Montana Auto Insurance Quotes

Montana auto insurance Like all states, Montana requires that you are financially responsible for any vehicles that you drive. You must have the minimum insurance coverages on your vehicle:

  • $25,000 per person involved, typically $50,000 per accident.
  • $10,000 for property damage.

Driving without insurance can result in a fine and even potential jail time. If you drive without insurance a second time, you can lose your license for even longer and face even harsher penalties. The Montana Code Annotated Title 61 Chapter 6 forces insurance agencies to report new policies to the state. You also have to tell the Montana Department of Motor Vehicles (DMV) when you change your policy.

Auto Insurance Rates for Montana

The price of auto insurance depends on a range of factors. These include your driving record, location, and the people driving your vehicle. Your premiums can also change depending on how much you insure for, and what coverage you want. Here are a few factors to keep in mind:

1. Your age: Younger people are statistically more likely to be involved in accidents. Adding a teen to your policy can potentially raise your premium.

2. Your chosen deductible: A higher deductible may seem like a good idea when signing your policy, as it equates to a lower monthly payment. However, it may be a burden when you need to file a claim. Weigh your risk factors before choosing a deductible.

3. Your car's age and value: Insurance companies factor the age and value of your car in different ways. One company may charge more to insure an older vehicle because it does not have updated safety features. Another may charge more for a newer car of greater value because it represents a high theft risk. It's best to get quotes based on your specific vehicle and make a decision from there.

Sample of Annual Montana Auto Insurance Rates

Anaconda Auto Insurance

Anaconda is in the foothills of the Pintlar Mountains, and the Continental Divide passes about 10 miles south of the city. Located just west of Butte, dense forests surround Anaconda, which had a large mining industry in the 1900s, but today is dominated by outdoor recreation opportunities.

Interstate 90 passes through Anaconda and east into Butte. I-90 continues north through Missoula and the Lolo National Forest and the Flathead Reservation. Interstate 15 travels south by the Beaverhead Deerlodge National Forest and continues to Idaho Falls, Idaho.

City Single Married
Low High Low High
Anaconda $605.00 $3,341.00 $605.00 $3,341.00

Butte Auto Insurance

Butte was Montana's first major city and is known as the state's "most historic city." It began as a mining camp, but today is one of Montana's premiere urban centers. Butte has a very large historic district that was built up during the mining boom times of the early 1900s when it was one of the largest cities in the Rocky Mountains. Today, Butte has a thriving museum and festival culture, as well as a wealth of outdoor recreational activities at its disposal.

Interstate 15 travels south from Butte to Idaho Falls, Idaho and north to Great Falls. Interstate 90 travels northwest past Missoula through the Lolo National Forest and the Flathead Reservation and east through Bozeman.

City Single Married
Low High Low High
Butte $526.00 $3,429.00 $526.00 $3,429.00

Billings Auto Insurance

Billings is a city in southern Montana and the largest in the state. It is home to the only permanent evidence from the Lewis and Clark Expedition - a signature carved into Pompey's Pillar. Billings is the only metropolitan area in Montana with more than 100,000 people, and sections of the city are growing rapidly. Billings serves as a commercial hub for areas miles around.

Interstate 90 travels southeast from Billings into the Crow Reservation, and west to Bozeman. Interstate 94 travels east from Billings through Miles City and into North Dakota. U.S. 212 travels southwest into Wyoming and Yellowstone National Park.

City Single Married
Low High Low High
Billings $505.00 $3,200.00 $505.00 $3,200.00

Troy

The discovery of gold in Troy brought many settlers in the 1860s and the city grew further when the Great Northern Railroad arrived. Large forest fires threatened the town in the early 1900s. Today, many residents work in mining, education, tourism and retail.

U.S. Highway 2 crosses into Idaho to the northwest. U.S. Highway 2 goes to Kootenai Falls to the southeast. Roosevelt Parkway crosses the Kootenay River to the east.

City Single Married
Low High Low High
Troy $619.00 $3,998.00 $619.00 $3,998.00

Missoula Auto Insurance

Missoula is located at the western edge of Montana, along the Clark Fork River. It offers a balanced combination of hip urban life with serene natural beauty. Missoula is dominated by outdoor recreation, arts, culture and museums. Missoula is home to the University of Montana.

