For a 40-year-old driver with a clean record, car insurance in Missoula, MT, averages about $159 a month ($1,909 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 11% under Montana’s $178 monthly average. Full-coverage averages in Missoula run from about $80 to $221 a month across the five major insurers we compared (Farmers, GEICO, Progressive, Safeco and State Farm). Use these averages as a benchmark when you compare auto insurance quotes in Missoula, MT.
Missoula is the least expensive of the 37 Montana cities and towns we price for our benchmark driver, at about $159 a month for full coverage, about $19 a month less than the Montana average. For statewide prices and how Montana compares with its neighbors, see our guide to Montana car insurance quotes.
Our data covers five ZIP codes with a Missoula mailing address, and they’re priced within about $2 a month of each other, from about $158 in 59804 to $160 in 59801, so the insurer you pick matters far more than your Missoula ZIP code.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Missoula ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Does Car Insurance Cost in Missoula, MT?
Full coverage in Missoula, MT, averages about $159 a month ($1,909 a year), and liability only at 25/50/10 limits averages $46 a month. Both are for a 40-year-old driver with a clean record, using rates insurers had filed with state regulators as of Aug. 31, 2026. The Montana average is $178 a month, so that figure is 11% lower.
- Full coverage (100/300/100, $500 deductibles): $1,909 a year ($159 a month)
- 50/100/50 with $500 deductibles: $1,764 a year ($147 a month)
- Liability only (25/50/10): $550 a year ($46 a month)
- Missoula County: $1,917 a year ($160 a month) for full coverage
- Montana average: $2,136 a year ($178 a month) for full coverage
- ZIP code range: $158 (59804) to $160 (59801) a month for full coverage
Safeco is priced far below the other insurers here, at about $80 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 Missoula average would be about $179 a month.
Cheapest Car Insurance in Missoula, MT: Companies Compared
- Full-coverage range: about $80 to $221 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among insurers anyone can buy from (25/50/10): State Farm, at about $33 a month, then GEICO at $34.
- Also on our list: USAA at about $120 a month for full coverage, Nationwide at $138 and Allstate at $227 (USAA sells only to military families).
- Most expensive among the five major insurers we compared: Farmers, at about $221 a month.
Safeco’s Missoula average, about $80 a month, is 41% below State Farm’s ($136), 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 anyone can buy from, at about $33 a month, with GEICO close behind at $34.
Full-coverage averages by insurer in Missoula
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 | $456 | $38 | $963 | $80 |
| State Farm | $396 | $33 | $1,633 | $136 |
| Progressive | $500 | $42 | $2,094 | $175 |
| GEICO | $411 | $34 | $2,205 | $184 |
| Farmers | $986 | $82 | $2,651 | $221 |
| USAA (military families)* | $325 | $27 | $1,445 | $120 |
| Nationwide* | $730 | $61 | $1,650 | $138 |
| Allstate* | $629 | $52 | $2,729 | $227 |
| Missoula average | $550 | $46 | $1,909 | $159 |
This table uses Missoula ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Missoula Car Insurance Rates by ZIP Code
Across the five Missoula ZIP codes we price, full coverage for our driver ranges from about $158 a month in 59804 to $160 in 59801, a gap of $30 a year. 59804 is on the city’s west side, and 59801 sits just southwest of downtown.
Lowest-priced Missoula ZIP code
Highest-priced Missoula ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Missoula’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 59801 | $556 | $46 | $1,922 | $160 | +1% |
| 59802 | $542 | $45 | $1,912 | $159 | About average |
| 59803 | $551 | $46 | $1,910 | $159 | About average |
| 59804 | $546 | $46 | $1,892 | $158 | -1% |
| 59808 | $554 | $46 | $1,910 | $159 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Missoula?
Raising liability limits from 50/100/50 to 100/300/100 adds about $145 a year on average in our Missoula data, with the same $500 deductibles. That’s about $12 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 Missoula?
Slightly, for our benchmark driver. Comparing the same insurers in the same Missoula ZIP codes, full coverage averaged $1,899 a year nine months earlier and $1,909 in rates as of Aug. 31, 2026, a 0.5% increase. State Farm raised its average 2.3% and Farmers 0.5%, while GEICO’s, Progressive’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits rose 4.2%, led by Farmers, which raised its liability-only average 12.6%.
What Keeps Car Insurance Costs Down in Missoula
Missoula County averages about $160 a month for full coverage, the least expensive of the 23 Montana counties we price. Powell County, home to Deer Lodge, averages $164, and Ravalli County, to the south, $167.
Towns south of the city cost a little more. Lolo, about nine miles southwest, averages about $163 a month, and the Bitterroot Valley towns of Florence, Stevensville and Hamilton, about 17 to 45 miles south, average $164 to $170. In Missoula, Progressive’s full-coverage average, about $175 a month, is below GEICO’s ($184). Where you live is one of the factors Montana insurers use, so neighboring towns can be priced differently.
How Missoula 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.
Butte, about 92 miles southeast, averages $174 a month, and Helena, about 95 miles east, $165. Great Falls, farther northeast, averages $182, and Billings, the most expensive of our six Montana city guides, $191.
What Car Insurance Is Required in Missoula?
Drivers in Missoula 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 Missoula
- Compare Safeco and State Farm first. They have the two lowest full-coverage averages of the five major insurers we compared in Missoula, about $80 and $136 a month.
- Quote several insurers. Among the five major insurers we compared in Missoula, the lowest and highest averages are about $141 a month apart for the same driver and car.
- Think before you reject uninsured motorist coverage. Montana policies include it at 25/50 unless you sign a form turning it down, and once you do, it stays off at renewal until you ask for it in writing, under 33-23-201 MCA. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.
- Compare at every renewal. Over the past nine months, State Farm has raised its average 2.3% and Farmers 0.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Missoula home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Missoula 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: 25 full-coverage premiums from five insurers across five Missoula ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- 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 each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes 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 codes, 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.
Missoula Car Insurance FAQ
Car insurance in Missoula, MT, costs about $159 a month ($1,909 a year) for full coverage and $46 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 11% below the Montana average of $178 a month.
It depends on the coverage. For full coverage, averages in Missoula run from about $80 to $221 a month across the five major insurers we compared, 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 anyone can buy from, at about $33 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Missoula full coverage averages about $159 a month, 11% below the Montana average of $178, and it’s the least expensive of the 37 Montana cities and towns we price. Hardin, the most expensive of the 37 places we price, averages about $213.
In our data, 59804 has the lowest full-coverage average in Missoula, at about $158 a month, and 59801 the highest, at about $160. The ZIP code table on this page lists all five.
Drivers in Missoula follow Montana’s rules: liability coverage of at least $25,000 per person and $50,000 per crash for injuries and $20,000 for property damage (25/50/20), and every policy includes uninsured motorist coverage at 25/50 unless you sign a form rejecting it. The liability-only prices on this page use 25/50/10 limits, below that minimum, and liability-only coverage won’t pay to repair your own car.
No. Montana is an at-fault state: the driver who causes a crash is responsible for the damage, which is what their liability coverage pays for. You can recover damages from the other driver as long as you weren’t more at fault than they were.
For our benchmark driver, full coverage in Missoula averages about $159 a month. Nearby, Butte averages about $174, Helena about $165 and Great Falls about $182. Missoula is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- 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.
