How much is car insurance in Montana?
Car insurance in Montana cost an average of $1,184 a year for full coverage in 2023 (NAIC), sitting 18% below the $1,439 national average and coming to about $1,400 a year in Montana today (about $115 a month in August 2026 dollars). In Montana, the law asks for at least 25/50/20 liability, while Montana liability-only policies—the closest NAIC figure to minimum coverage—averaged $472 in 2023 (about $560 today).
Average car insurance cost in Montana: 18% below the US average
Typical Montana full-coverage price today
about $1,400 a year in Montana (about $115 a month)
Montana's 2023 NAIC full-coverage average ($1,184) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Montana rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Montana was the 15th least expensive of the 50 states and DC (tied with Nebraska) for full coverage ($1,184 vs $1,439 nationally), while ranking lower on liability alone (10th lowest in the US at $472) because 60% of a full-coverage Montana premium goes to collision and comprehensive coverage on your own car. NAIC also tracks Montana's average expenditure per insured vehicle—$975 in 2023 (14th lowest in the US, or about $1,160 today)—which sits 18% ($209) below Montana's full-coverage average because many Montana drivers drop collision or comprehensive on older cars.
Montana costs more to insure than Idaho, North Dakota, South Dakota, and Wyoming
A typical full-coverage policy in Montana ($1,184 in 2023) costs more than in all four bordering states. Among Montana's neighbors, North Dakota had the lowest 2023 average ($961, moving to Montana is about $300 more a year) and Wyoming had the highest ($1,180, moving to Montana is about the same).
| State | 2023 average | Moving to Montana from there |
|---|---|---|
| Montana | $1,184 | Current state (Montana) |
| Idaho | $981 | About $270 more a year |
| North Dakota | $961 | About $300 more a year |
| South Dakota | $1,158 | About the same |
| Wyoming | $1,180 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Nebraska ($1,184 in 2023, about $1,400 today), Kansas ($1,182 in 2023, about $1,400 today), Kentucky ($1,208 in 2023, about $1,430 today), and Tennessee ($1,212 in 2023, about $1,440 today).
Montana: 25/50/20 minimums, with uninsured-motorist coverage unless you decline it
- Montana liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP) in Montana
- Not required
- Medical payments in Montana
- Not required
- No-fault system in Montana
- No
- Uninsured motorist in Montana
- Included unless you decline
- Underinsured motorist in Montana
- Not required
Set by MCA 61-6-103(1)(b), Montana's 25/50/20 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Montana, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Montana—the closest NAIC figure to what a Montana minimum policy costs—averaged $472 in 2023 (about $560 in Montana today), the 10th lowest of the 50 states and DC. That makes liability 40% of Montana's full-coverage average ($1,184), while the remaining 60% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- The figures appear in MCA 61-6-103 (Montana Code Annotated 2025). We found no 2024-2026 change.
- Checked
- September 22, 2026
- Sources
- MCA 61-6-103(1)(b)
$25,000 because of bodily injury to or death of one person ... $50,000 ... $20,000 because of injury to or destruction of property of others
- MCA 61-6-301(1)
an owner of a motor vehicle that is registered and operated in Montana ... shall continuously provide insurance against loss resulting from liability
- MCA 33-23-201
may not be delivered or issued ... unless coverage is provided ... in limits for bodily injury or death set forth in 61-6-103 ... The named insured has the right to reject the coverage.
- Montana CSI, Auto insurance page
Unless you sign a form stating you do not want Uninsured Motorist coverage, your agent is required by law to provide it to you.
- MCA 61-6-103(1)(b)
Adding a 16-year-old driver in Montana: about $930 more a year
Adding a 16-year-old to a Montana policy
about $930 more a year
About $80 a month (+66% over a typical Montana adult policy of $1,400), bringing the combined Montana family policy to roughly $1,750–$3,100 a year.
On a separate Montana policy of their own with the same car, a 16-year-old in Montana would pay about $4,030 a year (roughly $3,050–$5,750), so sharing a parent's Montana policy saves about $3,100 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Montana's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Montana
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 on a Montana policy, versus about $1,390 more a year for the 2022 Tesla Model 3 at the top of Montana's list.
| 2022 model | Added to a Montana policy | Own Montana policy |
|---|---|---|
| 2022 Subaru Forester | +$830 in Montana | $3,590 in Montana |
| 2022 Subaru Outback | +$830 in Montana | $3,600 in Montana |
| 2022 Subaru Crosstrek | +$830 in Montana | $3,620 in Montana |
| 2022 Honda CR-V | +$890 in Montana | $3,870 in Montana |
| 2022 Toyota RAV4 | +$900 in Montana | $3,930 in Montana |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Montana
In Montana, a 45-year-old with full coverage pays from about $1,490 a year for a 2024 Volkswagen Taos to about $1,800 for a 2024 Ram 1500 on these Montana sample models.
| Car | 45-year-old in Montana | Adding a teen in Montana |
|---|---|---|
| 2024 Volkswagen Taos | about $1,490 a year | +$980 a year |
| 2024 Buick Encore GX | about $1,560 a year | +$1,030 a year |
| 2024 Buick Enclave | about $1,520 a year | +$1,000 a year |
| 2024 Dodge Durango | about $1,690 a year | +$1,120 a year |
| 2024 Mitsubishi Outlander | about $1,700 a year | +$1,130 a year |
| 2024 Chevrolet Silverado | about $1,750 a year | +$1,160 a year |
| 2024 Ram 1500 | about $1,800 a year | +$1,190 a year |
| 2024 GMC Sierra | about $1,650 a year | +$1,090 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Montana
- How much is car insurance in Montana?
- In Montana, full-coverage car insurance averaged $1,184 a year in 2023 (the 15th least expensive of the 50 states and DC (tied with Nebraska) per NAIC), or about $1,400 a year ($115 a month) in Montana as of August 2026. Montana liability-only coverage averaged $472 in 2023 (40% of Montana's full-coverage figure, or about $560 today), and Montana drivers spent $975 per insured car across all policies.
- What are the minimum car insurance limits in Montana?
- Under MCA 61-6-103(1)(b), Montana requires 25/50/20 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $20,000 for property damage. The figures appear in MCA 61-6-103 (Montana Code Annotated 2025). We found no 2024-2026 change.
- How much does adding a 16-year-old teen driver cost in Montana?
- Adding a 16-year-old to a parent's full-coverage policy in Montana adds about $930 more a year ($80 a month), bringing the Montana household policy to roughly $1,750–$3,100 a year versus about $4,030 a year (roughly $3,050–$5,750) on a standalone Montana teen policy.
- Is Montana a no-fault car insurance state?
- No—Montana is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Montana does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Montana: 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.
- How does Montana's car insurance cost compare with Idaho?
- Montana averaged $1,184 for full coverage in 2023 (NAIC) against $981 in Idaho (21% more than Idaho), and moving a sample policy from Idaho to Montana today is about $270 more a year. Other bordering states averaged $961 in North Dakota, $1,158 in South Dakota, and $1,180 in Wyoming in 2023.
Sources for Montana
- Montana average premiums ($1,184 full coverage, $472 liability-only, $975 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Montana minimum coverage statutes (MCA 61-6-103(1)(b); MCA 61-6-301(1); MCA 33-23-201; Montana CSI, Auto insurance page), checked September 22, 2026. Page updated for Montana. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.