Interstate 90 travels west from Missoula through the Lolo National Forest near the Flathead Reservation and southeast to Butte. U.S. 12 travels southwest through the Lolo Hot Springs and into Idaho's Selway-Bitterroot Wilderness.

City Single Married
Low High Low High
Missoula $495.00 $3,236.00 $495.00 $3,236.00

Great Falls Auto Insurance

Great Falls is known as the Electric City because of its numerous dams and power plants. Great Falls has more than 50 parks and 40 miles of scenic trails along the Missouri River, which the city straddles. Visitors to Gibson Park will find live music during the summer months, as well as a walking path and duck pond. Great Falls is named after the series of five waterfalls along the upper Missouri River basin.

Interstate 15 travels south from Great Falls to Helena and north into Canada. U.S. Highway 87 travels southeast toward Billings and near the Lewis and Clark National Forest.

City Single Married
Low High Low High
Great Falls $561.00 $3,450.00 $561.00 $3,450.00

Bozeman Auto Insurance

Bozeman is in southwestern Montana in the Gallatin Valley and surrounded by striking mountains. Bozeman is home to Montana State University and averages 300 days of sunshine a year. Bozeman offers skiing as well as a local symphony and ballet.

Bozeman straddles Interstate 90, which travels east toward Billings and west to Butte. Montana Route 86 travels north through the Saddle Peak mountains. U.S. Highway 191 travels south through Big Sky.

City Single Married
Low High Low High
Bozeman $527.00 $3,487.00 $527.00 $3,487.00

Helena Auto Insurance

Helena is the capital of Montana, located between Yellowstone National Park and Glacier National Park. Helena has more than 75 miles of mountain bike and hiking trails originating in downtown. Helena was born as a mining camp during the gold rush. Today about a third of the city works for the government. It is also home to Helena College.

Interstate 15 travels through Helena, going south to Butte and north to Great Falls. U.S. Highway 12 travels west through the Lolo National Forest. U.S. Highway 287 travels southeast to Yellowstone.

City Single Married
Low High Low High
Helena $498.00 $3,291.00 $498.00 $3,291.00

Whitefish Auto Insurance

Whitefish is located in the northern Rocky Mountains near the edge of Glacier National park. Whitefish offers cross country skiing, snowshoeing, and back country skiing. In the warmer months, Whitefish is surrounded by millions of acres of protected state and federal lands ready for fishing, kayaking or rafting. In the summer, Whitefish has live music festivals and a weekly farmers market, as well as the Huckleberry Days Arts Festival.

U.S. Highway 2 travels east into Glacier National Park. U.S. Highway 93 travels north into Canada and south to Kalispell and along the Flathead Lake.

City Single Married
Low High Low High
Whitefish $581.00 $4,013.00 $581.00 $4,013.00

Kalispell Auto Insurance

Kalispell is 30 minutes north of Flathead Lake and near Whitefish Mountain Ski Resort. Nestled in the Flathead Valley, outdoor recreation from skiing to cycling, fishing and hiking dominate the culture of Kalispell.

U.S. Highway 93 travels south along the Flathead Lake. U.S. Highway 2 travels west into the Kootenai National Forest and east into Glacier National park. U.S. Highway 93 travels north through Whitefish and into Canada.

City Single Married
Low High Low High
Kalispell $568.00 $4,013.00 $568.00 $4,013.00

