For a 40-year-old driver with a clean record, car insurance in Butte, MT, averages about $174 a month ($2,084 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Montana average of $178 a month. Full-coverage averages in Butte run from about $86 to $242 a month across the five insurers we price. Use these averages as a benchmark when you compare auto insurance quotes in Butte, MT.
Butte sits just below the Montana average for our benchmark driver, about $4 a month less, and costs about $9 a month more than Helena, about 47 miles northeast. Our data covers one ZIP code with a Butte mailing address, 59701, so every price on this page is for it.
Butte and Silver Bow County share one consolidated government, Butte-Silver Bow, so the city takes in nearly the whole county. These figures are for ZIP code 59701, which also serves the town of Walkerville, not for all of Butte-Silver Bow: our rate data doesn’t include other Butte-Silver Bow ZIP codes, such as 59727, 59748 and 59750. Our guide to Montana car insurance quotes has statewide prices.
Cost data comes from the auto rates insurers file with state regulators, priced in ZIP code 59701, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
How Much Does Car Insurance Cost in Butte, MT?
Car insurance in Butte, MT, costs about $174 a month ($2,084 a year) for full coverage and $43 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s close to the Montana average of $178 a month.
- Full coverage (100/300/100, $500 deductibles): $2,084 a year ($174 a month)
- 50/100/50 with $500 deductibles: $1,952 a year ($163 a month)
- Liability only (25/50/10): $517 a year ($43 a month)
- Silver Bow County: $2,084 a year ($174 a month) for full coverage
- Montana average: $2,136 a year ($178 a month) for full coverage
Safeco is priced far below the other insurers here, at about $86 a month for full coverage, less than half the average of the other four. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Safeco, the Butte average would be about $196 a month.
Cheapest Car Insurance in Butte, MT: Companies Compared
- Full-coverage range: about $86 to $242 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among insurers open to all drivers (25/50/10): State Farm, at about $31 a month, then Progressive at $35.
- Also on our list: USAA at about $132 a month for full coverage, Nationwide at $150 and Allstate at $249 (USAA sells only to military families).
- Most expensive among insurers we rank: Farmers, at about $242 a month.
Safeco’s Butte average, about $86 a month, is 41% below State Farm’s ($147), a lead wide enough that we show the range instead of naming a single cheapest insurer. Seven of the eight statewide Montana rate studies we reviewed rank State Farm cheapest for full coverage, apart from USAA, which sells only to military families; the eighth, which shows no publication date, puts Nationwide first. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among insurers open to all drivers, at about $31 a month, followed by Progressive at $35.
Full-coverage averages by insurer in Butte
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Safeco | $473 | $39 | $1,029 | $86 |
| State Farm | $371 | $31 | $1,768 | $147 |
| Progressive | $425 | $35 | $2,220 | $185 |
| GEICO | $442 | $37 | $2,494 | $208 |
| Farmers | $872 | $73 | $2,908 | $242 |
| USAA (military families)* | $307 | $26 | $1,579 | $132 |
| Nationwide* | $691 | $58 | $1,803 | $150 |
| Allstate* | $596 | $50 | $2,982 | $249 |
| Butte average | $517 | $43 | $2,084 | $174 |
This table uses ZIP code 59701 only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Butte?
Raising liability limits from 50/100/50 to 100/300/100 adds about $132 a year on average in our Butte data, with the same $500 deductibles. That’s about $11 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Butte?
Slightly, for our benchmark driver. Comparing the same insurers in the same Butte ZIP code, full coverage averaged $2,069 a year in rates as of Nov. 30, 2025, and $2,084 as of Aug. 31, 2026, a 0.7% increase. State Farm raised its average 2.7% and Farmers 0.9%, while GEICO’s, Progressive’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits rose 3.4%, led by Farmers, which raised its liability-only average 10.7%.
