthly Average$121
- Full Coverage$1,867
- Minimum Coverage$498
MT Requirements
Minimum coverage required:
- Liability25/50/20
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate7.4%
Top MT Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farmers
- •Mountain West Farm Bureau