City Single Married
Low High Low High
Absarokee $600.00 $4,727.00 $600.00 $4,727.00
Acton $607.00 $4,750.00 $607.00 $4,750.00
Alberton $531.00 $3,813.00 $531.00 $3,813.00
Alzada $627.00 $4,650.00 $627.00 $4,650.00
Anaconda $605.00 $3,341.00 $605.00 $3,341.00
Angela $564.00 $4,382.00 $564.00 $4,382.00
Antelope $617.00 $4,452.00 $617.00 $4,452.00
Arlee $594.00 $3,381.00 $594.00 $3,381.00
Ashland $643.00 $4,650.00 $643.00 $4,650.00
Augusta $602.00 $3,457.00 $602.00 $3,457.00
Babb $612.00 $3,847.00 $612.00 $3,847.00
Bainville $601.00 $4,452.00 $601.00 $4,452.00
Baker $588.00 $4,382.00 $588.00 $4,382.00
Ballantine $515.00 $4,449.00 $515.00 $4,449.00
Bearcreek $636.00 $4,506.00 $636.00 $4,506.00
Belfry $636.00 $4,506.00 $636.00 $4,506.00
Belgrade $591.00 $3,417.00 $591.00 $3,417.00
Belt $627.00 $3,491.00 $627.00 $3,491.00
Biddle $627.00 $4,650.00 $627.00 $4,650.00
Big Arm $533.00 $3,697.00 $533.00 $3,697.00
Big Sandy $608.00 $4,690.00 $608.00 $4,690.00
Big Timber $561.00 $4,596.00 $561.00 $4,596.00
Bigfork $614.00 $4,013.00 $614.00 $4,013.00
Bighorn $617.00 $4,382.00 $617.00 $4,382.00
Billings $505.00 $3,200.00 $505.00 $3,200.00
Birney $643.00 $4,871.00 $643.00 $4,871.00
Black Eagle $562.00 $3,530.00 $562.00 $3,530.00
Bloomfield $611.00 $4,382.00 $611.00 $4,382.00
Bonner $583.00 $3,210.00 $583.00 $3,210.00
Boulder $621.00 $3,637.00 $621.00 $3,637.00
Box Elder $600.00 $4,690.00 $600.00 $4,690.00
Bozeman $527.00 $3,487.00 $527.00 $3,487.00
Brady $626.00 $3,682.00 $626.00 $3,682.00
Bridger $615.00 $4,727.00 $615.00 $4,727.00
Broadus $631.00 $4,650.00 $631.00 $4,650.00
Broadview $585.00 $4,626.00 $585.00 $4,626.00
Brockton $602.00 $4,452.00 $602.00 $4,452.00
Brockway $597.00 $4,382.00 $597.00 $4,382.00
Browning $619.00 $3,833.00 $619.00 $3,833.00
Brusett $574.00 $4,382.00 $574.00 $4,382.00
Buffalo $591.00 $4,513.00 $591.00 $4,513.00
Busby $579.00 $4,871.00 $579.00 $4,871.00
Butte $526.00 $3,429.00 $526.00 $3,429.00
Bynum $609.00 $3,497.00 $609.00 $3,497.00
Cameron $568.00 $3,417.00 $568.00 $3,417.00
Canyon Creek $549.00 $3,333.00 $549.00 $3,333.00
Cardwell $567.00 $3,637.00 $567.00 $3,637.00
Carter $648.00 $4,545.00 $648.00 $4,545.00
Cascade $569.00 $3,457.00 $569.00 $3,457.00
Charlo $616.00 $3,687.00 $616.00 $3,687.00
Chester $627.00 $3,682.00 $627.00 $3,682.00
Chinook $608.00 $4,690.00 $608.00 $4,690.00
Choteau $587.00 $3,587.00 $587.00 $3,587.00
Circle $600.00 $4,382.00 $600.00 $4,382.00
Clancy $576.00 $3,451.00 $576.00 $3,451.00
Clinton $534.00 $3,210.00 $534.00 $3,210.00
Coffee Creek $594.00 $4,521.00 $594.00 $4,521.00
Cohagen $617.00 $4,382.00 $617.00 $4,382.00
Columbia Falls $577.00 $4,013.00 $577.00 $4,013.00
Columbus $649.00 $4,794.00 $649.00 $4,794.00
Condon $585.00 $3,813.00 $585.00 $3,813.00
