Michigan vs Montana Car Insurance

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

Quick Verdict

More Affordable

Montana is $1,020/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 19.4%).

Rate & Coverage Comparison

Attribute	Michigan	Montana
Avg Annual Premium	$2,700	$1,680
Min Liability	$890	$550
Full Coverage	$2,700	$1,680
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	19.4%	7.5%
Registered Vehicles	8,263,139	889,700
Accidents/Year	123,947	13,345
Population	10,077,000	1,085,000

Minimum Coverage Requirements

Michigan

50/100 / 10 liability

Montana

25/50 / 20 liability

Premium Comparison

Michigan$890 – $2,700

Liability: $890Avg: $2,700Full: $2,700

Montana$550 – $1,680

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

MichiganFull 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, Michigan or Montana?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $2,700 in Michigan - a difference of $1,020 per year.

How do Michigan and Montana compare on fault systems?

Michigan 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 Michigan vs Montana?

Michigan requires 50/100 / 10 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $890/yr in Michigan and $550/yr in Montana.

Which state has more uninsured drivers, Michigan or Montana?

Michigan has a higher uninsured driver rate at 19.4%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Michigan 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

Michigan

Montana

Avg Annual Premium

$2,700

$1,680

Min Liability

$890

$550

Full Coverage

$2,700

$1,680

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

19.4%

7.5%

Registered Vehicles

8,263,139

889,700

Accidents/Year

123,947

13,345

Population

10,077,000

1,085,000