Montana Car Insurance Cost for 2021

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 $1,392 per year, which is 8.6% less than the national average rate of $1,523. Car insurance cost per month in Montana averages $116 for full coverage.

Average car insurance rates in Montana for some of the more popular vehicles include the Ford Explorer at an average of $1,376 per year, the Toyota RAV4 at $1,340, the Mazda CX-5 at $1,124, the Nissan Altima at $1,440, and the Ram 1500 at $1,514 per year.

The chart below shows overall average rates for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Montana zip codes.
Average Car Insurance Cost in Montana
Average Car Insurance Cost in Montana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,348$196
$500$2,768$231
$250$3,212$268
30$1,000$1,230$103
$500$1,466$122
$250$1,712$143
40$1,000$1,176$98
$500$1,392$116
$250$1,616$135
50$1,000$1,076$90
$500$1,270$106
$250$1,472$123
60$1,000$1,056$88
$500$1,246$104
$250$1,446$121

Insurance rates shown in the chart above have a range of $2,156 per year. The lowest rate shown is $1,056 per year for a 60-year-old driver with $1,000 deductibles and the most expensive rate in the chart is $3,212 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 $3,502 per year for a 19-year-old female driver up to $4,992 per year for a 16-year-old male driver. For 17 and 18-year-olds, average car insurance rates in Montana will cost $4,144 to $4,664 per year for 17-year-olds and $3,780 to $4,356 per year for 18-year-olds.

How do Montana car insurance rates compare?

When compared to nearby states, Montana car insurance rates are 14.1% less than Colorado, 3.1% more than Wyoming, 19.2% more than North Dakota, 37% more than Idaho, and 11% more than South Dakota.

When compared to states in other areas of the U.S., average Montana car insurance quotes are 17.2% cheaper than New York, 29.1% more expensive than Illinois, 32% less than Florida, 34.9% more than North Carolina, and 5.4% 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 #32 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
Idaho$1,016-$376
Alaska$1,192-$200
Washington$1,196-$196
Hawaii$1,204-$188
Utah$1,240-$152
Oregon$1,342-$50
Wyoming$1,350-$42
Montana$1,392--
Colorado$1,620$228
California$1,676$284
Nevada$1,698$306

What are the cheapest vehicles to insure in Montana?

The five cheapest vehicles to insure in Montana are primarily compact SUV models. The Subaru Forester ranks #1, followed by the Honda CR-V, the Ram Promaster City van, the Mazda CX-3, and the Toyota C-HR.

Other models that have the cheapest car insurance rates in their respective segments are the Volkswagen Golf at $1,114 per year, the Mazda 6 at $1,290 per year, the Ford Edge at $1,108 per year, the Kia Cadenza at $1,412 per year, the Toyota Sequoia at $1,374 per year, the Toyota Tacoma at $1,176 per year, and the Ford F-150 at $1,326 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 Volkswagen Golf at $1,114 per year, the Chevy Spark at $1,146 per year, and the Subaru Impreza at $1,170 per year.

From a monthly standpoint, full-coverage car insurance on this segment in Montana for an average middle-age driver will start around $93 per month, depending on the company. The most expensive cars to insure are the Dodge Charger, Toyota Mirai, and Hyundai Sonata.

Top 20 Cheapest Cars to Insure in Montana
Make/Model Vehicle Size Annual Cost Monthly Cost
Volkswagen GolfCompact$1,114$93
Chevrolet SparkCompact$1,146$96
Subaru ImprezaCompact$1,170$98
Kia Rio5Compact$1,182$99
Toyota CorollaCompact$1,210$101
Mazda 6Midsize$1,290$108
Honda InsightMidsize$1,298$108
Subaru LegacyMidsize$1,304$109
Honda CivicCompact$1,306$109
Kia RioCompact$1,324$110
Mazda 3Compact$1,330$111
Honda AccordMidsize$1,344$112
Volkswagen PassatMidsize$1,352$113
Kia ForteCompact$1,360$113
Chevrolet MalibuMidsize$1,362$114
Nissan SentraCompact$1,376$115
Volkswagen GTICompact$1,382$115
Toyota PriusCompact$1,386$116
Toyota CamryMidsize$1,392$116
Hyundai AccentCompact$1,396$116

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2021 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.
    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 Subaru Forester at $1,036 per year and the Honda CR-V at $1,050 per year, or from $86 to $88 per month.

    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
    Subaru ForesterCompact$1,036$86
    Honda CR-VCompact$1,050$88
    Mazda CX-3Compact$1,094$91
    Kia SportageCompact$1,102$92
    Toyota C-HRCompact$1,102$92
    Ford EdgeMidsize$1,108$92
    Mazda CX-5Compact$1,124$94
    Subaru CrosstrekCompact$1,134$95
    Hyundai VenueCompact$1,158$97
    Volkswagen AtlasMidsize$1,166$97
    Hyundai KonaCompact$1,168$97
    Kia SoulCompact$1,172$98
    Kia TellurideMidsize$1,176$98
    Chevrolet BlazerMidsize$1,180$98
    Subaru OutbackMidsize$1,180$98
    Jeep CompassCompact$1,182$99
    Mazda CX-30Compact$1,182$99
    Nissan KicksCompact$1,184$99
    Ford EscapeCompact$1,186$99
    Honda PassportMidsize$1,186$99

