Maine vs Montana Car Insurance

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

Quick Verdict

More Affordable

Maine is $780/yr cheaper on average.

Fewer Uninsured

Maine has a lower uninsured rate (4.5% vs 7.5%).

Rate & Coverage Comparison

Attribute	Maine	Montana
Avg Annual Premium	$900	$1,680
Min Liability	$300	$550
Full Coverage	$900	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	4.5%	7.5%
Registered Vehicles	1,116,840	889,700
Accidents/Year	16,752	13,345
Population	1,362,000	1,085,000

Minimum Coverage Requirements

Maine

50/100 / 25 liability

Montana

25/50 / 20 liability

Premium Comparison

Maine$300 – $900

Liability: $300Avg: $900Full: $900

Montana$550 – $1,680

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

MaineFull 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, Maine or Montana?

Maine has cheaper car insurance, with an average annual premium of $900 compared to $1,680 in Montana - a difference of $780 per year.

How do Maine and Montana compare on fault systems?

Maine 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 Maine vs Montana?

Maine requires 50/100 / 25 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $300/yr in Maine and $550/yr in Montana.

Which state has more uninsured drivers, Maine or Montana?

Montana has a higher uninsured driver rate at 7.5%, compared to 4.5% in Maine. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maine 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

Maine

Montana

Avg Annual Premium

$900

$1,680

Min Liability

$300

$550

Full Coverage

$900

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

4.5%

7.5%

Registered Vehicles

1,116,840

889,700

Accidents/Year

16,752

13,345

Population

1,362,000

1,085,000