Average Car Insurance Cost in Montana (2024)

The average cost of insurance in Montana is nearly the same as the national average of $158. Montana is the third least densely populated state in the country, which may explain the state’s affordable insurance rates. However, coverage costs can vary depending on your city, age, credit history, gender, and driving record.

Here’s what you should know about Montana car insurance, including how much you can expect to pay.

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What’s the average cost of car insurance in Montana?

Drivers in Montana pay an average of $86 per month for liability-only insurance and $182 for full-coverage insurance. The average costs for car insurance premiums are similar to the national average rates of $104 per month for liability coverage and $211 for full coverage.

Because a number of factors can influence your car insurance costs, including which company you buy coverage from, it’s important to compare multiple quotes before finalizing your insurance policy.

Here are the cheapest car insurance companies for drivers in Montana.

Average Montana car insurance rates by city

Your location affects how much you pay for car insurance coverage, even within the same state. For example, drivers in large cities tend to pay more than drivers in rural areas. Montana doesn’t have many big urban centers. Billings, the state’s largest city, has a population of around 120,000 people.^[2] Car insurance rates across the state are fairly similar.

The average costs of liability-only car insurance in Billings, Great Falls, Helena, and Missoula only differ by a few dollars. But drivers in Bozeman can expect to pay nearly $20 less each month than other drivers in the state.

Here’s how much you can expect to pay for car insurance in the following Montana cities.

Average Montana car insurance rates by age

Age is another factor that affects how much you pay for car insurance. Young drivers — especially teenagers — pay the highest premiums due to unsafe driving habits and a lack of experience.

Auto insurance rates decrease for drivers as they get older, with drivers earning the lowest rates around retirement age. Senior drivers older than 70 may face slight rate increases as insurers account for aging-related risk factors.^[3]

Here are the average car insurance quotes in Montana for each age group.

How gender affects car insurance rates in Montana

Women tend to have fewer car accidents and high-risk traffic violations than men. As a result, women usually pay lower rates for car insurance. The price difference between men and women in Montana is small but noticeable, especially when considering gender alongside age.

For example, young men pose a much higher driving risk than young women, so male teenagers face higher average rates. The cost difference for men and women decreases with age.

Here are the average quotes for men and women by age in Montana.

How your driving record affects car insurance rates in Montana

Your driving record is a history of your vehicle violations. If you’ve had an at-fault accident, speeding ticket, DUI, or other moving violation, it will appear on your record. Insurers review your driving record to determine risk.

Incidents on your record indicate that you have a higher likelihood of filing claims in the future, which costs insurance companies money. As a result, insurers charge you more in anticipation of future costs. On average, Montana drivers with an incident on their record pay $181 per month for car insurance.

Here are the average car insurance quotes for Montana residents by driving record.

Average Montana car insurance rates by marital status

Married drivers may have additional savings and usually pay less for car insurance than their single peers. Car insurance companies may view married couples as having more financial stability. And married drivers can benefit from multi-vehicle and bundling discounts, which can decrease their car insurance costs.

Compared to the rate for married drivers, the average annual rate for single drivers in Montana is nearly $50 more for liability coverage and almost $120 more for a full-coverage policy.

Here are the average quotes in Montana based on marital status.

Average Montana car insurance rates by credit tier

Car insurance companies in Montana can use credit-based insurance scores to determine risk. Drivers with good or excellent credit pose less risk to insure and, as a result, have cheaper rates. Insurers may view people with poor credit as riskier to insure and charge them higher rates accordingly.^[4]

Here’s how car insurance prices in Montana differ by credit tier and coverage level.

Montana car insurance FAQs