Conner $590.00 $3,231.00 $590.00 $3,231.00
Conrad $626.00 $3,682.00 $626.00 $3,682.00
Corvallis $576.00 $3,341.00 $576.00 $3,341.00
Crow Agency $582.00 $4,603.00 $582.00 $4,603.00
Culbertson $602.00 $4,452.00 $602.00 $4,452.00
Custer $620.00 $4,382.00 $620.00 $4,382.00
Cut Bank $521.00 $3,682.00 $521.00 $3,682.00
Dagmar $617.00 $4,452.00 $617.00 $4,452.00
Darby $583.00 $3,341.00 $583.00 $3,341.00
Dayton $595.00 $3,829.00 $595.00 $3,829.00
Decker $569.00 $4,871.00 $569.00 $4,871.00
Deer Lodge $605.00 $3,333.00 $605.00 $3,333.00
Dell $577.00 $3,417.00 $577.00 $3,417.00
Denton $589.00 $4,521.00 $589.00 $4,521.00
Dillon $609.00 $3,417.00 $609.00 $3,417.00
Divide $606.00 $3,231.00 $606.00 $3,231.00
Dixon $619.00 $3,230.00 $619.00 $3,230.00
Dodson $668.00 $4,690.00 $668.00 $4,690.00
Drummond $553.00 $3,333.00 $553.00 $3,333.00
Dutton $623.00 $3,772.00 $623.00 $3,772.00
East Glacier Park $640.00 $3,847.00 $640.00 $3,847.00
East Helena $499.00 $3,291.00 $499.00 $3,291.00
Edgar $626.00 $4,573.00 $626.00 $4,573.00
Ekalaka $627.00 $4,382.00 $627.00 $4,382.00
Elmo $592.00 $3,678.00 $592.00 $3,678.00
Emigrant $602.00 $3,637.00 $602.00 $3,637.00
Ennis $563.00 $3,417.00 $563.00 $3,417.00
Essex $640.00 $3,847.00 $640.00 $3,847.00
Eureka $622.00 $3,847.00 $622.00 $3,847.00
Fairfield $585.00 $3,457.00 $585.00 $3,457.00
Fairview $620.00 $4,452.00 $620.00 $4,452.00
Fallon $596.00 $4,382.00 $596.00 $4,382.00
Fishtail $600.00 $4,506.00 $600.00 $4,506.00
Flaxville $601.00 $4,452.00 $601.00 $4,452.00
Florence $546.00 $3,236.00 $546.00 $3,236.00
Floweree $638.00 $4,545.00 $638.00 $4,545.00
Forest Grove $572.00 $4,521.00 $572.00 $4,521.00
Forsyth $580.00 $4,382.00 $580.00 $4,382.00
Fort Benton $625.00 $4,545.00 $625.00 $4,545.00
Fort Peck $602.00 $4,638.00 $602.00 $4,638.00
Fort Shaw $613.00 $3,484.00 $613.00 $3,484.00
Frazer $602.00 $4,452.00 $602.00 $4,452.00
Frenchtown $562.00 $3,236.00 $562.00 $3,236.00
Froid $617.00 $4,452.00 $617.00 $4,452.00
Fromberg $626.00 $4,794.00 $626.00 $4,794.00
Galata $513.00 $3,682.00 $513.00 $3,682.00
Gallatin Gateway $563.00 $3,637.00 $563.00 $3,637.00
Gardiner $598.00 $3,637.00 $598.00 $3,637.00
Garrison $555.00 $3,333.00 $555.00 $3,333.00
Garryowen $574.00 $4,603.00 $574.00 $4,603.00
Geraldine $613.00 $4,545.00 $613.00 $4,545.00
Geyser $618.00 $4,521.00 $618.00 $4,521.00
Gildford $583.00 $4,690.00 $583.00 $4,690.00
Glasgow $602.00 $4,638.00 $602.00 $4,638.00
Glendive $620.00 $4,382.00 $620.00 $4,382.00
Glentana $585.00 $4,646.00 $585.00 $4,646.00
Gold Creek $551.00 $3,333.00 $551.00 $3,333.00
Grass Range $569.00 $4,521.00 $569.00 $4,521.00
Great Falls $561.00 $3,450.00 $561.00 $3,450.00
Greycliff $572.00 $4,596.00 $572.00 $4,596.00
Hall $596.00 $3,333.00 $596.00 $3,333.00
Hamilton $576.00 $3,341.00 $576.00 $3,341.00
