Montana Car Insurance Cost for 2022

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 $1,484 per year, which is 5.3% less than the national average rate of $1,567. 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Montana car insurance rates for 2022 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 June 24, 2022
Average Car Insurance Cost in Montana
Average Car Insurance Cost in Montana
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,500$208
$500$2,946$246
$250$3,414$285
30$1,000$1,312$109
$500$1,562$130
$250$1,822$152
40$1,000$1,254$105
$500$1,484$124
$250$1,722$144
50$1,000$1,144$95
$500$1,350$113
$250$1,566$131
60$1,000$1,124$94
$500$1,326$111
$250$1,538$128

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 $3,730 per year for a 19-year-old female driver up to $5,316 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 $4,636 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% more than Wyoming, 17% more than North Dakota, 23.5% 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.

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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$1,034-$450
Washington$1,158-$326
Idaho$1,202-$282
Utah$1,258-$226
Oregon$1,276-$208
Alaska$1,338-$146
Wyoming$1,400-$84
Montana$1,484--
Colorado$1,626$142
Nevada$1,672$188
California$1,744$260

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 Honda Passport, and the Subaru Crosstrek.

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.

Top 20 Cheapest Cars to Insure in Montana
Make/Model Vehicle Size Annual Cost Monthly Cost
Subaru ImprezaCompact$1,288$107
Chevrolet SparkCompact$1,294$108
Volkswagen GolfCompact$1,428$119
Subaru LegacyMidsize$1,436$120
Honda InsightMidsize$1,444$120
Volkswagen JettaCompact$1,444$120
Nissan SentraCompact$1,448$121
Kia K5Midsize$1,458$122
Toyota CamryMidsize$1,460$122
Toyota CorollaCompact$1,462$122
Kia RioCompact$1,466$122
Volkswagen PassatMidsize$1,466$122
Honda CivicCompact$1,470$123
Mazda 3Compact$1,476$123
Mazda 6Midsize$1,480$123
Toyota PriusCompact$1,482$124
Hyundai AccentCompact$1,502$125
Hyundai VelosterCompact$1,518$127
Kia ForteCompact$1,518$127
Chevrolet MalibuMidsize$1,542$129

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 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 June 24, 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 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.

    Top 20 Cheapest SUV Insurance Rates in Montana
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Mazda CX-5Compact$1,128$94
    Nissan KicksCompact$1,156$96
    Chevrolet TrailblazerCompact$1,162$97
    Honda PassportMidsize$1,192$99
    Subaru CrosstrekCompact$1,192$99
    Toyota C-HRCompact$1,218$102
    Buick EncoreCompact$1,228$102
    Nissan Rogue SportCompact$1,236$103
    Hyundai VenueCompact$1,262$105
    Buick EnvisionCompact$1,264$105
    Kia SeltosCompact$1,264$105
    Toyota Corolla CrossCompact$1,272$106
    Subaru AscentMidsize$1,274$106
    Hyundai KonaCompact$1,280$107
    Subaru ForesterCompact$1,284$107
    Volkswagen TiguanCompact$1,286$107
    Honda CR-VCompact$1,298$108
    Mazda CX-30Compact$1,312$109
    Honda HR-VCompact$1,332$111
    Ford EdgeMidsize$1,338$112

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 June 24, 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
      Chevrolet ColoradoMidsize$1,220$102
      Ford MaverickMidsize$1,270$106
      Ford RangerMidsize$1,318$110
      Toyota TacomaMidsize$1,380$115
      Nissan FrontierMidsize$1,414$118
      Hyundai Santa CruzMidsize$1,426$119
      GMC CanyonMidsize$1,430$119
      Ford F150Full-size$1,434$120
      Honda RidgelineMidsize$1,446$121
      Jeep GladiatorMidsize$1,460$122
      GMC SierraFull-size$1,514$126
      Nissan TitanFull-size$1,566$131
      Toyota TundraFull-size$1,596$133
      Chevrolet SilveradoFull-size$1,598$133
      Ford F350 Super DutyHeavy Duty$1,612$134
      Chevrolet Silverado HD 3500Heavy Duty$1,624$135
      Nissan Titan XDHeavy Duty$1,668$139
      Ram TruckFull-size$1,696$141
      GMC Sierra 2500 HDHeavy Duty$1,730$144
      GMC Sierra 3500Heavy Duty$1,746$146

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 June 24, 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 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.

