Popular Questions about Car Insurance in Montana

On average, Montana drivers pay $2,476 a year for car insurance. This is much higher than the national average cost of $1,311 a year. Shopping around for the lowest rate has the potential to save you hundreds of dollars a year.

Independent insurance agents can help by obtaining customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen to anyone – even the best drivers. If you are involved in a crash, here are a few of the ways that your Montana auto insurance can help:Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.

  • Fix Someone Else's Car – Required/Min. $20,000. We officially call this "property damage liability."
  • Pay Your Medical Bills –optional. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."

In addition to the coverage mentioned above, you can also include other optional coverage in your car insurance policy such as:

  • Uninsured motorist insurance
  • Gap insurance
  • Rental car reimbursement insurance
  • Towing and roadside assistance insurance
  • Umbrella insurance

Montana is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of repairing damage and treating injuries.

Driving without insurance is illegal in Montana. If caught, you will be charged with a misdemeanor and can face the following penalties:

  • First-time offenders can face fines of between $250 and $500 or up to 10 days in jail.
  • A second offense can get you a $350 fine or 10 days in jail, the suspension of your driver’s license for 90 days, and 5 points on your driving record, which can increase car insurance costs.
  • Third and subsequent offenses can get you a fine of $500 or up to 6 months in jail, or both.

Despite this, approximately one out of ten drivers you are sharing the roads with in this state is driving an uninsured vehicle.

These uninsured drivers have no backup to cover their financial obligations if they cause an accident, and they are unlikely to be able to pay for any medical attention you may need if they cause a collision with your vehicle. This means you may need to go through lengthy court hearings and lawsuits just to get a fraction of what is owed to you.

Fortunately, if you include uninsured motorist coverage in your auto insurance policy, you can have the coverage you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver. 

When it comes to car insurance, there is no such thing as an insurance company that is the best for everyone. The company that offers you the best rate for coverage might not be the right choice for your neighbor, and vice versa.

That is why independent agents compare policies and rates from a variety of top-rated insurance companies. That way, they can find the policy that offers the coverage you need at the most competitive price.

Yes! There are currently 93 independent insurance agents in Montana who are ready to help.

Because they are not tied to a single insurance provider, independent agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Butte-Silver Bow15.06.26$1,918
Great Falls12.83.38$1,586
Miles City12.41.41$1,381
  1. $159
  2. Billings, MT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Billings is $159.
  4. Insurance companies factor in such things as your age, gender, driving record, and vehicle information when they calculate a personalized quote for you. Remember, the average rate shown above only serves as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount. 
  5. Can you imagine walking out of Rimrock Mall only to find that your car has been stolen? As a resident of Billings, where approximately 800 auto thefts are reported every year, this is a valid concern. That is one of the many reasons some vehicle owners in the area choose to include comprehensive coverage in their auto insurance policies. This optional coverage can cover the costs associated with having your car stolen as well as pay for damage caused by non-collision events such as hailstorms, falling object, floods, and garage fires.
  6. Find an insurance agent in Billings to find out how much it will cost you to add comprehensive coverage to your car insurance policy.

  1. $131
  2. Missoula, MT Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Missoula is $131.
  4. When calculating your premiums, insurance companies will take several things into consideration, including your vehicle’s make, model and year, and details about you and the other drivers in your household, such as your age, occupation, and driving record. This means your monthly cost could be significantly higher or lower than this average rate.
  5. There are several parts of Missoula that pose a significant risk to area drivers. One of the most dangerous roads is Interstate 90, and one of the worst intersections is Revere Street at Mullan Road. Of course, collisions can occur anywhere, even on quiet residential streets. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a negative impact on your finances.
  6. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you were at fault for the accident. Talk to a local independent insurance agent to learn more.

  1. $132
  2. Great Falls, MT Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Great Falls is $132.
  4. Because your Great Falls car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Factors such as your driving record, your vehicle’s year, make and model, the amount of coverage you want, and the size of your deductible are just some of the many factors that can influence how insurance companies calculate your price.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Time spent driving to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may qualify for lower prices for your coverage. If you don’t drive your car a lot, a low-mileage discount may apply to you.
  6. Consult an independent insurance agent in Great Falls to learn more about potential discounts and to find out what you can do to keep your costs for car insurance affordable.

  1. $118
  2. Bozeman, MT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Bozeman is $118.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your age, driving record, and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Bozeman car insurance quotes so you can find the policy that offers the best value for your hard-earned money.
  5. Bozeman residents occasionally experience hailstorms. In June 2010 stones the size of baseballs fell on vehicles and other property in this city. Hailstones this large can cause serious damage to cars, causing unsightly dents and cracked windshields. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost of having your car repaired at a body shop.
  6. Talk to an independent agent in Bozeman to learn more about how each car insurance coverage option can benefit you.

  1. $160
  2. Butte-Silver Bow, MT Car insurance average monthly cost
  3. The average monthly cost of car insurance in Butte-Silver Bow is $160.
  4. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Butte-Silver Bow auto insurance rate is completely personalized according to a number of details such as your driving history, vehicle information, deductible amount, and more.
  5. Whether you find yourself in a multi-vehicle collision on Interstate 90 or you get in a fender bender on Harrison Avenue, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your fault.
  6. Learn more about collision insurance and the various other options available to you by speaking with one of Butte-Silver Bow’s experienced independent agents.