- Average car insurance cost in Montana is $1,620 per year, or around $135 per month.
- Montana ranks seventh for car insurance cost when compared to the 10 other western states, and ranks 25th out of all 50 states.
- The cheapest car insurance in Montana is predictably found on small crossover and SUV models like the Nissan Rogue Sport, Nissan Kicks, Mazda CX-5, and Hyundai Venue.
- Off-road capable vehicles like the Toyota Tacoma, Subaru Outback, and Jeep Wrangler are popular in Montana, with average insurance rates of $1,480, $1,394, and $1,792 per year, respectively.
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.
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.
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,340 | $112 |
| Volkswagen Jetta | Compact | $1,478 | $123 |
| Subaru Legacy | Midsize | $1,492 | $124 |
| Nissan Sentra | Compact | $1,502 | $125 |
| Toyota Corolla | Compact | $1,520 | $127 |
| Volkswagen Golf | Compact | $1,522 | $127 |
| Toyota Prius | Compact | $1,526 | $127 |
| Toyota Camry | Midsize | $1,540 | $128 |
| Mazda 3 | Compact | $1,554 | $130 |
| Kia K5 | Midsize | $1,562 | $130 |
| Chevrolet Malibu | Midsize | $1,576 | $131 |
| Chrysler 300 | Full-size | $1,578 | $132 |
| Honda Civic | Compact | $1,586 | $132 |
| Kia Forte | Compact | $1,588 | $132 |
| Mitsubishi Mirage G4 | Compact | $1,596 | $133 |
| Nissan Leaf | Compact | $1,632 | $136 |
| Honda Accord | Midsize | $1,636 | $136 |
| Toyota Crown | Midsize | $1,644 | $137 |
| Tesla Model 3 | Midsize | $1,654 | $138 |
| Volkswagen Arteon | Midsize | $1,698 | $142 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,224 | $102 |
| Subaru Crosstrek | Compact | $1,236 | $103 |
| Nissan Kicks | Compact | $1,240 | $103 |
| Honda Passport | Midsize | $1,258 | $105 |
| Nissan Rogue Sport | Compact | $1,262 | $105 |
| Mazda CX-5 | Compact | $1,272 | $106 |
| Buick Encore | Compact | $1,290 | $108 |
| Buick Envision | Compact | $1,294 | $108 |
| Kia Seltos | Compact | $1,312 | $109 |
| Subaru Ascent | Midsize | $1,316 | $110 |
| Hyundai Venue | Compact | $1,322 | $110 |
| Honda HR-V | Compact | $1,346 | $112 |
| Hyundai Kona | Compact | $1,358 | $113 |
| Subaru Forester | Compact | $1,366 | $114 |
| Ford Edge | Midsize | $1,372 | $114 |
| Honda CR-V | Compact | $1,372 | $114 |
| Mazda CX-30 | Compact | $1,374 | $115 |
| Ford Explorer | Midsize | $1,380 | $115 |
| Volkswagen Atlas | Midsize | $1,382 | $115 |
| Chevrolet Trax | Compact | $1,390 | $116 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,344 | $112 |
| Chevrolet Colorado | Midsize | $1,348 | $112 |
| Nissan Frontier | Midsize | $1,396 | $116 |
| Ford Ranger | Midsize | $1,438 | $120 |
| GMC Canyon | Midsize | $1,470 | $123 |
| Toyota Tacoma | Midsize | $1,480 | $123 |
| Hyundai Santa Cruz | Midsize | $1,506 | $126 |
| Nissan Titan | Full-size | $1,602 | $134 |
| Honda Ridgeline | Midsize | $1,608 | $134 |
| Ford F150 | Full-size | $1,646 | $137 |
| GMC Sierra 2500 HD | Heavy Duty | $1,656 | $138 |
| Jeep Gladiator | Midsize | $1,684 | $140 |
| Toyota Tundra | Full-size | $1,702 | $142 |
| GMC Sierra 3500 | Heavy Duty | $1,708 | $142 |
| GMC Sierra | Full-size | $1,766 | $147 |
| Chevrolet Silverado | Full-size | $1,770 | $148 |
| Ram Truck | Full-size | $1,770 | $148 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,776 | $148 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,778 | $148 |
| Nissan Titan XD | Heavy Duty | $1,808 | $151 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,454 | $121 |
| BMW 330i | Compact | $1,644 | $137 |
| Acura TLX | Compact | $1,670 | $139 |
| Cadillac CT4 | Compact | $1,692 | $141 |
