Cost of Car Insurance in Missoula, MT (2024 Rates + Comparisons)

• Missoula car insurance rates average $1,672 per year for full coverage, or approximately $139 per month.
• Auto insurance rates for a few popular vehicles in Missoula include the Toyota Highlander at $127 per month, Toyota RAV4 at $128, and Chevrolet Equinox at $128.
• For cheap auto insurance in Missoula, compact SUVs like the Mazda CX-5, Volkswagen Tiguan, Toyota Corolla Cross, and Nissan Kicks rank very well for overall cost.

How much does car insurance cost in Missoula?

The average car insurance cost in Missoula is $1,672 per year, or approximately $139 per month for a full coverage policy. It costs 11.9% less to insure the average vehicle in Missoula, Montana, than the U.S. average rate of $1,883.

The average price for car insurance in Montana is $1,764 per year, so Missoula drivers pay an average of $92 less per year than the overall Montana state-wide average rate. The cost of car insurance in Missoula compared to other Montana cities is approximately $78 per year less than in Billings, $36 per year cheaper than in Bozeman, and $2 per year less than in Butte.

The next chart shows average car insurance rates in Missoula for 2024 model year vehicles for both different driver ages and comprehensive and collision deductibles.

The average cost of auto insurance per month in Missoula is $139, and ranges from $98 to $326 for drivers age 20 to 60 and policy deductibles of $250, $500 and $1,000.

The age of the driver is the one factor that has the largest impact on the cost of car insurance. The list below illustrates this point by showing average car insurance rates in Missoula for driver ages from 16 to 60.

Average car insurance cost for Missoula, MT, drivers age 16 to 60

• 16-year-old rated driver – $5,954 per year or $496 per month
• 17-year-old rated driver – $5,770 per year or $481 per month
• 18-year-old rated driver – $5,171 per year or $431 per month
• 19-year-old rated driver – $4,706 per year or $392 per month
• 20-year-old rated driver – $3,364 per year or $280 per month
• 30-year-old rated driver – $1,786 per year or $149 per month
• 40-year-old rated driver – $1,672 per year or $139 per month
• 50-year-old rated driver – $1,478 per year or $123 per month
• 60-year-old rated driver – $1,386 per year or $116 per month

The rates in the list above for teen drivers used a male as the rated driver. The next chart gets more specific and breaks out average car insurance cost for teenagers by gender. Female drivers tend to have slightly cheaper car insurance rates, especially at younger ages.

Auto insurance for a 16-year-old female driver in Missoula costs an average of $392 less per year than male drivers, while at age 19, the cost difference is significantly less but still $724 per year.

Car insurance cost for popular vehicles

The auto insurance costs referenced previously are averaged for every 2024 model year vehicle, which is helpful when making general comparisons like the cost difference between driver ages or locations.

Average car insurance rates work well when presented with a question like “are Missoula auto insurance rates cheaper than in Great Falls?” or “is Montana auto insurance cheaper than New York?”.

For deeper cost comparisons, however, we get better data if we instead use rates for the exact make and model of vehicle being insured. Each individual vehicle model has it’s own profile for liability and physical damage claims, and this data allows us to make more detailed insurance cost analysis.

This next chart breaks down average auto insurance cost for the more popular models on the streets and highways of Missoula. Later on in this article, there is a section that explores the cost of insurance for some of these vehicles even more in-depth.

Vehicle models that are popular in Missoula tend to be compact and midsize sedans like the Volkswagen Jetta and Honda Accord and compact and midsize SUVs like the Toyota RAV4 and Subaru Outback.

Additional popular models from other segments include luxury SUVs like the BMW X5 and Infiniti QX60, luxury cars like the BMW 530i and Acura ILX, and pickup trucks like the Chevy Silverado and Ford Ranger.

We will explore rates in much more detail later on in this article, but before we get into those numbers, let’s revisit the comparisons and key concepts that we covered in this first section.

• Average car insurance cost per month ranges from $116 to $496 – That’s the average auto insurance cost range for drivers from age 16 to 60 in Missoula.
• Missoula car insurance rates are cheaper than the Montana state average – $1,672 (Missoula average) versus $1,764 (Montana average)
• Missoula, Montana, car insurance cost is less than the U.S. average – $1,672 (Missoula average) compared to $1,883 (U.S. average)
• Teen girls pay cheaper rates than teen males – Teenage female drivers age 16 to 19 pay $724 to $392 less each year than males of the same age.
• Auto insurance is generally cheaper the older you are – Insurance rates for a 60-year-old driver in Missoula are $1,978 per year cheaper than for a 20-year-old driver.
• Auto insurance with low deductibles costs more – A 40-year-old driver pays an average of $544 more per year for $250 deductibles compared to $1,000 deductibles.

What are the cheapest vehicles to insure in Missoula, Montana?

The vehicles with the cheapest insurance prices in Missoula, MT, tend to be small SUVs like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks.

Average insurance quotes for those models cost $113 or less per month for full coverage.

