Average full-coverage premium in Montana: $1,480/year — ranked #28 most expensive state in the US.
Avg Annual Premium
$1,480
Minimum Coverage
$25K/$50K/$20K
Uninsured Driver Rate
7.9%
| City | Avg Annual Premium | vs State Average |
|---|---|---|
| Billings | $1,580/yr | +6.8% |
| Missoula | $1,420/yr | -4.1% |
| Great Falls | $1,380/yr | -6.8% |
Source: Rate estimates based on NAIC data and carrier filings, March 2026.
Montana requires all drivers to carry minimum liability insurance of 25/50/20 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Montana is a tort state covering an enormous geographic area with a small, dispersed population. The state's vast distances between communities mean that when accidents occur, emergency response times can be lengthy and the severity of injuries may be compounded. Montana's low population density generally keeps accident frequency low, contributing to rates that are moderate despite the challenging driving environment.
Wildlife collisions are one of the most significant vehicle risks in Montana. The state's large populations of deer, elk, and other ungulates regularly cross roads — particularly at dawn and dusk — creating unavoidable hazards for drivers. Comprehensive coverage is important in Montana specifically for animal strike claims. Winter driving conditions across Montana's mountain passes and high plains are severe, and long stretches of interstate without services mean vehicle reliability and adequate insurance are critical safety considerations for Montana drivers.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.