What Shapes Car Insurance Costs in Butte
Because 59701 is Silver Bow County’s only ZIP code in our data, the county and Butte share one average, about $174 a month for full coverage, the eighth-least expensive of the 23 Montana counties we price.
Nearby towns cost a little less: Anaconda, to the northwest, averages about $168 a month, Deer Lodge, about 30 miles north, $164, and Dillon, about 55 miles south, $167. In Butte, Progressive’s full-coverage average, about $185 a month, is below GEICO’s ($208), which is true in only 13 of the 37 Montana cities and towns we price. Where you live is one of the factors Montana insurers use, so neighboring towns can be priced differently.
How Butte Car Insurance Compares With Other Montana Cities
More Montana cities and towns are in the Montana rates by city table, and you can compare states on our car insurance rates by state page.
Helena, about 47 miles northeast, averages $165 a month, and Bozeman, about 75 miles east, $169. Missoula, about 92 miles northwest, averages $159.
What Car Insurance Is Required in Butte?
Drivers in Butte follow Montana’s rules. Every car insurance policy for a vehicle registered and driven in Montana must include at least:
- Liability coverage of $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20)
- Uninsured motorist coverage at 25/50, which comes with the policy unless you sign a form rejecting it
The liability-only prices on this page use 25/50/10 limits, so their $10,000 in property damage coverage is below that minimum. Our Montana requirements guide covers proof of insurance, the state’s verification system and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Butte
- Compare Safeco and State Farm first. They have the two lowest full-coverage averages of the five insurers we price in Butte, about $86 and $147 a month.
- Quote several insurers. Among the insurers we rank in Butte, the lowest and highest averages are about $156 a month apart for the same driver and car.
- Don’t let your coverage lapse. Montana requires continuous insurance on a registered vehicle, under 61-6-301 MCA, and a second uninsured conviction within five years costs $350, under 61-6-304 MCA.
- Compare at every renewal. Since November 2025, State Farm has raised its average 2.7% and Farmers 0.9%, so the order in our table can shift.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Montana home insurance rates before you shop.
Ready to compare
How We Calculated Butte Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: five full-coverage premiums from five insurers in ZIP code 59701, plus the same number of liability-only and 50/100/50 premiums.
- Geography: Butte-Silver Bow is a consolidated city-county. We price ZIP code 59701, the only Butte-Silver Bow ZIP code in our rate data, which also serves Walkerville; the county’s other ZIP codes aren’t included.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Montana’s minimum is now 25/50/20, so our liability-only prices use lower limits than the law requires: $10,000 in property damage liability instead of $20,000.
- Calculation: for each insurer we take its lowest eligible price in ZIP code 59701. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Montana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Montana law and the Montana Commissioner of Securities and Insurance. We refresh these figures when new rate data is released.
Butte Car Insurance FAQ
Car insurance in Butte, MT, costs about $174 a month ($2,084 a year) for full coverage and $43 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026. That’s close to the Montana average of $178 a month.
It depends on the coverage. For full coverage, averages in Butte run from about $86 to $242 a month across the five insurers we price, and the gap between the two lowest of those five is too wide for us to call one insurer the cheapest. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among insurers open to all drivers, at about $31 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Helena, for our benchmark driver. Butte full coverage averages about $174 a month and Helena about $165, a difference of about $9 a month for the same driver and car.
No. They’re for ZIP code 59701, which has a Butte mailing address and also serves Walkerville; full coverage there averages about $174 a month for our benchmark driver. Our rate data doesn’t include other Butte-Silver Bow ZIP codes, such as 59727, 59748 and 59750.
In our Butte data, full coverage (100/300/100 with $500 deductibles) averages about $174 a month and liability-only coverage at 25/50/10 limits about $43, a difference of about $131 a month ($1,567 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP code, Butte full coverage rose 0.7% between November 2025 and August 2026, from about $2,069 to $2,084 a year. State Farm raised its average 2.7% and Farmers 0.9%. Liability-only coverage at 25/50/10 limits rose 3.4%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
