Cost of Car Insurance in Butte, MT – Averages (2025) + Cheapest Autos

• Butte car insurance cost averages $2,244 per year for a full-coverage policy, or approximately $187 per month.
• Butte auto insurance costs $86 per year less than the Montana state average ($2,330) and $23 per year more than the U.S. national average ($2,221).
• Car insurance rates for a few popular models in Butte include the Ford F150 at $209 per month, GMC Sierra at $206, and Jeep Wrangler at $214.
• Crossover vehicles like the Honda CR-V, Hyundai Venue, and Subaru Crosstrek are the best options for cheap car insurance in Butte.
• A few models with segment-leading car insurance rates include the Nissan Titan, Toyota GR Corolla, Chevrolet Colorado, Mercedes-Benz CLA250, and Acura Integra.
• Auto insurance quotes in Butte have significant variability from as low as $29 per month for minimum liability insurance to over $654 per month for drivers requiring a high-risk policy.

How much does car insurance cost in Butte, MT?

The average cost of car insurance in Butte is $2,244 per year, which is 1% more than the U.S. overall average rate of $2,221. Average car insurance cost per month in Butte is $187 for a full-coverage car insurance policy.

The average price for car insurance in Montana is $2,330 per year, so Butte drivers pay an average of $86 less per year than the overall Montana state-wide average rate. The cost to insure a car in Butte compared to other Montana cities is $74 per year cheaper than in Billings, $28 per year cheaper than in Bozeman, and $36 per year less than in Great Falls.

The age of the rated driver makes a big difference in the price of auto insurance, so the list below details how age impacts cost by breaking down average car insurance rates based on the age of the driver.

Average car insurance rates in Butte, MT, for drivers age 16 to 60

• 16-year-old driver – $7,990 per year or $666 per month
• 17-year-old driver – $7,739 per year or $645 per month
• 18-year-old driver – $6,934 per year or $578 per month
• 19-year-old driver – $6,316 per year or $526 per month
• 20-year-old driver – $4,512 per year or $376 per month
• 30-year-old driver – $2,394 per year or $200 per month
• 40-year-old driver – $2,244 per year or $187 per month
• 50-year-old driver – $1,988 per year or $166 per month
• 60-year-old driver – $1,860 per year or $155 per month

The next chart shows average auto insurance cost in Butte broken out not only by driver age, but also by physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury vehicles.

The average cost of car insurance per month in Butte is $187, with prices ranging from $131 to $437 for the driver ages and deductible levels shown in the chart above.

Car insurance cost for Butte drivers’ favorite vehicles

The rates referenced above are averaged for all 2024 vehicle models, which is helpful when making generalized comparisons such as the cost for different driver ages or locations. But for more comprehensive rate comparisons, we need to do a rate analysis for the specific model of vehicle being insured.

In the next few article sections, we examine lots of car insurance rates for specific models, but for now, let’s just look at a handful of the more popular vehicles to see how car insurance prices compare in Butte.

The next list displays average insurance rates for both annual and monthly policy terms in Butte for some of the more popular vehicles. At the end of this article, we’ll examine car insurance rates for a few of these models even more in-depth.

Average car insurance cost for popular models in Butte

• Ford F150 – $2,512 per year ($209 per month)
• GMC Sierra – $2,476 per year ($206 per month)
• Jeep Wrangler – $2,562 per year ($214 per month)
• Ford Explorer – $2,034 per year ($170 per month)
• Toyota Corolla – $2,184 per year ($182 per month)
• Nissan Sentra – $2,056 per year ($171 per month)
• Tesla Model 3 – $2,634 per year ($220 per month)
• Chevrolet Equinox – $2,066 per year ($172 per month)
• Hyundai Elantra – $2,436 per year ($203 per month)
• Subaru Forester – $1,996 per year ($166 per month)

The vehicle models that have high popularity in Butte tend to be compact or midsize cars like the Nissan Sentra and Honda Accord and compact and midsize SUVs like the Honda CR-V and Subaru Outback.

Some additional popular models in Butte from other vehicle segments include luxury SUVs like the Lexus RX 350, Acura MDX, and Cadillac XT5, luxury cars like the Lexus ES 350, BMW 530i, and Acura ILX, and pickup trucks like the Toyota Tacoma, Chevy Silverado, and Ford Ranger.

