- 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.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Subaru Impreza | Compact | $1,288 | $107 |
Chevrolet Spark | Compact | $1,294 | $108 |
Volkswagen Golf | Compact | $1,428 | $119 |
Subaru Legacy | Midsize | $1,436 | $120 |
Volkswagen Jetta | Compact | $1,442 | $120 |
Honda Insight | Midsize | $1,444 | $120 |
Nissan Sentra | Compact | $1,448 | $121 |
Kia K5 | Midsize | $1,458 | $122 |
Toyota Camry | Midsize | $1,460 | $122 |
Toyota Corolla | Compact | $1,462 | $122 |
Kia Rio | Compact | $1,466 | $122 |
Volkswagen Passat | Midsize | $1,466 | $122 |
Honda Civic | Compact | $1,470 | $123 |
Mazda 3 | Compact | $1,470 | $123 |
Mazda 6 | Midsize | $1,480 | $123 |
Toyota Prius | Compact | $1,482 | $124 |
Hyundai Accent | Compact | $1,502 | $125 |
Hyundai Veloster | Compact | $1,518 | $127 |
Kia Forte | Compact | $1,518 | $127 |
Chevrolet Malibu | Midsize | $1,542 | $129 |
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.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Mazda CX-5 | Compact | $1,128 | $94 |
Nissan Kicks | Compact | $1,156 | $96 |
Chevrolet Trailblazer | Compact | $1,162 | $97 |
Honda Passport | Midsize | $1,192 | $99 |
Subaru Crosstrek | Compact | $1,192 | $99 |
Toyota C-HR | Compact | $1,224 | $102 |
Buick Encore | Compact | $1,228 | $102 |
Nissan Rogue Sport | Compact | $1,236 | $103 |
Hyundai Venue | Compact | $1,262 | $105 |
Buick Envision | Compact | $1,264 | $105 |
Kia Seltos | Compact | $1,264 | $105 |
Toyota Corolla Cross | Compact | $1,272 | $106 |
Subaru Ascent | Midsize | $1,274 | $106 |
Hyundai Kona | Compact | $1,284 | $107 |
Subaru Forester | Compact | $1,284 | $107 |
Volkswagen Tiguan | Compact | $1,286 | $107 |
Honda CR-V | Compact | $1,298 | $108 |
Mazda CX-30 | Compact | $1,312 | $109 |
Honda HR-V | Compact | $1,332 | $111 |
Ford Edge | Midsize | $1,336 | $111 |
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 |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,220 | $102 |
Ford Maverick | Midsize | $1,270 | $106 |
Ford Ranger | Midsize | $1,318 | $110 |
Toyota Tacoma | Midsize | $1,380 | $115 |
Nissan Frontier | Midsize | $1,414 | $118 |
GMC Canyon | Midsize | $1,422 | $119 |
Hyundai Santa Cruz | Midsize | $1,426 | $119 |
Ford F150 | Full-size | $1,434 | $120 |
Honda Ridgeline | Midsize | $1,446 | $121 |
Jeep Gladiator | Midsize | $1,460 | $122 |
GMC Sierra | Full-size | $1,514 | $126 |
Nissan Titan | Full-size | $1,566 | $131 |
Chevrolet Silverado | Full-size | $1,596 | $133 |
Toyota Tundra | Full-size | $1,596 | $133 |
Ford F350 Super Duty | Heavy Duty | $1,612 | $134 |
Chevrolet Silverado HD 3500 | Heavy Duty | $1,624 | $135 |
Nissan Titan XD | Heavy Duty | $1,668 | $139 |
Ram Truck | Full-size | $1,696 | $141 |
GMC Sierra 2500 HD | Heavy Duty | $1,730 | $144 |
GMC Sierra 3500 | Heavy Duty | $1,744 | $145 |
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.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Acura ILX | Midsize | $1,364 | $114 |
Mercedes-Benz A220 | Compact | $1,458 | $122 |
BMW 330i | Compact | $1,566 | $131 |
Acura TLX | Compact | $1,580 | $132 |
Volvo S60 | Compact | $1,590 | $133 |
BMW 330e | Compact | $1,598 | $133 |
