Let's drop your rate in MT today!
Compare Montana car insurance rates from top carriers
Discover quotes from top providers including:
How It Works
1. Answer a Few Questions
Tell us a bit about yourself and your vehicle to start comparing auto insurance quotes. It only takes a couple of minutes to get your personalized auto insurance options.
2. Compare Auto Quotes
We'll match you with top auto insurance providers so you can compare auto insurance quotes side by side and find the best value for your coverage needs.
3. Get Your Quote & Get Covered
Review your offers, get a quote, and choose the auto insurance policy that fits you best. It's fast, easy, and completely free.
Car Insurance in Montana: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Montana drivers pay about $2,402 a year for full coverage — roughly 11% below the national average. Montana is an at-fault state with a 25/50/20 liability minimum, and insurers can use credit history. Here's the coverage you must carry, what Montanans pay, and how to find a cheaper rate.
Avg. full coverage
$2,402/yr
≈11% below U.S. avg.
Avg. minimum coverage
$408/yr
≈51% below U.S. avg.
State minimum
25/50/20
Liability only required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−11%
Below national average
Compare Montana car insurance quotes from top carriersEnter your ZIP — it takes under 2 minutes
Minimum coverage required in Montana
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $20k | Required |
| Uninsured motorist | Optional | Offered; can be declined |
| Personal injury protection | Not required | Montana is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Montana premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,402/yr | 11% below U.S. | Comp + collision included |
| Minimum coverage | $408/yr | 51% below U.S. | 25/50/20 liability only |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
See your real Montana rate — not just averagesFree — no spam, no obligation
Montana estimated rates by driver profile (2026)
Estimates anchor each profile to Montana's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,402/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,435/yr | +43% | 2,402 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,978/yr | +24% | 2,402 × 1.24 (Bankrate avg) |
| DUI on record | ~$4,516/yr | +88% | 2,402 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$4,804/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$4,083/yr | +70% | 2,402 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Montana: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 11% below the national average
- ✓Minimum coverage is among the cheapest nationally (~$408/yr)
- ✓Low population density keeps urban-style claims rare
- ✓Competitive market with national and regional carriers
Works against you
- ✗Wildlife collisions and long rural distances raise claim severity
- ✗Harsh winters increase collision risk
- ✗Low 25/50/20 minimum leaves at-fault gaps
- ✗Credit history is a permitted rating factor
Ready to compare Montana carriers in your area?Free — no spam, no obligation
A closer look at car insurance in Montana
Montana's below-average pricing reflects low density, but rural realities — wildlife strikes, long distances, winter conditions — make comprehensive and collision coverage valuable. The 25/50/20 minimum is low relative to repair and medical costs, so higher limits are inexpensive insurance. With credit and location still creating differences between carriers, comparison shopping keeps a Montana premium competitive.
Bottom line
Montana is an affordable state where rural driving risk argues for keeping full coverage. Comparing carriers and maintaining good credit is the best way to keep a Montana rate low.
Ready to get quoted? Enter your ZIP to get startedWe'll connect you with carriers serving Montana
Frequently asked questions about Montana car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
AB Test AA Control: B