Average car insurance cost in Montana (2026)
Drivers in Montana pay an average of $141 a month for full coverage and $62 a month for liability only.
Full coverage / month
$141
Liability only / month
$62
Full coverage / year
$1,692
Liability only / year
$744
Cost rank
#34 of 51
1 = most expensive. Liability-only rank: #42.
Averages are a starting point. Estimate your cost in Montana
How Montana compares
The full-coverage average of $141 is 19% below the average across states ($174), and the liability-only average of $62 is 36% below the average across states ($98). Montana is mid-table: 33 of the 51 places in our table have a higher full-coverage average. That is $160 a month below Maryland, the highest, and $56 above New Hampshire, the lowest.
Full coverage vs liability only in Montana
Full coverage costs $79 more per month than liability only in Montana, or $948 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Montana by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Alabama | $142 | $66 | +$1 |
| Vermont | $139 | $58 | -$2 |
| Maine | $139 | $74 | -$2 |
| Massachusetts | $138 | $102 | -$3 |
| Utah | $146 | $92 | +$5 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Montana averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $141 | $62 |
| Same driver, age 20-24 | $204 | $90 |
| Same driver, one ticket | $172 | $76 |
| Same driver, one at-fault accident | $200 | $88 |
| Same driver, sports car | $183 | $81 |
Frequently asked questions
How much does car insurance cost in Montana?
The average in Montana is $141 a month ($1,692 a year) for full coverage and $62 a month ($744 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Montana expensive compared with other states?
Montana ranks 34th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 19% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Montana?
On average, full coverage costs $79 more per month in Montana, or $948 more per year. That is 127% more than the liability-only average.
How much could an at-fault accident change an estimate in Montana?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Montana rises from $141 to about $200 a month, or about $59 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.