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Average cost of car insurance in Montana for 2025

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How much is car insurance in Montana?

Montana national annual averages of $2,395 for full coverage and $408 for minimum insurance. You may be able to save further on Montana auto insurance rates if you understand the factors that affect the cost of car insurance. If you’re wondering,“How much is car insurance in Montana per month,” be sure to consider how your age, carrier, type of vehicle, elected coverage amount, driving record and ZIP code play a factor.

Key takeaways

  • Drivers in Montana pay an average annual rate of $2,395 for full coverage, which includes collision coverage and comprehensive coverage, while drivers pay an average rate of $408 per year for minimum coverage.
  • Montana drivers with excellent credit pay 15 percent less than average per year for full coverage.
  • Drivers who have a DUI on their license pay a premium rate that is 60 percent more per year than average in Montana.
  • Based on Bankrate's data, Milltown is the cheapest Montana city for car insurance, while Hays is one of the most expensive.
  • The average rate for a 16-year-old driver in Montana is $5,018 annually. By age 60, the average premium rises again to $2,222.

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Montana car insurance rates by city

Car insurance rates in Montana can change significantly over a few miles of distance compared to the state average, as indicated in the table below. There are several reasons why your location matters. For example, if you live in a congested urban area where heavy traffic leads to frequent fender-benders and subsequent claims, you may pay more than the state average for your policy. Here are average rates for some of Montana's largest cities:

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average