Kansas vs Montana Car Insurance

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

Quick Verdict

More Affordable

Montana is $10/yr cheaper on average.

Fewer Uninsured

Kansas has a lower uninsured rate (7.2% vs 7.5%).

Rate & Coverage Comparison

Attribute	Kansas	Montana
Avg Annual Premium	$1,690	$1,680
Min Liability	$550	$550
Full Coverage	$1,690	$1,680
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.2%	7.5%
Registered Vehicles	2,408,340	889,700
Accidents/Year	36,125	13,345
Population	2,937,000	1,085,000

Minimum Coverage Requirements

Kansas

25/50 / 25 liability

Montana

25/50 / 20 liability

Premium Comparison

Kansas$550 – $1,690

Liability: $550Avg: $1,690Full: $1,690

Montana$550 – $1,680

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

KansasFull 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, Kansas or Montana?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $1,690 in Kansas - a difference of $10 per year.

How do Kansas and Montana compare on fault systems?

Kansas uses a no-fault system while Montana uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Kansas vs Montana?

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

Which state has more uninsured drivers, Kansas or Montana?

Montana has a higher uninsured driver rate at 7.5%, compared to 7.2% in Kansas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Kansas 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

Kansas

Montana

Avg Annual Premium

$1,690

$1,680

Min Liability

$550

Full Coverage

$1,690

$1,680

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.2%

7.5%

Registered Vehicles

2,408,340

889,700

Accidents/Year

36,125

13,345

Population

2,937,000

1,085,000