Montana drivers pay around $2,402 a year for full coverage — about 11% under the national average. The state follows an at-fault model with a 25/50/20 liability minimum, and insurers may weigh credit history. Here's the coverage you must carry, what Montanans pay, and how to find a cheaper rate.
Montana uses an at-fault (tort) framework with a 25/50/20 liability minimum and no mandated PIP or uninsured-motorist coverage. Full coverage averages roughly $2,402 a year, about 11% under the national average, with long rural driving distances, wildlife collisions, and harsh winters as the notable claim drivers. Credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Montana. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $20k | Mandatory |
| Uninsured motorist | Optional | Offered; may be waived |
| Personal injury protection | Not required | Montana follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,402/yr | 11% below U.S. | Comprehensive and collision included |
| Minimum coverage | $408/yr | 51% below U.S. | Liability only at 25/50/20 |
Estimates apply national rate-increase multipliers to Montana's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$2,402/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$3,435/yr | +43% | 2,402 × 1.43 per Bankrate |
| Speeding ticket | ~$2,978/yr | +24% | 2,402 × 1.24 per Bankrate |
| DUI on record | ~$4,516/yr | +88% | 2,402 × 1.88 per Bankrate |
| Young driver (18–24) | ~$4,804/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$4,083/yr | +70% | 2,402 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Montana's below-average pricing reflects low density, but rural realities — wildlife strikes, long distances, winter conditions — make comprehensive and collision coverage valuable. The 25/50/20 minimum is low against repair and medical costs, so higher limits are inexpensive insurance. With credit and location still creating differences between carriers, comparison shopping keeps a Montana premium competitive.
Montana is an affordable state where rural driving risk makes a case for keeping full coverage. Weighing carriers and holding onto good credit is the best way to keep a Montana rate low.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Montana are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Montana insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.