Car insurance in Montana
Drivers in Montana paid $1,184 a year for full coverage in 2023, 18% below the national average. With prices up since, figure on about $1,400 today. In Montana, the law asks for at least 25/50/20 liability.
What people pay in Montana
A typical yearly price today
about $1,400 a year (about $115 a month)
Montana's average full-coverage cost in 2023 was $1,184, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,400.
That makes Montana the 15th least expensive of the 50 states and DC (tied with Nebraska). Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Montana next to its neighbors
A typical policy costs more in Montana than in all four of its neighbors.
| State | Typical price, 2023 | Moving to Montana from there |
|---|---|---|
| Montana | $1,184 | Not a move |
| Idaho | $981 | About $280 more a year |
| North Dakota | $961 | About $300 more a year |
| South Dakota | $1,158 | About the same |
| Wyoming | $1,180 | About the same |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Montana's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $472 in Montana in 2023 (about $560 today, brought up the same rough way), the 10th lowest of the 50 states and DC. That's about 40% of the full-coverage price; the rest pays to fix or replace your own car.
Montana requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured motorist coverage is included unless you sign a form turning it down. Underinsured motorist coverage is optional.
Good to know: Montana's law gives you the right to turn down uninsured motorist coverage without saying it has to be in writing, so we mark it "included unless you decline." The state insurance office says you sign a form to do it.
What we couldn’t confirm: We read the insurance office's page through a summarizing tool because it blocked direct downloads. We marked underinsured motorist coverage not required because we found no law requiring it, but no source we read says it's optional. We marked medical payments coverage not required because we found no law requiring it, not because a law says it's optional.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries comes with your policy at $25,000 per person and $50,000 per crash unless you turn it down. After you do, renewals leave it out unless you ask for it in writing.
- Checked
- September 22, 2026
A new teen driver in Montana
Adding a 16-year-old to a typical policy
about $930 more a year
About $80 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,750–$3,100 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,030 a year in Montana (roughly $3,050–$5,750).
What adding a teen costs comes from California's published prices, so the range is wide, and Montana may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Montana, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $830 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,390 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$830 a year | $3,590 a year |
| 2022 Subaru Outback | +$830 a year | $3,600 a year |
| 2022 Subaru Crosstrek | +$830 a year | $3,620 a year |
| 2022 Honda CR-V | +$890 a year | $3,870 a year |
| 2022 Toyota RAV4 | +$900 a year | $3,930 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Montana (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Montana's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.