Montana isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets Montana apart
No-fault opt-out; long rural drives, deer collisions spike comprehensive.
Minimum vs. full coverage in Montana
What each coverage level costs on the Montana average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $500 | $42 |
| Liability Only | $1,110 | $92 |
| Full | $2,020 | $168 |
| Full Low Deductible | $2,460 | $205 |
Minimum coverage saves about $1,520/yr vs full — but caps protection at 25/50/20. One at-fault crash above those limits and the gap is yours.
Montana car insurance FAQ
- What's the minimum car insurance required in Montana?
- Montana's state minimum is 25/50/20 — $25k bodily injury per person, $50k per accident, $20k property damage. Minimum-only runs about $500/yr but leaves you exposed above those caps.
- How much is full coverage in Montana?
- Representative full coverage averages $2,020/yr (about $168/mo), ranking Montana #28 of 51 states for cost.
- Why is Montana car insurance priced the way it is?
- No-fault opt-out; long rural drives, deer collisions spike comprehensive.