Montana Car Insurance Cost for 2023

How much does car insurance cost in Montana? We break down average rates to find the vehicles with the cheapest Montana car insurance quotes.

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How much is average car insurance cost in Montana?

The average cost of car insurance in Montana is $1,620 per year, which is 3.9% less expensive than the national average rate of $1,685. Car insurance cost per month in Montana averages $135 for full coverage.

Average car insurance rates in Montana for some of the more popular vehicles include the Ford Explorer at an average of $1,380 per year, the Toyota RAV4 at $1,500, the Mazda CX-5 at $1,272, the Nissan Altima at $1,728, and the Ram 1500 at $1,770 per year.

The chart below shows overall average rates for all 2023 model year vehicles, with rates shown by driver age and policy deductible amounts.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Montana car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Montana zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in Montana
Average Car Insurance Cost in Montana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,726$227
$500$3,220$268
$250$3,740$312
30$1,000$1,428$119
$500$1,706$142
$250$1,994$166
40$1,000$1,368$114
$500$1,620$135
$250$1,884$157
50$1,000$1,246$104
$500$1,474$123
$250$1,710$143
60$1,000$1,222$102
$500$1,446$121
$250$1,680$140

Insurance rates shown in the chart above have a range of $2,518 per year. The lowest rate shown is $1,222 per year for a 60-year-old driver with $1,000 deductibles and the most expensive rate in the chart is $3,740 per year for a 20-year-old driver with $250 deductibles.

Teenage drivers have the most expensive car insurance rates and average insurance cost ranges from $4,078 per year for a 19-year-old female driver up to $5,800 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Montana will cost $4,820 to $5,422 per year for 17-year-olds and $4,394 to $5,066 per year for 18-year-olds.

How do Montana car insurance rates compare?

When compared to nearby states, Montana car insurance rates are 14.4% less than Colorado, 3.4% more than Wyoming, 10.8% more than North Dakota, 29% more than Idaho, and 10.6% less than South Dakota.

When compared to states in other areas of the U.S., average Montana car insurance quotes are 20.7% cheaper than New York, 4.8% more expensive than Illinois, 26.2% cheaper than Florida, 47.3% more expensive than North Carolina, and 1.1% cheaper than Texas.

The chart below shows how average Montana auto insurance cost compares to the other western U.S. states. Montana ranks seventh out of the 11 states in the West region for cheapest car insurance rates, and ranks 25th out of all 50 states.

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Montana Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Montana Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,202-$418
Idaho$1,256-$364
Alaska$1,338-$282
Utah$1,546-$74
Wyoming$1,566-$54
Washington$1,596-$24
Montana$1,620--
Oregon$1,648$28
Colorado$1,892$272
Nevada$2,110$490
California$2,134$514

What are the cheapest vehicles to insure in Montana?

The five cheapest vehicles to insure in Montana are primarily compact SUV models. The Chevrolet Trailblazer ranks #1, followed by the Subaru Crosstrek, Nissan Kicks, the Honda Passport, and the Nissan Rogue Sport.

Other models that have the cheapest car insurance rates in their respective segments are the Subaru Impreza at $1,340 per year, the Subaru Legacy at $1,492 per year, the Honda Passport at $1,258 per year, the Chrysler 300 at $1,578 per year, the Chevrolet Tahoe at $1,518 per year, the Ford Maverick at $1,344 per year, and the Nissan Titan at $1,602 per year.

The next sections break down the cheapest insurance rates for each vehicle segment starting with cars (2-door, 4-door, and hatchbacks) and working through SUVs, pickups, vans, and luxury models.

Cheapest car insurance rates in Montana

The cheapest 2-door and 4-door sedans and hatchbacks to insure in Montana are the Subaru Impreza at $1,340 per year, the Volkswagen Jetta at $1,478 per year, and the Subaru Legacy at $1,492 per year.

From a monthly standpoint, full-coverage car insurance on this segment in Montana for an average middle-age driver will start around $112 per month, depending on the company.

Top 20 Cheapest Cars to Insure in Montana
Make/Model Vehicle Size Annual Cost Monthly Cost
Subaru ImprezaCompact$1,340$112
Volkswagen JettaCompact$1,478$123
Subaru LegacyMidsize$1,492$124
Nissan SentraCompact$1,502$125
Toyota CorollaCompact$1,520$127
Volkswagen GolfCompact$1,522$127
Toyota PriusCompact$1,526$127
Toyota CamryMidsize$1,540$128
Mazda 3Compact$1,554$130
Kia K5Midsize$1,562$130
Chevrolet MalibuMidsize$1,576$131
Chrysler 300Full-size$1,578$132
Honda CivicCompact$1,586$132
Kia ForteCompact$1,588$132
Mitsubishi Mirage G4Compact$1,596$133
Nissan LeafCompact$1,632$136
Honda AccordMidsize$1,636$136
Toyota CrownMidsize$1,644$137
Tesla Model 3Midsize$1,654$138
Volkswagen ArteonMidsize$1,698$142

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
    Top 20 Cheapest Cars to Insure in Montana

    Our compact car, midsize car, and full-size car insurance comparisons have complete data for all vehicles including rates by trim level for each model.

