Montana Car Insurance Cost for 2022

• Average car insurance cost in Montana is $1,484 per year, or around $124 per month.
• Montana ranks 8th for car insurance cost when compared to the 10 other western states, and ranks 37th out of all 50 states.
• The cheapest car insurance in Montana is predictably found on small crossover and SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, Toyota C-HR, and Buick Envision.
• Off-road capable vehicles like the Toyota Tacoma, Subaru Outback, and Jeep Wrangler are popular in Montana, with average insurance rates of $1,380, $1,362, and $1,700 per year, respectively.

How much is average car insurance cost in Montana?

The average cost of car insurance in Montana is $1,484 per year, which is 4.3% less than the national average rate of $1,551. Car insurance cost per month in Montana averages $124 for full coverage.

Average car insurance rates in Montana for some of the more popular vehicles include the Ford Explorer at an average of $1,394 per year, the Toyota RAV4 at $1,400, the Mazda CX-5 at $1,128, the Nissan Altima at $1,662, and the Ram 1500 at $1,696 per year.

The chart below shows overall average rates for all 2022 model year vehicles, with rates shown by driver age and policy deductible amounts.

Insurance rates shown in the chart above have a range of $2,290 per year. The lowest rate shown is $1,124 per year for a 60-year-old driver with $1,000 deductibles and the most expensive rate in the chart is $3,414 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 $3,728 per year for a 19-year-old female driver up to $5,314 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Montana will cost $4,416 to $4,964 per year for 17-year-olds and $4,022 to $4,634 per year for 18-year-olds.

How do Montana car insurance rates compare?

When compared to nearby states, Montana car insurance rates are 8.7% less than Colorado, 6.2% more than Wyoming, 17% more than North Dakota, 23.3% more than Idaho, and 7.7% more than South Dakota.

When compared to states in other areas of the U.S., average Montana car insurance quotes are 8.4% cheaper than New York, 20.5% more expensive than Illinois, 33.4% less than Florida, 53.6% more than North Carolina, and 3.3% more expensive than Texas.

The chart below shows how average Montana auto insurance cost compares to the other western U.S. states. Montana ranks 8th out of the 11 states in the West region for cheapest car insurance rates, and ranks #37 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 Mazda CX-5 ranks #1, followed by the Nissan Kicks, Chevrolet Trailblazer, the Subaru Crosstrek, and the Honda Passport.

Other models that have the cheapest car insurance rates in their respective segments are the Subaru Impreza at $1,288 per year, the Subaru Legacy at $1,436 per year, the Honda Passport at $1,192 per year, the Toyota Avalon at $1,558 per year, the Chevrolet Tahoe at $1,488 per year, the Chevrolet Colorado at $1,220 per year, and the Ford F150 at $1,434 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 $1,288 per year, the Chevrolet Spark at $1,294 per year, and the Volkswagen Golf at $1,428 per year.

From a monthly standpoint, full-coverage car insurance on this segment in Montana for an average middle-age driver will start around $107 per month, depending on the company. The most expensive cars to insure are the Dodge Charger, Toyota Mirai, and Hyundai Sonata.

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 Mazda CX-5 at $1,128 per year and the Nissan Kicks at $1,156 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.

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.

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 Acura ILX and compact Mercedes-Benz A220 have the cheapest overall luxury car insurance rates in Montana at $1,364 and $1,566 per year.

The Acura ILX costs $1,004 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.

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 $1,272 per year, the Cadillac XT5 at $1,458 per year, and the Volvo XC90 at $1,604 per year.

Large luxury SUVs like the BMW X1, the Range Rover Evoque, or the Audi Q5 have more expensive insurance rates and do not make the top 20 list. The only full-size luxury model that made the list was the Volvo XC90.

Minivan and utility van insurance rates in Montana

The cheapest minivan to insure in Montana is the Honda Odyssey at $1,382 per year, or $115 per month. For utility and cargo vans, the cheapest model to insure is the Ram Promaster City at $1,192 per year.

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 $1,286 per year. The Ford Mustang ranks second at an average insurance cost of $1,566 per year, followed by the BMW Z4 at $1,596.

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 - $1,430 per year or $119 per month
• Missoula Car Insurance - $1,352 per year or $113 per month
• Great Falls Car Insurance - $1,398 per year or $117 per month
• Bozeman Car Insurance - $1,386 per year or $116 per month
• Butte Car Insurance - $1,356 per year or $113 per month
• Helena Car Insurance - $1,324 per year or $110 per month