We get into more rates in a little bit, but before we dive into that data, let’s go over the important concepts that we have covered in the data above.

• Monthly car insurance cost ranges from $155 to $666 – That is the average car insurance price range for drivers age 16 to 60 in Butte, Montana.
• Car insurance is cheaper the older you are – Average auto insurance rates for a 40-year-old driver in Butte are $2,268 per year cheaper than for a 20-year-old driver.
• Butte auto insurance prices are cheaper than the Montana state average – $2,244 (Butte average) compared to $2,330 (Montana average)
• Low deductible car insurance costs more – A 30-year-old driver pays an average of $608 more per year for $250 physical damage deductibles versus $1,000.
• Butte, MT, car insurance costs more than the U.S. average – $2,244 (Butte average) versus $2,221 (U.S. average)
• Insurance rates decline significantly from age 20 to 30 – The average 30-year-old Butte, Montana, driver will pay $2,118 less per year than a 20-year-old driver, $2,394 versus $4,512.

In Butte, which vehicles are cheapest to insure?

The vehicles with the cheapest average car insurance quotes in Butte, MT, tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, Buick Envision, and Nissan Kicks.

Average auto insurance prices for those crossover SUVs cost $1,822 or less per year, or $152 per month, to get full coverage.

Other models that rank in the top 20 in our cost comparison are the Ford Bronco Sport, Volkswagen Tiguan, Subaru Outback, and Honda CR-V. Average insurance cost is a few dollars per month higher for those models than the small SUVs at the top of the list, but they still have an average insurance cost of $1,952 or less per year in Butte.

The following table shows the 50 cars, trucks, and SUVs with the cheapest insurance rates in Butte, ordered by annual cost.

The above table containing 50 vehicle models with cheap Butte car insurance is fine if you just want the absolute lowest rates. Considering we track over 700 vehicles, there are a lot of rates not being shown. Let’s dig deeper into the data and display the most affordable vehicles in a better format, by vehicle segment.

The section below goes into the average cost of car insurance for each different vehicle segment. The rates shown will give you a better understanding of which types of vehicles have the least expensive Butte auto insurance rates. The sections following the chart break out and rank the most affordable auto insurance for each segment.

Average rates by automotive segment

When shopping for a new or used vehicle, it’s advantageous to know which categories of vehicles have more favorable insurance rates. To illustrate this, maybe you’re wondering if midsize cars cost less to insure than midsize SUVs or if luxury cars or SUVs have more expensive insurance than non-luxury models.

The chart below displays average car insurance cost by vehicle segment in Butte. From a segment comparison perspective, small SUVs, vans, and midsize pickups have the best rates, with luxury cars and sports cars having the highest average cost to insure.

Average insurance rates by segment are useful for getting an initial comparison, but rates range significantly within each vehicle segment listed above.

For example, in the midsize luxury car segment, Butte auto insurance rates range from the Mercedes-Benz CLA250 at $2,308 per year up to the BMW M8 costing $3,780 per year, a difference of $1,472 within that segment. As another example, in the sports car segment, rates range from the Mazda MX-5 Miata costing $2,076 per year to the Mercedes-Benz SL 63 costing $4,610 per year, a difference of $2,534 within that segment.

In the next sections, we reduce this variability by comparing the cost of car insurance in Butte for specific cars, trucks, and SUVs.

Cheapest cars to insure in Butte, Montana

The Toyota GR Corolla ranks #1 as the cheapest sedan or hatchback to insure in Butte, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model averages $1,950 per year for a full-coverage insurance policy.

Rounding out the top 10 are cars like the Chevrolet Malibu, Kia K5, Toyota Prius, and Honda Accord, with an average car insurance cost of $2,184 per year or less.

From a cost per month standpoint, car insurance rates in this segment can cost as low as $163 per month, depending on the company.

The most budget-friendly non-luxury compact car to insure in Butte is the Toyota GR Corolla at $1,950 per year. For midsize 2024 models, the Kia K5 has the best rates at $2,160 per year. And for full-size sedans, the Chrysler 300 is cheapest to insure at $2,136 per year.

