Car Insurance in Montana averaged $975 a year in 2023, 24% below the national average, per the NAIC, plus the rules that shape your policy.
What car insurance costs in Montana
Drivers in Montana spent an average of $975 a year on car insurance in 2023, 24% below the national average of $1,282. That is up 16.6% on what drivers here paid five years earlier. Average expenditure is what people actually paid per insured vehicle across every coverage level, not a quote generated from a sample driver profile.
Average premium by coverage (2023)
Liability: $472
Collision: $346
Comprehensive: $365
These are averaged over the vehicles carrying each coverage, so they do not sum to the expenditure figure above, which averages over all insured vehicles including those carrying liability only.
Montana rules worth knowing
Claims system: Tort
Minimum liability limits recorded for 2022: 25/50/20. Several states have amended their minimums since, so confirm the current figure with the regulator before you buy.
Vehicle thefts: 1.37 per 1,000 registered vehicles
