Montana Car Insurance Calculator
Numbers refreshed
No name, email or phone is needed for three questions. The average for Montana is already set.
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What is the main driver's age?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
The estimate draws on Montana averages
NAIC averages for Montana are where the calculator begins. Age, driving record and the car are then factored in.
| 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).
The way the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Additional information on car insurance in Montana
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