The next table ranks the cars with the lowest-cost insurance in Butte, starting with the Toyota GR Corolla at $163 per month and ending with the Mazda 3 at $193 per month.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Butte car insurance quotes from top-rated auto insurance companies in Montana.

SUVs that have cheap car insurance rates

The Subaru Crosstrek ranks at #1 for the cheapest non-luxury SUV to insure in Butte, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model costs an average of $1,656 per year for full-coverage auto insurance.

Not the cheapest, but still very affordable, are models like the Hyundai Venue, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with average cost of $1,836 per year or less.

Car insurance in Butte for this segment for a middle-age safe driver starts at an average of $138 per month, depending on your location.

The comparison table below ranks the SUVs with the most affordable car insurance in Butte, starting with the Subaru Crosstrek at $1,656 per year and ending with the Subaru Ascent at $1,952 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Montana.

Cheapest luxury car insurance rates

Ranking in the top five for the most affordable Butte car insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Mercedes-Benz CLA250, Acura Integra, and BMW 330i. Car insurance rates for these vehicles average $193 or less per month.

Additional models that have affordable insurance rates include the Lexus RC 300, Mercedes-Benz AMG CLA35, Lexus ES 350, and Cadillac CT4, with an average cost of $2,356 per year or less.

Ranked in the lower half of the top 20, cars like the Jaguar XF, Cadillac CT5, Audi S3, Lexus IS 350, BMW 330e, and Lexus ES 300h average between $2,356 and $2,516 per year for auto insurance in Butte.

From a monthly standpoint, auto insurance rates on this segment in Butte for the average driver will start around $166 per month, depending on the company and where you live.

The comparison table below ranks the twenty cars with the lowest-cost insurance in Butte, starting with the Acura Integra at $1,994 per year ($166 per month) and ending with the Audi S3 at $2,516 per year ($210 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Butte car insurance quotes from top auto insurance companies in Montana.

Cheapest luxury SUV insurance rates

For 2024 models, the five most budget-friendly SUVs to insure in Butte are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Average insurance rates for for these vehicles range from $1,876 to $2,116 per year.

Not the cheapest, but still very affordable, are SUVs like the Lexus UX 250h, Lexus NX 350h, Mercedes-Benz GLB 250, and Lexus NX 450h, with average cost of $2,162 per year or less.

Ranked from 10th to 20th place, models like the Mercedes-Benz GLA250, Infiniti QX50, Mercedes-Benz AMG GLB35, Cadillac XT6, and Mercedes-Benz GLA35 AMG average between $2,162 and $2,252 per year to insure.

Car insurance for this segment in Butte starts at an average of $156 per month, depending on your location and insurance company.

If prices are ranked by vehicle size, the cheapest compact luxury SUV to insure in Butte is the Acura RDX at $1,876 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,096 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,516 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest auto insurance rates in Butte, starting with the Acura RDX at $156 per month and ending with the Lexus RX 350 at $188 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV missing from the table above? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Butte car insurance quotes from top companies in Montana.

Most affordable sports cars to insure

The Mazda MX-5 Miata ranks at #1 for the lowest-cost sports car to insure in Butte, followed by the Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. The 2024 model averages $2,076 per year to insure for full coverage.

Additional models that rank well are the Nissan Z, Lexus RC F, Toyota GR Supra, and BMW M2, with average insurance cost of $2,682 per year or less.

Some additional models on the list include the Chevrolet Corvette, BMW M4, Mercedes-Benz AMG GT53, Jaguar F-Type, and BMW M3, which cost between $2,682 and $3,800 per year to insure.

Full-coverage auto insurance in this segment starts at around $173 per month, depending on the company and where you live. The comparison table below ranks the sports cars with the most affordable average auto insurance rates in Butte, starting with the Mazda MX-5 Miata at $173 per month and ending with the Porsche Taycan at $317 per month.

Don’t see your sports car in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Montana.

Pickups with affordable car insurance rates

The four highest ranking pickup trucks with the most affordable car insurance in Butte are the Chevrolet Colorado at $1,974 per year, Nissan Titan at $2,098 per year, Nissan Frontier at $2,120 per year, and Ford Ranger at $2,142 per year.