        Top 20 Cheapest Luxury Cars to Insure in Montana
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,364$114
        Mercedes-Benz A220Compact$1,458$122
        BMW 330iCompact$1,566$131
        Acura TLXCompact$1,580$132
        Volvo S60Compact$1,590$133
        BMW 330eCompact$1,598$133
        BMW 228iCompact$1,606$134
        BMW 230iCompact$1,618$135
        Alfa Romeo GiuliaCompact$1,646$137
        Lexus RC 300Midsize$1,646$137
        Cadillac CT4Compact$1,650$138
        Lexus RC 350Compact$1,652$138
        Genesis G70Compact$1,678$140
        Mercedes-Benz AMG CLA35Midsize$1,684$140
        BMW i4Midsize$1,692$141
        Cadillac CT5Midsize$1,700$142
        Audi A3Midsize$1,718$143
        Audi A4Compact$1,720$143
        Audi S3Compact$1,722$144
        Mercedes-Benz AMG CLA45Midsize$1,722$144

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 June 24, 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 $1,272 per year, the Cadillac XT5 at $1,458 per year, and the Volvo XC90 at $1,606 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
          Acura RDXCompact$1,272$106
          Cadillac XT4Compact$1,304$109
          Volvo XC40Compact$1,428$119
          Cadillac XT5Midsize$1,458$122
          Lexus NX 250Compact$1,476$123
          BMW X1Compact$1,478$123
          Lexus NX 350hCompact$1,486$124
          Lexus UX 250hCompact$1,486$124
          Lexus NX 350Compact$1,512$126
          Lexus UX 200Compact$1,518$127
          Jaguar E-PaceMidsize$1,520$127
          Lexus RX 350Midsize$1,528$127
          Acura MDXMidsize$1,536$128
          Lincoln NautilusMidsize$1,550$129
          Lexus NX 450hCompact$1,554$130
          Mercedes-Benz GLB 250Compact$1,562$130
          Lexus RX 450hMidsize$1,564$130
          Land Rover EvoqueCompact$1,568$131
          Infiniti QX50Midsize$1,570$131
          Lincoln CorsairCompact$1,570$131

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 June 24, 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 $1,382 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.

            Full-size and Minivan Insurance Rates in Montana
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$1,192$99
            Chevrolet ExpressFull-size Van$1,242$104
            Nissan NVFull-size Van$1,304$109
            GMC SavanaFull-size Van$1,356$113
            Honda OdysseyMinivan$1,382$115
            Nissan NV200Midsize Van$1,400$117
            Ford Transit ConnectMidsize Van$1,416$118
            Ram PromasterFull-size Van$1,454$121
            Chrysler PacificaMinivan$1,486$124
            Ford TransitFull-size Van$1,496$125
            Kia CarnivalMinivan$1,552$129
            Toyota SiennaMinivan$1,558$130

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 June 24, 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 $1,286 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.

              Top 20 Sports Car and Exotic Car Insurance Rates in Montana
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,286$107
              Ford MustangSports Car$1,566$131
              BMW Z4Sports Car$1,596$133
              Subaru WRXSports Car$1,688$141
              Toyota GR86Sports Car$1,730$144
              Toyota GR SupraSports Car$1,770$148
              Audi TTSports Car$1,808$151
              Subaru BRZSports Car$1,864$155
              Chevrolet CorvetteSports Car$1,868$156
              BMW M3Sports Car$1,924$160
              Porsche 718Sports Car$2,006$167
              Chevrolet CamaroSports Car$2,058$172
              Lexus RC FSports Car$2,108$176
              Dodge ChallengerSports Car$2,114$176
              Mercedes-Benz AMG GT53Sports Car$2,142$179
              Jaguar F-TypeSports Car$2,244$187
              Porsche TaycanSports Car$2,300$192
              Porsche 911Sports Car$2,358$197
              Aston Martin VantageExotic Car$2,362$197
              BMW M4Sports Car$2,364$197

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 June 24, 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.