Best Auto Insurance Rates in Montana

On average, your neighbors pay $57 a month.

See Your Rates

Compare Auto Insurance in Montana

Montana’s state nickname is “Big Sky Country”. With the research and insights that QuoteWizard has compiled about car insurance in Montana on this page, it could be "Big Savings Country".

We’ll show you which types of coverage are legally required in Montana, provide information about the cost of driving, and share some insights about insurance risk to help you protect yourself and your family.

Average Montana Car Insurance Rates

How much is car insurance in Montana? Drivers here are doing something right. The average cost of car insurance in Montana is much cheaper than what many Americans pay.

Montana (MT) Average Annual Car Insurance Rates
Coverage Rates
Liability $386.290
Collision $265.32
Comprehensive $211.91
Total Cost Per Year $692.50
Price Per Month $57.70
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Montana rates from 2011 to 2015, the most recent year the data is available. According to the III, Montana car insurance rates increased from $654 in 2011 to $692 in 2015, a jump of $38 dollars, or 5.80 percent.

Montana average car insurance rates

Looking for car insurance in Montana that provides the best coverage for an affordable rate? Shop around and compare rates from a number of insurance companies.

QuoteWizard can help with that. We’ll connect you to top auto insurance companies so you can find a policy that protects you and your loved ones without breaking the bank.

Last year, 9,034 people used QuoteWizard to compare quotes from top companies and find the cheapest auto insurance rates in Montana.

Best Car Insurance Companies in Montana

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Montana. Out of the 9,034 Montana drivers that used QuoteWizard to request insurance quotes last year, 1,363 had no car insurance.

Top 10 Vehicles

These are the most common vehicles owned by Montana drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford F250 Super Duty
  4. Dodge RAM
  5. Ford Explorer
  6. Chevrolet Blazer
  7. GMC Sierra C1500
  8. Chevrolet Suburban
  9. Ford Taurus
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Montana State Auto Insurance Laws

Minimum Car Insurance Requirements in Montana

If you drive a vehicle registered in Montana, you must maintain a minimum level of insurance coverage of 25/50/20. This means that you must have a policy with at least the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $20,000 of coverage for property damage liability per incident.

Recommended Coverage Levels

Montana has the country’s third highest rate of fatal crashes. That, in turn, impacts your insurance rates. Consider adding collision coverage. It pays for car repair or replacement costs in the event of a crash.

While a minimum policy is enough to get you on the road, consider increasing your coverage levels. Minimum coverage only provides a low amount of liability. A severe accident can easily exceed liability limits, leaving you to pay for the rest. We recommend:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Required Proof of Car Insurance

Any time you drive in Montana, you must be prepared to show your car insurance identification card to law enforcement upon request. You will get this identification card from your car insurance company when you buy a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word “fleet” may be used for more than 5 vehicles owned by the same person or business
Montana drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

SR-22 Requirements

Montana residents that have had their driver’s license suspended due to drunk driving convictions or other violations must provide proof of financial responsibility by filing an SR-22 form. “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by state law.

Montana law requires that an SR-22 be carried for 36 consecutive months. If a driver fails to renew their policy 15 days before expiration, a letter is sent to the state resulting in the suspension of their license. Once renewed, the license will be reinstated, but this can be a time-consuming process.

State of Montana Traffic Safety Laws

Distracted Driving Laws

Montana is one of the few states that place no restrictions whatsoever on the use of cell phones while driving.

Implied Consent Law

Montana’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving while under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 6-month driver’s license suspension
  • Second Offense: 1-year driver’s license suspension
  • Third Offense: 1-year driver’s license suspension

DUI Law and Penalties

If you drive or operate a motor vehicle in the state of Montana with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Between 48 hours and 6 months in jail
  • A fine of between $300 and $1,000
  • 6-month suspension of driver’s license
  • Possible installation of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Between 7 days and 6 months in jail
  • A fine of between $600 and $1,000
  • 1-year suspension of driver’s license
  • Installation of an ignition interlock device

The penalties for a third offense DUI conviction are:

  • Between 30 days and 1 year in jail
  • A fine of between $1,000 and $5,000
  • 1-year suspension of driver’s license
  • Installation of an ignition interlock device

Senior Drivers in Montana

Montana drivers have a choice of how frequently they renew their driver’s license. They can renew their driver’s license every 8 years in person, or every 4 years by mail. Drivers over the age of 75 are required to renew their license every 4 years.

Seat Belt Laws

Montana requires that all passengers in a moving vehicle aged 6 and up must wear seat belts. Children are required to use approved child seats as described above. The maximum fine for a first offense is $20.

Vehicles Registered in Another State

When you drive a vehicle in Montana that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

Car Insurance Risk in Montana

Vehicle Thefts in Montana

Montana had 2,043 vehicle thefts reported in 2014, for a vehicle theft rate of 199.6 per 100,000.

The vehicle theft rate in the state of Montana is slightly lower than the overall US vehicle theft rate, which was 216.2 per 100,000 in 2014.

Top 10 Most Stolen Vehicles in Montana

Some cars are more prone to theft than others, so be sure to check the list below to see if your car is a target on the streets.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2004 Chevrolet Pick-Up (Full Size)
  2. 1994 Ford Pick-Up (Full Size)
  3. 1997 Honda Accord
  4. 1998 Dodge Pick-Up (Full Size)
  5. 2002 Ford Explorer
  6. 1999 GMC Pick-Up (Full Size)
  7. 2000 Chevrolet Pick-Up (Small Size)
  8. 1997 Honda Civic
  9. 2009 Chevrolet Impala
  10. 1998 Subaru Legacy

Uninsured Motorists

The percentage of Montana residents estimated to be driving without insurance is 14.1%. That ranks Montana as #15 among US states and the District of Columbia for percentage of uninsured drivers.

Office of the Montana State Auditor

Commissioner: of Securities & Insurance
Matt M. Rosendale
Insurance Hotline:
(800) 332 – 6148
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

Sources: LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.