Montana · Auto Insurance
Montana Auto Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for Montana auto insurance.
State Avg Annual
$1,750
Minimum Liability
25/50/20
No-Fault State
No
State Code
MT
Estimated Premium
$149/ month
$1,783 per year
State base rate$1,872
Age factor×1.00
Vehicle factor×1.00
Driving history factor×1.00
Coverage tier factor×1.00
About auto insurance in Montana
Montana drivers pay an average of $1,750 per year for auto insurance. The state requires minimum liability limits of 25/50/20 (bodily injury per person / per accident / property damage).
Montana is an at-fault state — the driver responsible for the accident is liable for damages.
Recommended coverage
State minimums are rarely enough. Most households should carry at least 100/300/100 liability, plus uninsured/underinsured motorist coverage.