Hammond $627.00 $4,650.00 $627.00 $4,650.00
Hardin $567.00 $4,382.00 $567.00 $4,382.00
Harlem $606.00 $4,690.00 $606.00 $4,690.00
Harrison $567.00 $3,637.00 $567.00 $3,637.00
Hathaway $564.00 $4,382.00 $564.00 $4,382.00
Havre $582.00 $4,690.00 $582.00 $4,690.00
Hays $649.00 $4,690.00 $649.00 $4,690.00
Heart Butte $630.00 $3,847.00 $630.00 $3,847.00
Helena $498.00 $3,291.00 $498.00 $3,291.00
Helmville $598.00 $3,210.00 $598.00 $3,210.00
Heron $639.00 $3,819.00 $639.00 $3,819.00
Highwood $631.00 $4,545.00 $631.00 $4,545.00
Hilger $584.00 $4,521.00 $584.00 $4,521.00
Hingham $596.00 $4,690.00 $596.00 $4,690.00
Hinsdale $585.00 $4,646.00 $585.00 $4,646.00
Hobson $597.00 $4,513.00 $597.00 $4,513.00
Hogeland $605.00 $4,690.00 $605.00 $4,690.00
Homestead $602.00 $4,452.00 $602.00 $4,452.00
Hot Springs $588.00 $3,662.00 $588.00 $3,662.00
Huntley $527.00 $4,670.00 $527.00 $4,670.00
Huson $619.00 $3,381.00 $619.00 $3,381.00
Hysham $617.00 $4,382.00 $617.00 $4,382.00
Ingomar $625.00 $4,382.00 $625.00 $4,382.00
Inverness $627.00 $4,690.00 $627.00 $4,690.00
Ismay $606.00 $4,382.00 $606.00 $4,382.00
Jackson $589.00 $3,231.00 $589.00 $3,231.00
Joliet $626.00 $4,573.00 $626.00 $4,573.00
Joplin $627.00 $3,682.00 $627.00 $3,682.00
Jordan $616.00 $4,382.00 $616.00 $4,382.00
Judith Gap $591.00 $4,472.00 $591.00 $4,472.00
Kalispell $568.00 $4,013.00 $568.00 $4,013.00
Kevin $519.00 $3,682.00 $519.00 $3,682.00
Kila $608.00 $3,829.00 $608.00 $3,829.00
Kinsey $621.00 $4,382.00 $621.00 $4,382.00
Kremlin $599.00 $4,690.00 $599.00 $4,690.00
Lakeside $616.00 $4,013.00 $616.00 $4,013.00
Lambert $596.00 $4,452.00 $596.00 $4,452.00
Lame Deer $576.00 $4,871.00 $576.00 $4,871.00
Larslan $585.00 $4,646.00 $585.00 $4,646.00
Laurel $493.00 $4,619.00 $493.00 $4,619.00
Lavina $612.00 $4,382.00 $612.00 $4,382.00
Ledger $531.00 $3,682.00 $531.00 $3,682.00
Lewistown $581.00 $4,521.00 $581.00 $4,521.00
Libby $618.00 $3,847.00 $618.00 $3,847.00
Lima $572.00 $3,417.00 $572.00 $3,417.00
Lincoln $587.00 $3,457.00 $587.00 $3,457.00
Lindsay $611.00 $4,382.00 $611.00 $4,382.00
Livingston $578.00 $3,637.00 $578.00 $3,637.00
Lloyd $610.00 $4,690.00 $610.00 $4,690.00
Lodge Grass $641.00 $4,871.00 $641.00 $4,871.00
Lolo $555.00 $3,236.00 $555.00 $3,236.00
Loma $622.00 $4,545.00 $622.00 $4,545.00
Lonepine $588.00 $3,672.00 $588.00 $3,672.00
Loring $649.00 $4,690.00 $649.00 $4,690.00
Lothair $622.00 $3,682.00 $622.00 $3,682.00
Malta $664.00 $4,690.00 $664.00 $4,690.00
Manhattan $598.00 $3,417.00 $598.00 $3,417.00
Marion $616.00 $3,998.00 $616.00 $3,998.00
Martin City $568.00 $4,013.00 $568.00 $4,013.00
Martinsdale $589.00 $3,231.00 $589.00 $3,231.00
Mc Leod $578.00 $4,506.00 $578.00 $4,506.00
Medicine Lake $602.00 $4,452.00 $602.00 $4,452.00
