Louisiana vs Montana Car Insurance

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

Quick Verdict

More Affordable

Montana is $920/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 11.7%).

Rate & Coverage Comparison

Attribute	Louisiana	Montana
Avg Annual Premium	$2,600	$1,680
Min Liability	$850	$550
Full Coverage	$2,600	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.7%	7.5%
Registered Vehicles	3,818,740	889,700
Accidents/Year	57,281	13,345
Population	4,657,000	1,085,000

Minimum Coverage Requirements

Louisiana

15/30 / 25 liability

Montana

25/50 / 20 liability

Premium Comparison

Louisiana$850 – $2,600

Liability: $850Avg: $2,600Full: $2,600

Montana$550 – $1,680

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

LouisianaFull 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, Louisiana or Montana?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $2,600 in Louisiana - a difference of $920 per year.

How do Louisiana and Montana compare on fault systems?

Louisiana 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 Louisiana vs Montana?

Louisiana requires 15/30 / 25 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $850/yr in Louisiana and $550/yr in Montana.

Which state has more uninsured drivers, Louisiana or Montana?

Louisiana has a higher uninsured driver rate at 11.7%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Louisiana 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

Louisiana

Montana

Avg Annual Premium

$2,600

$1,680

Min Liability

$850

$550

Full Coverage

$2,600

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

11.7%

7.5%

Registered Vehicles

3,818,740

889,700

Accidents/Year

57,281

13,345

Population

4,657,000

1,085,000