Some other models that rank well in the cost comparison table below are the Kia Niro, Volkswagen Taos, Acura RDX, and Ford Bronco Sport. Average auto insurance rates are marginally higher for those models than the cheapest crossovers and compact SUVs at the top of the rankings, but they still have average rates of $1,434 or less per year ($120 per month).

The next table breaks down the vehicles with the cheapest overall insurance rates in Missoula, sorted by annual and monthly insurance cost.

A table showing 20 vehicle models with cheap Missoula car insurance serves the purpose if you’re just looking for any vehicle with cheap insurance rates. Considering the fact that we have over 700 models in our database, only about 3% of vehicles are displayed.

So let’s take a different approach and list the models with the cheapest rates in Missoula a more sensible way, by automotive segment. The following sections rank the top 20 vehicles with the lowest cost insurance rates for the six main vehicle segments.

Cheapest cars to insure in Missoula

Ranking in the top five for the cheapest Missoula car insurance rates in the car segment (excluding luxury models) are the Subaru Impreza, Nissan Sentra, Toyota GR Corolla, Honda Civic, and Nissan Leaf. Auto insurance prices for these 2024 models average $128 or less per month.

Additional cars that have cheaper rates include the Chevrolet Malibu, Honda Accord, Toyota Prius, and Kia K5, with an average car insurance cost of $1,622 per year or less.

Some additional vehicles worth mentioning include the Volkswagen Jetta, Toyota Corolla, Hyundai Sonata, Mitsubishi Mirage G4, and Nissan Versa, which average between $1,622 and $1,728 per year for auto insurance.

Full-coverage auto insurance for this segment in Missoula starts at around $121 per month, depending on the company and your location.

The cheapest compact car to insure in Missoula is the Toyota GR Corolla at $1,452 per year. For midsize 2024 models, the Hyundai Ioniq 6 is cheapest to insure at $1,536 per year. And for full-size cars, the Chrysler 300 is most affordable to insure at $1,588 per year.

The next table ranks the cars with the cheapest insurance in Missoula, starting with the Toyota GR Corolla at $1,452 per year and ending with the Mazda 3 at $1,728 per year.

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

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

Cheapest SUV insurance rates in Missoula

The four highest ranking SUVs with the most affordable average insurance rates in Missoula are the Subaru Crosstrek at $1,234 per year, Chevrolet Trailblazer at $1,254 per year, Kia Soul at $1,304 per year, and Nissan Kicks at $1,314 per year.

Also ranking in the top 10 are models like the Toyota Corolla Cross, Ford Bronco Sport, Mazda CX-5, and Hyundai Venue, with an average cost of $1,368 per year or less.

Additional models that rank well include the Volkswagen Taos, Kia Niro, Subaru Ascent, Subaru Outback, and Honda CR-V, which average between $1,368 and $1,454 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage insurance in Missoula on this segment for an average middle-age driver starts at around $103 per month, depending on the company and your location. The rate comparison table below ranks the twenty SUVs with the lowest-cost auto insurance rates in Missoula, starting with the Subaru Crosstrek at $103 per month and ending with the Honda HR-V at $121 per month.

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

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

Cheapest luxury cars to insure in Missoula, MT

Ranking at the top for the cheapest Missoula auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, Lexus IS 300, Acura Integra, Acura TLX, and BMW 330i. Car insurance prices for these vehicles average $144 or less per month.

Other luxury cars that have affordable average insurance rates are the Lexus RC 300, Lexus ES 350, Genesis G70, and Mercedes-Benz AMG CLA35, with average rates of $1,758 per year or less.

Ranked in the lower half of the top 20, cars like the Lexus IS 350, Jaguar XF, Lexus RC 350, BMW 228i, and Lexus ES 300h cost between $1,758 and $1,874 per year for auto insurance in Missoula.

Auto insurance for this segment in Missoula for an average middle-age driver starts at around $124 per month, depending on where you live and the company you use.

If insurance rates are ranked by vehicle size, the most budget-friendly compact luxury car to insure in Missoula is the Acura Integra at $1,486 per year, or $124 per month. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $1,720 per year, or $143 per month. And for full-size luxury car models, the Audi A5 is cheapest to insure at $1,978 per year, or $165 per month.

The next table ranks the cars with the cheapest insurance rates in Missoula, starting with the Acura Integra at $124 per month and ending with the Audi S3 at $156 per month.

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

Don’t see insurance cost for your luxury car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Missoula car insurance quotes from top-rated companies in Montana.

Cheapest luxury SUVs to insure in Missoula, Montana

The most affordable luxury SUV models to insure in Missoula are the Acura RDX at $1,398 per year, the Lexus NX 250 at $1,478 per year, and the Cadillac XT4 at $1,510 per year.

Some other luxury SUVs that are affordable to insure are the Lexus UX 250h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 450h, with average insurance cost of $1,612 per year or less.

Some additional 2024 models that made the list include the Lexus NX 350, Mercedes-Benz GLA35 AMG, Land Rover Evoque, Lexus RX 350, and Mercedes-Benz AMG GLB35, which average between $1,612 and $1,676 to insure per year in Missoula.

On a monthly basis, full-coverage car insurance in this segment for a middle-age safe driver starts at an average of $117 per month, depending on the company.

