Full Coverage Car Insurance in Montana
Numbers refreshed
Based on Montana averages, the price covers liability, collision and protection against non-collision damage.
- Full coverage averages $110 a month.
- The minimum liability limits are 25/50/20.
- Most expensive state, 37th of 51 (1st = highest).
How much full coverage costs in Montana
Full coverage includes liability plus collision and protection against non-collision damage. Those two parts cost $791 a year in Montana, added on top of the $530 liability average.
| 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 point where full coverage stops paying off
If you still owe money on the car, lenders and lease companies require it.
After the car is paid for, compare its value with the extra annual cost of $791. Usually liability only is the better deal if a single bad year of premiums would pay for most of the car's value.
Montana full coverage by car
These estimates are for an adult with a clean record and use IIHS-HLDI loss results. Of the 40 models we price, here are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $857 | $71 |
| Honda Pilot | $881 | $73 |
| Subaru Outback | $944 | $79 |
| Toyota RAV4 | $969 | $81 |
| Mercedes-Benz C-Class | $1,848 | $154 |
| Chevrolet Camaro | $2,235 | $186 |
| Dodge Charger | $2,258 | $188 |
| Dodge Challenger | $2,500 | $208 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
First written