Montana Car Insurance Quotes & Average Rates
Full coverage car insurance in Montana is estimated at $1,969 a year, or $164 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $506 a year. Montana is an at-fault state, and drivers must carry 25/50/20 liability limits. Below you will find estimated rates for 7 Montana cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Montana
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Montana
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,496 | $125 | -24% | Military members and families only |
| Geico | $1,615 | $135 | -18% | Usually cheapest for clean records |
| State Farm | $1,733 | $144 | -12% | Strong for young and student drivers |
| Progressive | $1,871 | $156 | -5% | Competitive after a ticket or accident |
| Travelers | $1,910 | $159 | -3% | Good multi-policy discounts |
| Nationwide | $1,969 | $164 | 0% | Mid-market, wide availability |
| Allstate | $2,245 | $187 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,382 | $199 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Montana. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Montana car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,320 | $1,368 | $443 |
| 18 years old | $4,487 | $1,154 | $374 |
| 20 years old | $3,716 | $955 | $310 |
| 22 years old | $3,086 | $794 | $257 |
| 25 years old | $2,355 | $606 | $196 |
| 30 years old | $2,030 | $522 | $169 |
| 40 years old | $1,909 | $491 | $159 |
| 50 years old | $1,827 | $470 | $152 |
| 60 years old | $1,807 | $465 | $151 |
| 65 years old | $1,888 | $486 | $157 |
| 70 years old | $2,071 | $533 | $173 |
| 75 years old | $2,416 | $621 | $201 |
Estimated premiums by age in Montana, clean record, sedan.
How violations change your Montana premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,969 | — |
| 1 speeding ticket | $2,422 | +23% |
| 1 at-fault accident | $2,895 | +47% |
| DUI / DWI | $3,722 | +89% |
What a violation costs a 35-year-old in Montana. Surcharges normally stay on the policy for three to five years.
A DUI in Montana usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Montana minimum insurance requirements
| Required coverage in Montana | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $20,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Montana Department of Insurance before you buy.
Coverage levels in Montana
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $506 | $42 |
| Full coverage (100/300/100 + comp & collision) | $1,969 | $164 |
| Full coverage, high limits + low deductible | $2,344 | $195 |
Coverage level comparison for Montana.
Car insurance rates in Montana cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 7 Montana cities we price.