    Cheapest SUV insurance rates in Montana

    The cheapest SUV and crossover models to insure in Montana are the Chevrolet Trailblazer at $1,224 per year and the Subaru Crosstrek at $1,236 per year.

    Compact SUVs generally have some of the lowest car insurance quotes available, with a few midsize models like the Ford Edge, Volkswagen Atlas, and Kia Telluride making the top 20 list. Large SUVs like the Chevy Suburban or GMC Yukon cost more to insure, and therefore do not make the list.

    Top 20 Cheapest SUV Insurance Rates in Montana
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet TrailblazerCompact$1,224$102
    Subaru CrosstrekCompact$1,236$103
    Nissan KicksCompact$1,240$103
    Honda PassportMidsize$1,258$105
    Nissan Rogue SportCompact$1,262$105
    Mazda CX-5Compact$1,272$106
    Buick EncoreCompact$1,290$108
    Buick EnvisionCompact$1,294$108
    Kia SeltosCompact$1,312$109
    Subaru AscentMidsize$1,316$110
    Hyundai VenueCompact$1,322$110
    Honda HR-VCompact$1,346$112
    Hyundai KonaCompact$1,358$113
    Subaru ForesterCompact$1,366$114
    Ford EdgeMidsize$1,372$114
    Honda CR-VCompact$1,372$114
    Mazda CX-30Compact$1,374$115
    Ford ExplorerMidsize$1,380$115
    Volkswagen AtlasMidsize$1,382$115
    Chevrolet TraxCompact$1,390$116

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
      Top 20 Cheapest SUV Insurance Rates in Montana

      See our compact SUV insurance, midsize SUV insurance, and full-size SUV insurance comparison pages for full data on all SUV models.

      Cheapest pickup insurance in Montana

      Whether you call them pickups, trucks, or pickup trucks, the table below details average car insurance quotes in Montana for pickups like the Ford F-150, Chevy Silverado, and Ram 1500.  Also included are the smaller midsize pickups like the Toyota Tacoma, Chevy Colorado, Nissan Frontier, and Ford Ranger, which tend to have cheaper insurance rates than the full-size models.

      Top 20 Cheapest Pickup Truck Insurance Rates in Montana
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Ford MaverickMidsize$1,344$112
      Chevrolet ColoradoMidsize$1,348$112
      Nissan FrontierMidsize$1,396$116
      Ford RangerMidsize$1,438$120
      GMC CanyonMidsize$1,470$123
      Toyota TacomaMidsize$1,480$123
      Hyundai Santa CruzMidsize$1,506$126
      Nissan TitanFull-size$1,602$134
      Honda RidgelineMidsize$1,608$134
      Ford F150Full-size$1,646$137
      GMC Sierra 2500 HDHeavy Duty$1,656$138
      Jeep GladiatorMidsize$1,684$140
      Toyota TundraFull-size$1,702$142
      GMC Sierra 3500Heavy Duty$1,708$142
      GMC SierraFull-size$1,766$147
      Chevrolet SilveradoFull-size$1,770$148
      Ram TruckFull-size$1,770$148
      Chevrolet Silverado HD 2500Heavy Duty$1,776$148
      Chevrolet Silverado HD 3500Heavy Duty$1,778$148
      Nissan Titan XDHeavy Duty$1,808$151

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
        Top 20 Cheapest Pickup Truck Insurance Rates in Montana

        Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.

        Cheapest luxury car insurance in Montana

        Luxury cars like the midsize Cadillac CT5 and compact Acura Integra have the cheapest overall luxury car insurance rates in Montana at $1,742 and $1,644 per year.

        The Cadillac CT5 costs $740 less per year than Tesla Model S insurance, which is one of the more expensive midsize luxury car to insure.

        The table below shows the 20 luxury cars with the cheapest insurance rates in Montana. Vehicle size is noted along with annual and monthly average insurance cost.