| Genesis G70 | Compact | $1,726 | $144 |
| Cadillac CT5 | Midsize | $1,742 | $145 |
| Lexus ES 350 | Midsize | $1,746 | $146 |
| BMW 330e | Compact | $1,752 | $146 |
| Lexus ES 250 | Midsize | $1,756 | $146 |
| BMW 228i | Compact | $1,762 | $147 |
| Lexus RC 300 | Midsize | $1,762 | $147 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,766 | $147 |
| Audi A3 | Midsize | $1,770 | $148 |
| BMW 230i | Compact | $1,774 | $148 |
| Mercedes-Benz C300 | Compact | $1,786 | $149 |
| Audi A4 | Compact | $1,792 | $149 |
| Lexus RC 350 | Compact | $1,794 | $150 |
| Audi S3 | Compact | $1,806 | $151 |
| Mercedes-Benz AMG CLA45 | Midsize | $1,806 | $151 |
| Volvo S60 | Compact | $1,808 | $151 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,350 | $113 |
| Lexus RX 350 | Midsize | $1,448 | $121 |
| Cadillac XT4 | Compact | $1,462 | $122 |
| Volvo XC40 | Compact | $1,488 | $124 |
| Infiniti QX50 | Midsize | $1,498 | $125 |
| Lexus UX 250h | Compact | $1,514 | $126 |
| Cadillac XT5 | Midsize | $1,538 | $128 |
| Mercedes-Benz GLA250 | Compact | $1,570 | $131 |
| Cadillac XT6 | Midsize | $1,576 | $131 |
| Mercedes-Benz GLB 250 | Compact | $1,576 | $131 |
| Lexus NX 250 | Compact | $1,596 | $133 |
| Acura MDX | Midsize | $1,612 | $134 |
| Lexus NX 350h | Compact | $1,614 | $135 |
| Lexus NX 350 | Compact | $1,624 | $135 |
| Lincoln Corsair | Compact | $1,628 | $136 |
| Lexus NX 450h | Compact | $1,630 | $136 |
| Lincoln Nautilus | Midsize | $1,640 | $137 |
| Alfa Romeo Tonale | Compact | $1,642 | $137 |
| BMW X1 | Compact | $1,642 | $137 |
| Mercedes-Benz GLC300 | Compact | $1,650 | $138 |
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.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Express | Full-size Van | $1,392 | $116 |
| Ford Transit Connect | Midsize Van | $1,410 | $118 |
| Honda Odyssey | Minivan | $1,478 | $123 |
| Ford Transit | Full-size Van | $1,518 | $127 |
| GMC Savana | Full-size Van | $1,522 | $127 |
| Ram Promaster | Full-size Van | $1,570 | $131 |
| Chrysler Pacifica | Minivan | $1,586 | $132 |
| Kia Carnival | Minivan | $1,622 | $135 |
| Toyota Sienna | Minivan | $1,662 | $139 |
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.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,496 | $125 |
| Audi TT | Sports Car | $1,676 | $140 |
| Ford Mustang | Sports Car | $1,756 | $146 |
| BMW Z4 | Sports Car | $1,768 | $147 |
| Subaru WRX | Sports Car | $1,790 | $149 |
| Nissan Z | Sports Car | $1,814 | $151 |
| Toyota GR Supra | Sports Car | $1,844 | $154 |
| BMW M2 | Sports Car | $1,868 | $156 |
| Toyota GR86 | Sports Car | $1,868 | $156 |
| Subaru BRZ | Sports Car | $1,952 | $163 |
| Chevrolet Corvette | Sports Car | $1,996 | $166 |
| BMW M3 | Sports Car | $2,042 | $170 |
| Lexus RC F | Sports Car | $2,082 | $174 |
| Porsche 718 | Sports Car | $2,084 | $174 |
| Chevrolet Camaro | Sports Car | $2,118 | $177 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,246 | $187 |
| Jaguar F-Type | Sports Car | $2,322 | $194 |
| Porsche Taycan | Sports Car | $2,376 | $198 |
| BMW M4 | Sports Car | $2,404 | $200 |
| Lexus LC 500 | Sports Car | $2,434 | $203 |
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.
- Billings Car Insurance - $1,604 per year or $134 per month
- Missoula Car Insurance - $1,524 per year or $127 per month
- Great Falls Car Insurance - $1,568 per year or $131 per month
- Bozeman Car Insurance - $1,556 per year or $130 per month
- Butte Car Insurance - $1,528 per year or $127 per month
- Helena Car Insurance - $1,496 per year or $125 per month
- Kalispell Car Insurance - $1,710 per year or $143 per month