Melville $514.00 $4,596.00 $514.00 $4,596.00
Miles City $561.00 $4,382.00 $561.00 $4,382.00
Missoula $495.00 $3,236.00 $495.00 $3,236.00
Moccasin $600.00 $4,521.00 $600.00 $4,521.00
Molt $661.00 $4,506.00 $661.00 $4,506.00
Monarch $609.00 $3,491.00 $609.00 $3,491.00
Moore $595.00 $4,521.00 $595.00 $4,521.00
Mosby $622.00 $4,382.00 $622.00 $4,382.00
Musselshell $614.00 $4,382.00 $614.00 $4,382.00
Nashua $602.00 $4,638.00 $602.00 $4,638.00
Neihart $609.00 $3,499.00 $609.00 $3,499.00
Norris $569.00 $3,637.00 $569.00 $3,637.00
Noxon $637.00 $3,833.00 $637.00 $3,833.00
Nye $630.00 $4,506.00 $630.00 $4,506.00
Oilmont $510.00 $3,682.00 $510.00 $3,682.00
Olive $631.00 $4,650.00 $631.00 $4,650.00
Opheim $585.00 $4,646.00 $585.00 $4,646.00
Otter $643.00 $4,650.00 $643.00 $4,650.00
Outlook $622.00 $4,452.00 $622.00 $4,452.00
Ovando $595.00 $3,210.00 $595.00 $3,210.00
Park City $507.00 $4,573.00 $507.00 $4,573.00
Peerless $602.00 $4,646.00 $602.00 $4,646.00
Pendroy $609.00 $3,497.00 $609.00 $3,497.00
Philipsburg $596.00 $3,333.00 $596.00 $3,333.00
Plains $616.00 $3,662.00 $616.00 $3,662.00
Plentywood $622.00 $4,452.00 $622.00 $4,452.00
Plevna $635.00 $4,382.00 $635.00 $4,382.00
Polaris $609.00 $3,417.00 $609.00 $3,417.00
Polebridge $649.00 $3,998.00 $649.00 $3,998.00
Polson $533.00 $3,848.00 $533.00 $3,848.00
Pompeys Pillar $505.00 $4,382.00 $505.00 $4,382.00
Pony $567.00 $3,637.00 $567.00 $3,637.00
Poplar $592.00 $4,452.00 $592.00 $4,452.00
Power $613.00 $3,477.00 $613.00 $3,477.00
Pray $601.00 $3,637.00 $601.00 $3,637.00
Proctor $618.00 $3,678.00 $618.00 $3,678.00
Ramsay $611.00 $3,341.00 $611.00 $3,341.00
Rapelje $577.00 $4,506.00 $577.00 $4,506.00
Ravalli $594.00 $3,381.00 $594.00 $3,381.00
Raymond $622.00 $4,452.00 $622.00 $4,452.00
Raynesford $613.00 $4,521.00 $613.00 $4,521.00
Red Lodge $636.00 $4,506.00 $636.00 $4,506.00
Redstone $617.00 $4,452.00 $617.00 $4,452.00
Reed Point $542.00 $4,750.00 $542.00 $4,750.00
Reserve $617.00 $4,452.00 $617.00 $4,452.00
Rexford $619.00 $3,847.00 $619.00 $3,847.00
Richey $611.00 $4,452.00 $611.00 $4,452.00
Richland $585.00 $4,646.00 $585.00 $4,646.00
Ringling $603.00 $3,231.00 $603.00 $3,231.00
Roberts $636.00 $4,771.00 $636.00 $4,771.00
Rollins $614.00 $3,994.00 $614.00 $3,994.00
Ronan $546.00 $3,697.00 $546.00 $3,697.00
Roscoe $641.00 $4,506.00 $641.00 $4,506.00
Rosebud $564.00 $4,382.00 $564.00 $4,382.00
Roundup $623.00 $4,382.00 $623.00 $4,382.00
Roy $582.00 $4,521.00 $582.00 $4,521.00
Rudyard $596.00 $4,690.00 $596.00 $4,690.00
Ryegate $614.00 $4,382.00 $614.00 $4,382.00
Saco $610.00 $4,690.00 $610.00 $4,690.00
Saint Regis $577.00 $3,813.00 $577.00 $3,813.00
Saint Xavier $641.00 $4,603.00 $641.00 $4,603.00
Saltese $577.00 $3,813.00 $577.00 $3,813.00