The table below ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Missoula, starting with the Acura RDX at $1,398 per year and ending with the Lexus NX 350 at $1,676 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

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

Cheapest sports cars to insure in Missoula, MT

The four lowest-cost sports cars to insure in Missoula are the Mazda MX-5 Miata at $1,546 per year, Toyota GR86 at $1,760 per year, Ford Mustang at $1,836 per year, and BMW Z4 at $1,846 per year.

Some other sports cars that have cheaper rates are the BMW M2, Subaru BRZ, Nissan Z, and Toyota GR Supra, with average cost of $2,000 per year or less.

In the lower half of the top 20 sports cars to insure, models like the Jaguar F-Type, BMW M4, Mercedes-Benz AMG GT53, Lexus LC 500, Porsche Taycan, and Porsche 718 cost between $2,000 and $2,832 per year to insure.

Auto insurance rates for this segment in Missoula starts at an average of $129 per month, depending on your location and insurance company.

The rate comparison table below ranks the sports cars with the lowest-cost average auto insurance rates in Missoula, starting with the Mazda MX-5 Miata at $129 per month and ending with the Porsche Taycan at $236 per month.

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

Cheapest pickup insurance rates in Missoula

Ranking highest for the lowest-cost Missoula auto insurance rates in the pickup segment are the Nissan Frontier, Chevrolet Colorado, Ford Maverick, Ford Ranger, and Nissan Titan. Car insurance quotes for these 2024 models average $135 or less per month.

Not the cheapest pickups to insure, but still very reasonable, are models like the Toyota Tacoma, GMC Sierra 2500 HD, GMC Canyon, and Honda Ridgeline, with average annual insurance rates of $1,720 per year or less.

On a monthly basis, car insurance in this segment for a safe driver will start around $119 per month, depending on your location and insurance company. The next table ranks the pickups with the lowest-cost insurance in Missoula, starting with the Chevrolet Colorado at $119 per month and ending with the Ram Truck at $161 per month.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

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

Variability of car insurance rates

In an effort to help illustrate the amount that car insurance rates can range from one person to the next (and also point out the importance of accurate price quotes), the examples below show a wide range of rates for four popular vehicles in Missoula: the Ford F150, Nissan Sentra, Honda CR-V, and Toyota Highlander.

The example for each vehicle displays rates for a variety of different driver profiles to illustrate how rates have significant variation when using different driver profiles.

Ford F150 insurance rates

Car insurance for a Ford F150 in Missoula costs an average of $1,872 per year, or about $156 per month, and varies from $1,550 to $4,322 annually for the different driver profiles in the chart below.

The Ford F150 is classified as a full-size truck, and other popular same-segment models include the Chevrolet Silverado, Toyota Tundra, and Nissan Titan.

Nissan Sentra insurance rates

Nissan Sentra insurance in Missoula costs an average of $1,532 per year ($128 per month) and ranges from $1,272 to $3,482 annually.

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

Honda CR-V insurance rates

In Missoula, Honda CR-V insurance costs an average of $1,426 per year, or about $119 per month, and ranges from $1,184 to $3,274 per year.

The Honda CR-V is part of the compact SUV segment, and other similar models include the Toyota RAV4, Ford Escape, Subaru Forester, and Nissan Rogue.

Toyota Highlander insurance rates

Toyota Highlander insurance in Missoula averages $1,520 per year (about $127 per month) and varies from $1,266 to $3,476.

The Toyota Highlander is a midsize SUV, and other similar models that are popular in Missoula, MT, include the Jeep Grand Cherokee, Kia Sorento, and Kia Telluride.

Saving money on car insurance

Missoula drivers should always be looking to save money on insurance So scan the tips below and maybe you can save a few dollars on your next renewal or new policy.

• Compare insurance costs before buying a car. Different vehicles, and even different trims of the same vehicle, can have very different insurance premiums, and companies charge a wide range of costs. Check the cost of insurance before you purchase in order to prevent any surprises when you get the bill.
• Choose a vehicle that is more affordable to insure. The performance of the vehicle you drive has a significant impact on the cost of car insurance in Missoula. As an example, a Kia Telluride costs $1,380 less per year to insure in Missoula than a Acura NSX. Choose cheaper models and save money.
• Stay claim free and save. Insurance companies give a discounted rate if you have no claims on your account. Insurance should be used in the case of significant financial loss, not small claims that can be paid out-of-pocket.
• Citations and violations increase insurance cost. In order to have affordable auto insurance in Missoula, it pays to drive safe. Just a few minor driving offenses have the ramification of spiking rates as much as $444 per year.
• Your choice of occupation could lower your rates. The large majority of car insurance companies offer discounts for earning a living in occupations like firefighters, dentists, doctors, high school and elementary teachers, emergency medical technicians, scientists, and others. By working in a job that qualifies, you may save between $50 and $163 on your auto insurance bill, depending on your age.
• Shop around for better prices. Setting aside a few minutes every year or so to get some free car insurance quotes is our best recommendation for saving the most money. Rates change quite often and you can switch anytime.