        Top 20 Cheapest Luxury Cars to Insure in Montana
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$1,454$121
        BMW 330iCompact$1,644$137
        Acura TLXCompact$1,670$139
        Cadillac CT4Compact$1,692$141
        Genesis G70Compact$1,726$144
        Cadillac CT5Midsize$1,742$145
        Lexus ES 350Midsize$1,746$146
        BMW 330eCompact$1,752$146
        Lexus ES 250Midsize$1,756$146
        BMW 228iCompact$1,762$147
        Lexus RC 300Midsize$1,762$147
        Mercedes-Benz AMG CLA35Midsize$1,766$147
        Audi A3Midsize$1,770$148
        BMW 230iCompact$1,774$148
        Mercedes-Benz C300Compact$1,786$149
        Audi A4Compact$1,792$149
        Lexus RC 350Compact$1,794$150
        Audi S3Compact$1,806$151
        Mercedes-Benz AMG CLA45Midsize$1,806$151
        Volvo S60Compact$1,808$151

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
          Top 20 Cheapest Luxury Cars to Insure in Montana

          Cheapest luxury SUV insurance in Montana

          The cheapest insurance for compact, midsize, and full-size SUVs in Montana can be found on the Acura RDX at $1,350 per year, the Lexus RX 350 at $1,448 per year, and the Volvo XC90 at $1,668 per year.

          Top 20 Cheapest Luxury SUVs to Insure in Montana
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,350$113
          Lexus RX 350Midsize$1,448$121
          Cadillac XT4Compact$1,462$122
          Volvo XC40Compact$1,488$124
          Infiniti QX50Midsize$1,498$125
          Lexus UX 250hCompact$1,514$126
          Cadillac XT5Midsize$1,538$128
          Mercedes-Benz GLA250Compact$1,570$131
          Cadillac XT6Midsize$1,576$131
          Mercedes-Benz GLB 250Compact$1,576$131
          Lexus NX 250Compact$1,596$133
          Acura MDXMidsize$1,612$134
          Lexus NX 350hCompact$1,614$135
          Lexus NX 350Compact$1,624$135
          Lincoln CorsairCompact$1,628$136
          Lexus NX 450hCompact$1,630$136
          Lincoln NautilusMidsize$1,640$137
          Alfa Romeo TonaleCompact$1,642$137
          BMW X1Compact$1,642$137
          Mercedes-Benz GLC300Compact$1,650$138

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
            Top 20 Cheapest Luxury SUVs to Insure in Montana

            Minivan and utility van insurance rates in Montana

            The cheapest minivan to insure in Montana is the Honda Odyssey at $1,478 per year, or $123 per month. For utility and cargo vans, the cheapest model to insure is the Chevrolet Express at $1,392 per year.

            Full-size and Minivan Insurance Rates in Montana
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ExpressFull-size Van$1,392$116
            Ford Transit ConnectMidsize Van$1,410$118
            Honda OdysseyMinivan$1,478$123
            Ford TransitFull-size Van$1,518$127
            GMC SavanaFull-size Van$1,522$127
            Ram PromasterFull-size Van$1,570$131
            Chrysler PacificaMinivan$1,586$132
            Kia CarnivalMinivan$1,622$135
            Toyota SiennaMinivan$1,662$139

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
              Full-size and Minivan Insurance Rates in Montana

              See our minivan car insurance rates page for additional data and a few extra models.

              Sports car and exotic car insurance rates in Montana

              The Mazda MX-5 Miata has the cheapest car insurance rates in this segment, costing an average of $1,496 per year. The Audi TT ranks second at an average insurance cost of $1,676 per year, followed by the Ford Mustang at $1,756.

              Top 20 Sports Car and Exotic Car Insurance Rates in Montana
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,496$125
              Audi TTSports Car$1,676$140
              Ford MustangSports Car$1,756$146
              BMW Z4Sports Car$1,768$147
              Subaru WRXSports Car$1,790$149
              Nissan ZSports Car$1,814$151
              Toyota GR SupraSports Car$1,844$154
              BMW M2Sports Car$1,868$156
              Toyota GR86Sports Car$1,868$156
              Subaru BRZSports Car$1,952$163
              Chevrolet CorvetteSports Car$1,996$166
              BMW M3Sports Car$2,042$170
              Lexus RC FSports Car$2,082$174
              Porsche 718Sports Car$2,084$174
              Chevrolet CamaroSports Car$2,118$177
              Mercedes-Benz AMG GT53Sports Car$2,246$187
              Jaguar F-TypeSports Car$2,322$194
              Porsche TaycanSports Car$2,376$198
              BMW M4Sports Car$2,404$200
              Lexus LC 500Sports Car$2,434$203

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Montana.Data last updated on December 30, 2022
                Top 20 Sports Car and Exotic Car Insurance Rates in Montana

                Average rates in larger Montana cities

                Listed below are average annual and monthly car insurance quotes for some of the bigger cities in Montana. Visit any page to view detailed rate information, including the models with the cheapest car insurance in each city.