Sand Coulee $568.00 $3,328.00 $568.00 $3,328.00
Sand Springs $622.00 $4,382.00 $622.00 $4,382.00
Sanders $580.00 $4,382.00 $580.00 $4,382.00
Savage $611.00 $4,382.00 $611.00 $4,382.00
Scobey $591.00 $4,452.00 $591.00 $4,452.00
Seeley Lake $597.00 $3,210.00 $597.00 $3,210.00
Shawmut $589.00 $4,382.00 $589.00 $4,382.00
Shelby $508.00 $3,682.00 $508.00 $3,682.00
Shepherd $486.00 $4,670.00 $486.00 $4,670.00
Sheridan $604.00 $3,637.00 $604.00 $3,637.00
Sidney $598.00 $4,452.00 $598.00 $4,452.00
Silver Gate $598.00 $3,637.00 $598.00 $3,637.00
Silver Star $617.00 $3,637.00 $617.00 $3,637.00
Somers $617.00 $4,013.00 $617.00 $4,013.00
St. Ignatius $592.00 $3,838.00 $592.00 $3,838.00
Stanford $594.00 $4,521.00 $594.00 $4,521.00
Stevensville $579.00 $3,359.00 $579.00 $3,359.00
Stockett $627.00 $3,491.00 $627.00 $3,491.00
Sula $599.00 $3,231.00 $599.00 $3,231.00
Sun River $562.00 $3,484.00 $562.00 $3,484.00
Sunburst $531.00 $3,682.00 $531.00 $3,682.00
Superior $568.00 $3,813.00 $568.00 $3,813.00
Sweet Grass $533.00 $3,682.00 $533.00 $3,682.00
Terry $605.00 $4,382.00 $605.00 $4,382.00
Thompson Falls $617.00 $3,813.00 $617.00 $3,813.00
Three Forks $606.00 $3,417.00 $606.00 $3,417.00
Toston $599.00 $3,417.00 $599.00 $3,417.00
Townsend $586.00 $3,417.00 $586.00 $3,417.00
Trout Creek $637.00 $3,813.00 $637.00 $3,813.00
Troy $619.00 $3,998.00 $619.00 $3,998.00
Turner $605.00 $4,690.00 $605.00 $4,690.00
Twin Bridges $617.00 $3,417.00 $617.00 $3,417.00
Two Dot $584.00 $4,513.00 $584.00 $4,513.00
Valier $577.00 $3,682.00 $577.00 $3,682.00
Vaughn $576.00 $3,484.00 $576.00 $3,484.00
Victor $589.00 $3,341.00 $589.00 $3,341.00
Vida $611.00 $4,452.00 $611.00 $4,452.00
Virginia City $604.00 $3,417.00 $604.00 $3,417.00
Volborg $561.00 $4,382.00 $561.00 $4,382.00
West Yellowstone $562.00 $3,637.00 $562.00 $3,637.00
Westby $617.00 $4,452.00 $617.00 $4,452.00
White Sulphur Springs $614.00 $3,231.00 $614.00 $3,231.00
Whitefish $581.00 $4,013.00 $581.00 $4,013.00
Whitehall $582.00 $3,637.00 $582.00 $3,637.00
Whitetail $601.00 $4,452.00 $601.00 $4,452.00
Whitewater $647.00 $4,690.00 $647.00 $4,690.00
Whitlash $535.00 $3,682.00 $535.00 $3,682.00
Wibaux $630.00 $4,382.00 $630.00 $4,382.00
Willard $622.00 $4,382.00 $622.00 $4,382.00
Wilsall $569.00 $3,231.00 $569.00 $3,231.00
Winifred $586.00 $4,521.00 $586.00 $4,521.00
Winnett $574.00 $4,521.00 $574.00 $4,521.00
Winston $625.00 $3,231.00 $625.00 $3,231.00
Wisdom $589.00 $3,231.00 $589.00 $3,231.00
Wise River $596.00 $3,231.00 $596.00 $3,231.00
Wolf Creek $620.00 $3,457.00 $620.00 $3,457.00
Wolf Point $592.00 $4,452.00 $592.00 $4,452.00
Worden $476.00 $4,603.00 $476.00 $4,603.00
Wyola $641.00 $4,871.00 $641.00 $4,871.00
Zortman $653.00 $4,690.00 $653.00 $4,690.00
Zurich $608.00 $4,690.00 $608.00 $4,690.00

