Car Insurance in Montana
The numbers were updated on
Prices paid by Montana drivers, required minimum limits and which insurers charge the least.
- $110.the monthly average for full coverage.
- 25/50/20.the minimum liability limits.
- 37th of 51.the most expensive state (1st = highest).
Car insurance prices in Montana
With full coverage, the average Montana driver pays $1,322 each year, or about $110 monthly. A policy that carries just the legal minimum averages $530 a year. The US average is $1,613 a year, so that is 18% less.
| 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's legal minimum
The legal minimum in Montana is 25/50/20 liability. Each person hurt is covered for at least $25,000, everyone hurt in a single crash for at least $50,000 and other people's property damage for at least $20,000.
In Montana, the at-fault driver pays through their liability cover after a crash.
Uninsured motorist cover isn't required, though insurers must offer it in most states.
Source: Montana Commissioner of Securities and Insurance, Auto.
How many Montana drivers lack insurance
In 2023, about 7% of Montana drivers had no car insurance, ranking 47th highest among the 51. If one of them hits you, uninsured motorist cover pays your bills.
First written on