Montana vs Pennsylvania Car Insurance

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

Quick Verdict

More Affordable

Montana is $80/yr cheaper on average.

Fewer Uninsured

Montana has a lower uninsured rate (7.5% vs 7.6%).

Rate & Coverage Comparison

Attribute	Montana	Pennsylvania
Avg Annual Premium	$1,680	$1,760
Min Liability	$550	$580
Full Coverage	$1,680	$1,760
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	7.5%	7.6%
Registered Vehicles	889,700	10,662,460
Accidents/Year	13,345	159,936
Population	1,085,000	13,003,000

Minimum Coverage Requirements

Montana

25/50 / 20 liability

Pennsylvania

15/30 / 5 liability

Premium Comparison

Montana$550 – $1,680

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

Pennsylvania$580 – $1,760

Liability: $580Avg: $1,760Full: $1,760

MontanaFull rates, age breakdown, requirements →PennsylvaniaFull 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 Pennsylvania?

Montana has cheaper car insurance, with an average annual premium of $1,680 compared to $1,760 in Pennsylvania - a difference of $80 per year.

How do Montana and Pennsylvania compare on fault systems?

Montana uses a at-fault (tort) system while Pennsylvania uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Montana vs Pennsylvania?

Montana requires 25/50 / 20 liability. Pennsylvania requires 15/30 / 5 liability. