Minnesota vs Montana Car Insurance

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

Quick Verdict

More Affordable

Minnesota is $120/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 7.9%).

Rate & Coverage Comparison

Attribute	Minnesota	Montana
Avg Annual Premium	$1,560	$1,680
Min Liability	$510	$550
Full Coverage	$1,560	$1,680
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	7.9%	7.5%
Registered Vehicles	4,679,740	889,700
Accidents/Year	70,196	13,345
Population	5,707,000	1,085,000

Minimum Coverage Requirements

Minnesota

30/60 / 10 liability

Montana

25/50 / 20 liability

Premium Comparison

Minnesota$510 – $1,560

Liability: $510Avg: $1,560Full: $1,560

Montana$550 – $1,680

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

MinnesotaFull 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, Minnesota or Montana?

Minnesota has cheaper car insurance, with an average annual premium of $1,560 compared to $1,680 in Montana - a difference of $120 per year.

How do Minnesota and Montana compare on fault systems?

Minnesota 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 Minnesota vs Montana?

Minnesota requires 30/60 / 10 liability. Montana requires 25/50 / 20 liability. Minimum liability costs $510/yr in Minnesota and $550/yr in Montana.

Which state has more uninsured drivers, Minnesota or Montana?

Minnesota has a higher uninsured driver rate at 7.9%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Minnesota 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

Minnesota

Montana

Avg Annual Premium

$1,560

$1,680

Min Liability

$510

$550

Full Coverage

$1,560

$1,680

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

7.9%

7.5%

Registered Vehicles

4,679,740

889,700

Accidents/Year

70,196

13,345

Population

5,707,000

1,085,000