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Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
The state of Montana only requires drivers to , although drivers may choose to have a higher level of coverage based on their financial concerns or if they are required to do so by a lender. The for minimum coverage is $342 per year. However, it is important to note that minimum liability coverage does not provide you with any reimbursement for your vehicle repairs or loss if you are at-fault in an accident. If the cost of replacing your car is more than you can afford, full car insurance will provide a greater degree of financial protection. According to 2021 quoted premiums, average car insurance rates in for full coverage car insurance is $1,737 per year. See More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Compare rates and save on auto insurance today! Get quotes Close X How much is car insurance in Montana
Montana rates are comparatively low, relative to the of $1,674 for full coverage and $565 for minimum insurance. You may be able to save further on Montana auto insurance rates if you understand the factors that affect the cost of car insurance. Some of the most significant factors that determine "how much is car insurance in Montana per month" include your age, carrier, type of vehicle, your elected amount of coverage, your driving record and ZIP code. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Montana car insurance rates by company
To find the for coverage that fits your needs, compare how car insurance rates in Montana can vary based on the you are considering. Among the providers you are considering, request online quotes to find which offers the best coverage, rates, discounts, support or other factors that you value in a provider. You may find that could save you considerably. CAR INSURANCE COMPANY AVERAGE ANNUAL PREMIUM FOR MINUMUM COVERAGE AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE $656 $2,389 $715 $2,607 $557 $2,305 $519 $1,591 $573 $2,284 Safeway $549 $2,191 $665 $1,939 Southern Farm Bureau $368 $1,333 $337 $1,318 $301 $1,109 Note that USAA is the cheapest carrier on the list based on quoted premiums, but it is only available to veterans, military personnel and family. The may not be included in this list, or may have rates that vary from the 2021 averages indicated here. Montana car insurance rates by city
Car insurance rates in Montana can change significantly over a few miles of distance compared to the state average, as indicated in the table below. Annual premiums for the top 20 most-populated cities are as follows: CITY AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE % DIFFERENCE FROM STATE AVERAGE ANNUAL PREMIUM Billings $1,644 -5% Missoula $1,466 -16% Great Falls $1,582 -9% Bozeman $1.606 -8% Kalispell $1,753 1% Helena $1,510 -13% Butte $1,652 -5% Belgrade $1,607 -7% Columbia Falls $1,754 1% Hamilton $1,580 -9% Whitefish $1,748 1% Miles City $1,852 7% Livingston $1,871 8% Havre $1,912 10% Laurel $1,626 -6% Lewistown $1,871 8% Stevensville $1,603 -8% Anaconda-Deer Lodge County $1,607 -7% Helena Valley West Central $1,508 -13% Evergreen $1,753 1% Montana car insurance rates by age
Younger drivers will usually face higher rates regardless of driving record, due to lack of years of experience and correlating higher risk. Fortunately, Montana auto insurance rates drop significantly after each birthday, leveling out when drivers reach the age of about 30. In the meantime, taking advantage of good student or youth discounts could help lower the following Montana car insurance rates grouped by age: AGE AVERAGE ANNUAL FULL COVERAGE PREMIUM IN MONTANA $2,298 $5,461 $4,240 $2,094 $1,923 $1,851 $1,709 $1,673 Age 70 $1,800 *16-year-old cost when added to their parents' policy Montana car insurance rates by driving record
A clean driving record is effectively the best way to see the lowest rates, in most cases. Avoiding tickets and accidents not only keeps your vehicle insurance premiums lower, but also saves you the cost of the violation itself. Until recently, the state of Montana had . But if caught speeding now, Montana drivers may now expect to pay upwards of . In addition, car insurance increased an average of 19% for Montana drivers with a speeding ticket on their driving record, based on 2021 quoted premiums. Other incidents affected rates even more. DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MINNESOTA % INCREASE IN AVERAGE ANNUAL PREMIUM $2,061 19% $2,367 36% $2,915 68% How to save on car insurance in Montana
While Montana car insurance rates are lower than other states, you can typically find extra savings in a few ways. Driving school: Points from moving violations remain on your record for in Montana, potentially affecting your car insurance rates for that period of time or longer. The state does not automatically allow you to attend in exchange for a points reduction. But you could attend court for the ticket and request traffic school authorization from the judge. Shop around for car insurance: As shown in the table above, the same level of car insurance in Montana could vary in price over $1,000 by providers. Getting multiple car insurance quotes to compare is vital to finding the lowest premiums. Fortunately, nearly every carrier has a short, easy online quoting tool available to help you round up the information you need in just a few minutes. Look for discounts: Car insurance companies offer a few discounts to policyholders that could potentially help you save on coverage. These range from college and youth discounts to low-mileage or safety equipment discounts. For younger drivers facing higher rates, this can be particularly helpful if they qualify for the discounts. Raise your deductible: If you are a safe driver with no traffic accidents or claims, you could consider raising your deductible since you are less likely to face an accident or claim. Although raising your deductible could save you money on your premium, experts recommend you only do so if you are able to afford the higher amount in the event of a claim. Frequently asked questions
Based on 2021 quoted premiums from Quadrant Information Services, USAA, State Farm and Southern Farm Bureau rank as the cheapest car insurance companies in the state. However, many factors could affect your premiums and these providers may not be the cheapest for you. To find the lowest rates, get quotes from several providers to compare.
The average cost of car insurance in Montana for minimum coverage is $342 per year and $1,737 a year for full coverage. That amounts to roughly $28.50 or $144.75 per month on average, based on the level of coverage you buy.
Full coverage car insurance is more expensive than minimum coverage because it adds two additional types of insurance protections to your vehicle policy. Full coverage adds comprehensive and collision insurance, both which add reimbursement and replacement for damages caused to your car from losses such as weather, fire, theft and crashes. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Cynthia Paez Bowman Personal Finance Contributor Cynthia Paez Bowman is a former personal finance contributor at Bankrate. She is a finance and business journalist who has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com.