Montana vs Oregon Car Insurance

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

Quick Verdict

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 8.4%).

Rate & Coverage Comparison

Attribute	Montana	Oregon
Avg Annual Premium	$1,680	$1,680
Min Liability	$550	$550
Full Coverage	$1,680	$1,680
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	7.5%	8.4%
Registered Vehicles	889,700	3,475,160
Accidents/Year	13,345	52,127
Population	1,085,000	4,238,000

Minimum Coverage Requirements

Montana

25/50 / 20 liability

Oregon

25/50 / 20 liability

Premium Comparison

Montana$550 – $1,680

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

Oregon$550 – $1,680

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

MontanaFull rates, age breakdown, requirements →OregonFull 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 Oregon?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $1,680 in Oregon - a difference of $0 per year.

How do Montana and Oregon compare on fault systems?

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

What are the minimum insurance requirements in Montana vs Oregon?

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

Which state has more uninsured drivers, Montana or Oregon?

Oregon has a higher uninsured driver rate at 8.4%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Montana vs Oregon 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

Oregon

Avg Annual Premium

$1,680

Min Liability

$550

Full Coverage

$1,680

Fault System

At-Fault (Tort)

Uninsured Rate

7.5%

8.4%

Registered Vehicles

889,700

3,475,160

Accidents/Year

13,345

52,127

Population

1,085,000

4,238,000