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

The Zebra
Nov. 12, 2018

Car insurance is expensive in Montana. The average car insurance rate in Montana is $1,615 per year — 13.1% more than the US average.

Your auto insurance premiums are impacted by more than just geography. Auto insurance premiums consider a number of factors, including your driving record, credit history, gender, age, and marital status.

We analyzed average Montana auto insurance premiums by all of the significant rating factors. See below how much car insurance runs in each location — or submit your zip code to receive personalized prices from leading insurance companies.


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Average Montana auto insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations

Average Auto Insurance Rates in Montana by Age

It's a common phenomenon: as you age, your auto insurance rates shift. Typically, auto insurance is pricier for young drivers, as insurers view inexperienced motorists as less responsible.

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


MONTANA AUTO INSURANCE RATES BY AGE
AgeAverage Yearly Rate
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

If you're facing the frightful prospect of getting insurance for a teen driver, consider that Montana is the 36th cheapest state in which to buy car insurance for a 16-year-old.




Average Car Insurance Costs in Montana by Gender

While gender doesn’t have as sizable an impact on auto insurance rates as a driver's location or experience level, it is used as a rating factor by car insurance companies.

Men and women pay the same amount for car insurance in Montana. It's the only state in which this is the case.


MONTANA AUTO INSURANCE PREMIUMS BY GENDER
GenderAverage Yearly Cost
Male$1,621.34
Female$1,621.34

If you're concerned about getting the best value with your current auto insurance company, the best option is to do some shopping.




Mean Car Insurance Premiums in Montana by Marriage Status

One benefit of wedlock — aside from the wedding gifts — is the improved deal you often get on insurance. In the state of Montana, married drivers save $0 per year on auto insurance policies. This is a smaller discount than the national savings of $76.


MONTANA CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,621.34
Married$1,621.34
Divorced$1,621.34
Widowed$1,621.34

Auto insurance coverage for divorced drivers in Montana is the 11th most expensive in the . If you're paying too much for your car insurance policy, weigh your options. You never know what savings you'll find!




Average Car Insurance Prices in Montana by Credit

Auto insurance companies utilize credit as a way of determining the reliability of a prospective client. Data trends demonstrate drivers with excellent credit scores are usually more insurable auto insurance customers: they are less likely to file claims for which insurance companies pay.

In Montana, a driver who holds exceptional credit saves $1,906.59 annually on car insurance rates, versus a driver who has a poor credit rating. Learn more about how credit history can impact auto insurance expenses:


MONTANA AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit QualityAverage 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

Finding cheap car insurance with bad credit can be stressful. But we're here to help out. Check out our guide to finding car insurance with poor credit and save!




Typical Car Insurance Costs for High-Risk Motorists in Montana

If you’re determined to be at fault for a crash or found guilty of a driving offense, your car insurance premiums are bound to rise. The more violations you accumulate, the more costly your car insurance becomes.

In Montana, your first minor at-fault accident costs $576.20 each year in car insurance premiums. A DUI or DWI — among the most serious driving offenses — will increase your annual car insurance costs in Montana by an average of $690.42.


MONTANA CAR INSURANCE RATES AFTER DRIVING OFFENSES
AgeAverage Annual 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 tired of dealing with expensive car insurance, it's worth shopping around to find reasonably priced insurance coverage that fits your budget.


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