Finding Auto Insurance Resources in Montana

There are plenty of resources available for anyone who is living in or moving to Montana. Your best source of information is probably the Montana DMV. You can also find answers to many questions at the Montana Department of Justice.

If you are looking for basic information on your insurance rights, you can check with the Montana Commission of Securities and Insurance. The commission also provides information on insurance requirements, reducing rates, and filing complaints.

Getting Affordable Auto Insurance in Montana

You can usually lower your insurance rates if you qualify for discounts. For example, you often get a discount if the drive between your home and work is very short. Montana also has a competitive insurance law. This means that you can get different prices if you shop around. You can use the following tips to get a discount from some insurers.

  • Start looking for insurance 6 to 12 weeks in advance.
  • Install anti-theft devices in your vehicle.
  • Carpool and drive to work less than 3 times per week.
  • Mention the age and condition of the vehicle.
  • Ask for a senior discount, if applicable.

A clean driving record often qualifies you for a reduced rate as well. For example, if you haven't been in an accident within a three-year period, you may qualify. Teens can sometimes lower their rates by taking a Driver's Education or Safety program from the DMV.

The Western Association of Automobile Insurance Plans (WAAIP) is an option if you cannot find insurance elsewhere. The WAAIP is expensive but offers insurance to everyone who can pay.

Moving to Montana: Important Information

The State of Montana gives you a 60-day grace period to change your vehicle registration and driver's license. The Montana Insurance Verification System does not check out of state insurance, so you should let your insurance company know your new address.

The State of Montana requires that you take an eye test before giving you a driver's license. The examiner may also require that you take a driving test, even if you already have an out of state license. You will have to pay a fee for your new license. You can make an appointment online using the DMV Appointment Scheduler.

Understanding Driving Laws in Montana

Montana has numerous driving laws for you to learn. The easiest way to learn local rules is to read the Montana Vehicle Code. The book is 13 chapters long and covers information about vehicles, registration, and insurance.

1. It is illegal to drive while under the influence of drugs or alcohol according to the Montana Code Annotated section 61-8-401.

2. Any vehicle being driven in the state must be registered and have a license plate.

3. The Montana Seatbelt Act states that the fine for not using a seatbelt is $20 for an adult and $100 and up for a child, payable by the adult or guardian in the vehicle.

4. During the day, state highways and interstates in Montana fall under the "reasonable and prudent rule." Under this rule, speeding is at the discretion of the officer. This generally comes into play between 70 and 85 mph, but as a rule, if you are passing most of the other cars on the road, you are not driving safely, and you face a violation of $70 to over $500.

Frequently Asked Questions About Montana Auto Insurance

1. Is out of state insurance applicable in Montana?

Your insurance company might not cover you out of state so you may have to change it to a Montana insurance company. You should ask if you have coverage, and if so, notify your insurer of any change in address.

2. How do teens affect your auto insurance?

Most Montana insurance agencies charge premiums for any teen with a driver's license. This means that even if your teen does not drive, he or she may still affect your premiums. If your teen does drive, you can likely save if your child maintains a B average or higher in school according to the Montana Good Student Discount.

3. Is uninsured automobile coverage necessary?

While the rules surrounding uninsured and underinsured policies can be confusing, it is not mandatory to have it in Montana. Code 33-23-01 states that your insurance agency has to offer you this insurance. If you do not want it, you must sign a waiver with your insurance policy.

How to Get Great Rates on Montana Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

InsuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

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