Average Car Insurance Cost in Montana
Numbers refreshed
NAIC averages for Montana break down by coverage and show where the state ranks nationwide.
- $1,322.yearly average for full coverage.
- 25/50/20.required minimum liability limits.
- 37th of 51.states by cost (1st = highest).
Montana average costs by coverage type
In Montana, full coverage costs $1,322 each year on average. Across the US, the yearly average is $1,613, and Montana comes in 18% below that.
In 2023, average spending per insured car was $975; by 2024, it reached $1,081, up 10.9%.
| Coverage in Montana | Per year | Per month |
|---|---|---|
| Liability | $530 | $44 |
| Collision | $386 | $32 |
| Comprehensive | $406 | $34 |
| Full coverage (all three) | $1,322 | $110 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Montana compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Tennessee | 34th | $1,354 | $113 |
| Nebraska | 35th | $1,345 | $112 |
| Kentucky | 36th | $1,337 | $111 |
| Montana | 37th | $1,322 | $110 |
| Kansas | 38th | $1,295 | $108 |
| South Dakota | 39th | $1,291 | $108 |
| Wyoming | 40th | $1,262 | $105 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The figure for you
Averages cover all ages and records. The Montana calculator adjusts for your age and record.
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