What's the Average Cost of Car Insurance in Montana?

The Zebra
Oct. 11, 2018

Auto insurance is expensive in Montana. The average car insurance price in Montana is $1,615 annually — 13.1% more than the US average.

Your car insurance costs are dictated by factors aside from location. Auto insurance premiums take into account a number of considerations, including one's age, gender, marital status, credit, and driving history.

We analyzed average Montana car insurance premiums by each of the primary rating factors. See below how much car insurance costs in your state — or enter your zip code to receive unique rates from top car insurers.


Average Auto Insurance Rates in Montana by Age Group

It’s a fact of life: as you get older, your car insurance premiums change. Generally speaking, car insurance is pricier for young drivers, as insurers see inexperienced drivers as more risky.

In Montana, auto insurance costs $7,249 each year for a 16-year-old driver, and only $1,449 yearly for a driver in their 50s.


MONTANA CAR INSURANCE COSTS BY AGE
Age Average Yearly Premium
16 $7,248.75
17 $6,140.59
18 $5,655.03
19 $3,289.99
20s $2,037.70
30s $1,600.69
40s $1,557.85
50s $1,448.83
60s $1,449.27
70s $1,691.98



Average Car Insurance Outlays in Montana by Gender

While gender doesn’t make as significant an impact on auto insurance rates as state or age, it is used as a rating factor. for car insurance in Montana, but the gap is just $0.00 annually.

MONTANA CAR INSURANCE PRICES BY GENDER
Gender Average Yearly Premium
Male $1,621.34
Female $1,621.34



Average Car Insurance Rates in Montana by Marital Status

One benefit of getting hitched — aside from the honeymoon — is the price cut you typically receive on car insurance. In Montana, married motorists save $0 annually on car insurance policies. This is a smaller discount than the US post-wedding price break of $76.


MONTANA AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,621.34
Married $1,621.34
Divorced $1,621.34
Widowed $1,621.34



Average Auto Insurance Rates in Montana by Credit History

Auto insurers reference credit as a way of determining a potential customer's insurability. Historical data show drivers with exceptional credit are usually more dependable auto insurance clients: they less commonly file claims for which insurance companies pay.

In the state of Montana, a motorist with excellent credit can save $1,906.59 per year on car insurance, contrasted with a driver with a poor credit history. Read more about how credit can impact auto insurance rates:


MONTANA AUTO INSURANCE PRICES BY CREDIT TIER
Credit Level Average Annual Premium
Very Poor (300-579) $3,273.11
Fair (580-669) $2,530.68
Good (670-739) $2,062.21
Very Good (740-799) $1,701.49
Exceptional (800-850) $1,366.52



Average Auto Insurance Prices for Bad Drivers in Montana

If you’re defined as at fault for an accident or found guilty of an on-road infraction, your car insurance costs are going to climb. The more violations you accumulate, the pricier your car insurance gets.

In Montana, your first minor at-fault crash results in a penalty of $576.20 annually in car insurance premiums. A DWI — considered one of the most grave driving violations — could boost your insurance rates in Montana by an average of $690.42.


MONTANA CAR INSURANCE PREMIUMS WITH VIOLATIONS
Age Average Yearly Rate
DWI/DUI $2,305.17
Reckless Driving $2,122.59
At-Fault Accident (<$1,000) $2,190.95
At-Fault Accident ($1,000-$2,000) $2,183.45
At-Fault Accident (>$2,000) $2,190.95
Open Container $2,016.56
Speeding (21-25 MPH > limit) $2,026.55
Speeding (16-20 MPH > limit) $1,952.77

If you're facing above-average car insurance payments, consider shopping to find affordable coverage that suits you.


Find affordable car insurance today!

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