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 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.
      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
      Toyota TacomaMidsize$1,176$98
      Chevrolet ColoradoMidsize$1,184$99
      Nissan FrontierMidsize$1,198$100
      Ford RangerMidsize$1,290$108
      Jeep GladiatorMidsize$1,298$108
      Ford F150Full-size$1,326$111
      Honda RidgelineMidsize$1,338$112
      GMC SierraFull-size$1,360$113
      GMC CanyonMidsize$1,370$114
      Toyota TundraFull-size$1,382$115
      Nissan TitanFull-size$1,420$118
      Chevrolet SilveradoFull-size$1,452$121
      Ford F350 Super DutyHeavy Duty$1,500$125
      Chevrolet Silverado HD 3500Heavy Duty$1,508$126
      Ram TruckFull-size$1,514$126
      Ford F250 Super DutyHeavy Duty$1,516$126
      Ford F450 Super DutyHeavy Duty$1,562$130
      Ram Truck 3500Heavy Duty$1,586$132
      Ram Truck 2500Heavy Duty$1,592$133
      GMC Sierra 3500Heavy Duty$1,600$133

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 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.
        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 Acura ILX and compact Mercedes-Benz A220 have the cheapest overall luxury car insurance rates in Montana at $1,298 for the Acura and $1,362 for the Mercedes.

        The Acura ILX costs $1,134 less per year than Tesla Model S insurance, which is the most 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 ILXMidsize$1,298$108
        Mercedes-Benz A220Compact$1,362$114
        Volvo S60Compact$1,442$120
        Lexus ES 350Midsize$1,468$122
        Acura TLXCompact$1,478$123
        Cadillac CT4Compact$1,486$124
        BMW i3Compact$1,512$126
        Volvo S90Full-size$1,516$126
        Genesis G70Compact$1,518$127
        BMW 330iCompact$1,526$127
        Lexus RC 300Midsize$1,530$128
        Audi S3Compact$1,532$128
        BMW Z4Compact$1,540$128
        Audi A3Midsize$1,542$129
        Alfa Romeo GiuliaCompact$1,554$130
        Audi A5Full-size$1,554$130
        Mercedes-Benz AMG CLA45Midsize$1,554$130
        BMW 230iCompact$1,558$130
        Lexus RC 350Compact$1,594$133
        Cadillac CT5Midsize$1,598$133

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 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.
          Top 20 Cheapest Luxury Cars to Insure in Montana

          Cheapest luxury SUV insurance in Montana

          The cheapest insurance for a luxury SUV in Montana can be found on the Volvo XC40 at $1,150 per year. The Acura RDX ranks second at an average of $1,202 per year, and the Cadillac XT4 ranks third on the list at an average cost of $1,242 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.

          Top 20 Cheapest Luxury SUVs to Insure in Montana
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Volvo XC40Compact$1,150$96
          Acura RDXCompact$1,202$100
          Cadillac XT4Compact$1,242$104
          Volvo V60Midsize$1,312$109
          Acura MDXMidsize$1,316$110
          Cadillac XT5Midsize$1,316$110
          Lexus NX 300Compact$1,330$111
          Volvo XC60Compact$1,330$111
          Volvo XC90Full-size$1,338$112
          Lincoln NautilusMidsize$1,342$112
          Lexus UX 250HCompact$1,376$115
          Lincoln CorsairCompact$1,394$116
          Mercedes-Benz GLC300Compact$1,398$117
          Lexus RX 350Midsize$1,410$118
          Lexus UX 200Compact$1,412$118
          Mercedes-Benz GLB 250Compact$1,412$118
          Infiniti QX50Midsize$1,414$118
          BMW X1Compact$1,440$120
          BMW X2Compact$1,444$120
          Land Rover DefenderCompact$1,444$120

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 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.
            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 Kia Sedona at $1,182 per year, or $99 per month. For utility and cargo vans, the cheapest model to insure is the Ram Promaster City at $1,088 per year.

            Full-size and Minivan Insurance Rates in Montana
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$1,088$91
            Kia SedonaMinivan$1,182$99
            Chevrolet ExpressFull-size Van$1,248$104
            Nissan NVFull-size Van$1,258$105
            Ford Transit ConnectMidsize Van$1,268$106
            Chrysler PacificaMinivan$1,272$106
            GMC SavanaFull-size Van$1,282$107
            Ram PromasterFull-size Van$1,330$111
            Toyota SiennaMinivan$1,352$113
            Honda OdysseyMinivan$1,368$114
            Mercedes-Benz MetrisFull-size Van$1,412$118
            Nissan NV200Midsize Van$1,468$122

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 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.
              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 Miata has the cheapest car insurance rates in this segment, costing an average of $1,278 per year. Second place goes to the Ford Mustang at an average insurance cost of $1,558 per year, and the Audi TT takes third place at $1,572.

              Top 20 Sports Car and Exotic Car Insurance Rates in Montana
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,278$107
              Ford MustangSports Car$1,558$130
              Audi TTSports Car$1,572$131
              Subaru WRXSports Car$1,652$138
              Toyota SupraSports Car$1,664$139
              Porsche 718Sports Car$1,726$144
              Nissan 370ZSports Car$1,740$145
              Chevrolet CorvetteSports Car$1,788$149
              Subaru BRZSports Car$1,828$152
              Chevrolet CamaroSports Car$1,842$154
              Dodge ChallengerSports Car$1,910$159
              Jaguar F-TypeSports Car$2,146$179
              Lexus LC 500Sports Car$2,294$191
              Porsche 911Sports Car$2,382$199
              BMW i8Sports Car$2,598$217
              BMW Alpina B7Exotic Car$2,694$225
              Acura NSXSports Car$2,698$225
              Mercedes-Benz AMG GTExotic Car$2,792$233
              Mercedes-Benz MaybachExotic Car$2,854$238
              Aston Martin VantageExotic Car$2,858$238

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 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.
                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.