Other pickups that rank well are the Honda Ridgeline, GMC Sierra 2500 HD, Hyundai Santa Cruz, and GMC Canyon, with an average cost of $2,308 per year or less.

From a monthly standpoint, full-coverage insurance on this segment in Butte starts at around $165 per month, depending on your location and insurance company.

The next table ranks the twenty pickups with the most affordable car insurance in Butte, starting with the Chevrolet Colorado at $1,974 per year ($165 per month) and ending with the Ram Truck at $2,592 per year ($216 per month).

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Montana.

Variability in Butte car insurance prices

To reinforce the concept of the amount that car insurance premiums can fluctuate from one driver to the next (and also underscore the importance of getting lots of price quotes), the examples below show detailed rates for five popular models in Butte: the Chevrolet Silverado, Honda Civic, Nissan Rogue, Toyota Camry, and Toyota Supra.

Each illustration uses different driver and policy risk profiles to illustrate the difference in rates based on changes to the type of rated driver.

Chevrolet Silverado insurance rates

Chevrolet Silverado insurance in Butte costs an average of $2,480 per year, or about $207 per month, and ranges from $2,054 to $5,758 annually.

The Chevrolet Silverado belongs to the full-size truck segment, and other similar models include the Ford F150, Ram Truck, GMC Sierra, and Toyota Tundra.

Honda Civic insurance rates

Honda Civic insurance in Butte averages $1,986 per year, or about $166 per month, and varies from $1,650 to $4,506.

The Honda Civic is a compact car, and other similar models that are popular in Butte, MT, include the Volkswagen Jetta, Toyota Corolla, Nissan Sentra, and Hyundai Elantra.

Nissan Rogue insurance rates

Insurance for a Nissan Rogue in Butte costs an average of $2,014 per year (about $168 per month) and varies from $1,674 to $4,606.

The Nissan Rogue is considered a compact SUV, and additional models from the same segment that are popular in Butte, Montana, include the Mazda CX-5, Ford Escape, and Chevrolet Equinox.

Toyota Camry insurance rates

Insurance for a Toyota Camry in Butte costs an average of $2,408 per year, or around $201 per month, and varies from $2,000 to $5,540 annually for the risk profiles in the chart below.

The Toyota Camry is considered a midsize car, and additional similar models include the Kia K5, Hyundai Sonata, Chevrolet Malibu, and Nissan Altima.

Toyota Supra insurance rates

Car insurance for a Toyota Supra in Butte averages $2,450 per year, or about $204 per month, and varies from $1,892 to $5,232 per year.

The Toyota Supra is part of the sports car segment, and other popular models in the same segment include the Nissan 370Z, Ford Mustang, Subaru BRZ, and Chevrolet Corvette.

Tips for finding more affordable car insurance

Drivers are often looking to save money on insurance, so browse the savings tips in this next list and it’s very likely you can save a little dough on your next car insurance policy.

• Car insurance is cheaper with higher deductibles. Jacking up your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Avoid driving violations to reduce insurance rates. If you want to get affordable auto insurance in Butte, it makes good sense to be a safe driver. In fact, just a few minor moving violations could possibly raise policy cost by at least $598 per year.
• Be a careful driver and pay less for auto insurance in Butte. At-fault accidents increase insurance cost, potentially as much as $3,200 per year for a 20-year-old driver and even as much as $676 per year for a 50-year-old driver. So be safe and save.
• Remove unneeded coverage on older vehicles. Deleting physical damage coverage from older vehicles will cut the cost of car insurance considerably.
• Your employer could earn you policy discounts. Many car insurance companies offer policy discounts for certain professions like emergency medical technicians, police officers and law enforcement, scientists, college professors, nurses, and others. By qualifying for this profession discount, you could save between $67 and $218 on your auto insurance bill, depending on the level of coverage purchased.
• Lots of policy discounts equals cheaper auto insurance. Discounts may be available if the insured drivers choose electronic billing, are military or federal employees, are good students, are claim-free, or many other policy discounts which could save the average Butte driver as much as $382 per year on auto insurance.
• Compare insurance cost before you buy the car. Different vehicles have very different car insurance rates, and car insurance companies can price policies with a wide range of costs. Get multiple insurance quotes before you buy a new vehicle in order to prevent price shock when buying coverage for your new car.