BMW 228i | Compact | $1,606 | $134 |
BMW 230i | Compact | $1,616 | $135 |
Lexus RC 300 | Midsize | $1,644 | $137 |
Alfa Romeo Giulia | Compact | $1,646 | $137 |
Cadillac CT4 | Compact | $1,650 | $138 |
Lexus RC 350 | Compact | $1,652 | $138 |
Genesis G70 | Compact | $1,678 | $140 |
Mercedes-Benz AMG CLA35 | Midsize | $1,682 | $140 |
BMW i4 | Midsize | $1,690 | $141 |
Cadillac CT5 | Midsize | $1,700 | $142 |
Audi A3 | Midsize | $1,718 | $143 |
Audi A4 | Compact | $1,720 | $143 |
Audi S3 | Compact | $1,722 | $144 |
Mercedes-Benz AMG CLA45 | Midsize | $1,722 | $144 |
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.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Acura RDX | Compact | $1,272 | $106 |
Cadillac XT4 | Compact | $1,304 | $109 |
Volvo XC40 | Compact | $1,428 | $119 |
Cadillac XT5 | Midsize | $1,458 | $122 |
Lexus NX 250 | Compact | $1,476 | $123 |
BMW X1 | Compact | $1,478 | $123 |
Lexus NX 350h | Compact | $1,486 | $124 |
Lexus UX 250h | Compact | $1,486 | $124 |
Lexus NX 350 | Compact | $1,512 | $126 |
Jaguar E-Pace | Midsize | $1,518 | $127 |
Lexus UX 200 | Compact | $1,518 | $127 |
Lexus RX 350 | Midsize | $1,528 | $127 |
Acura MDX | Midsize | $1,536 | $128 |
Lincoln Nautilus | Midsize | $1,548 | $129 |
Lexus NX 450h | Compact | $1,552 | $129 |
Lexus RX 450h | Midsize | $1,562 | $130 |
Mercedes-Benz GLB 250 | Compact | $1,562 | $130 |
Land Rover Evoque | Compact | $1,568 | $131 |
Infiniti QX50 | Midsize | $1,570 | $131 |
Lincoln Corsair | Compact | $1,570 | $131 |
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.
Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
---|---|---|---|
Ram Promaster City | Full-size Van | $1,192 | $99 |
Chevrolet Express | Full-size Van | $1,242 | $104 |
Nissan NV | Full-size Van | $1,302 | $109 |
GMC Savana | Full-size Van | $1,356 | $113 |
Honda Odyssey | Minivan | $1,382 | $115 |
Nissan NV200 | Midsize Van | $1,400 | $117 |
Ford Transit Connect | Midsize Van | $1,414 | $118 |
Ram Promaster | Full-size Van | $1,454 | $121 |
Chrysler Pacifica | Minivan | $1,486 | $124 |
Ford Transit | Full-size Van | $1,496 | $125 |
Kia Carnival | Minivan | $1,552 | $129 |
Toyota Sienna | Minivan | $1,556 | $130 |
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.
Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,286 | $107 |
Ford Mustang | Sports Car | $1,566 | $131 |
BMW Z4 | Sports Car | $1,596 | $133 |
Subaru WRX | Sports Car | $1,688 | $141 |
Toyota GR86 | Sports Car | $1,730 | $144 |
Toyota GR Supra | Sports Car | $1,770 | $148 |
Audi TT | Sports Car | $1,808 | $151 |
Subaru BRZ | Sports Car | $1,864 | $155 |
Chevrolet Corvette | Sports Car | $1,868 | $156 |
BMW M3 | Sports Car | $1,924 | $160 |
Porsche 718 | Sports Car | $2,006 | $167 |
Chevrolet Camaro | Sports Car | $2,058 | $172 |
Lexus RC F | Sports Car | $2,098 | $175 |
Dodge Challenger | Sports Car | $2,114 | $176 |
Mercedes-Benz AMG GT53 | Sports Car | $2,142 | $179 |
Jaguar F-Type | Sports Car | $2,244 | $187 |
Porsche Taycan | Sports Car | $2,300 | $192 |
Porsche 911 | Sports Car | $2,358 | $197 |
Aston Martin Vantage | Exotic Car | $2,362 | $197 |
BMW M4 | Sports Car | $2,364 | $197 |
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