Alabama vs Montana Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Montana is $210/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 18.0%).

Rate & Coverage Comparison

Attribute	Alabama	Montana
Avg Annual Premium	$1,890	$1,680
Min Liability	$620	$550
Full Coverage	$1,890	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	18.0%	7.5%
Registered Vehicles	4,119,679	889,700
Accidents/Year	61,795	13,345
Population	5,024,000	1,085,000

Minimum Coverage Requirements

Alabama

25/50 / 25 liability

Montana

25/50 / 20 liability

Premium Comparison

Alabama$620 – $1,890

Liability: $620Avg: $1,890Full: $1,890

Montana$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

AlabamaFull rates, age breakdown, requirements →MontanaFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Alabama or Montana?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $1,890 in Alabama - a difference of $210 per year.

How do Alabama and Montana compare on fault systems?

Alabama uses a at-fault (tort) system while Montana uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Alabama vs Montana?

Alabama requires 25/50 / 25 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $620/yr in Alabama and $550/yr in Montana.

Which state has more uninsured drivers, Alabama or Montana?

Alabama has a higher uninsured driver rate at 18.0%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Alabama vs Montana insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Alabama

Montana

Avg Annual Premium

$1,890

$1,680

Min Liability

$620

$550

Full Coverage

$1,890

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

18.0%

7.5%

Registered Vehicles

4,119,679

889,700

Accidents/Year

61,795

13,345

Population

5,024,000

1,085,000