Montana vs Ohio Car Insurance

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

Quick Verdict

More Affordable

Ohio is $390/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 12.4%).

Rate & Coverage Comparison

Attribute	Montana	Ohio
Avg Annual Premium	$1,680	$1,290
Min Liability	$550	$420
Full Coverage	$1,680	$1,290
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.5%	12.4%
Registered Vehicles	889,700	9,675,180
Accidents/Year	13,345	145,127
Population	1,085,000	11,799,000

Minimum Coverage Requirements

Montana

25/50 / 20 liability

Ohio

25/50 / 25 liability

Premium Comparison

Montana$550 – $1,680

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

Ohio$420 – $1,290

Liability: $420Avg: $1,290Full: $1,290

MontanaFull rates, age breakdown, requirements →OhioFull 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, Montana or Ohio?

Ohio has cheaper car insurance, with an average annual premium of $1,290 compared to $1,680 in Montana - a difference of $390 per year.

How do Montana and Ohio compare on fault systems?

Montana uses a at-fault (tort) system while Ohio uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Montana vs Ohio?

Montana requires 25/50 / 20 liability. Ohio requires 25/50 / 25 liability. Minimum liability costs $550/yr in Montana and $420/yr in Ohio.

Which state has more uninsured drivers, Montana or Ohio?

Ohio has a higher uninsured driver rate at 12.4%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Montana vs Ohio 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

Montana

Ohio

Avg Annual Premium

$1,680

$1,290

Min Liability

$550

$420

Full Coverage

$1,680

$1,290

Fault System

At-Fault (Tort)

Uninsured Rate

7.5%

12.4%

Registered Vehicles

889,700

9,675,180

Accidents/Year

13,345

145,127

Population

1,085,000

11,799,000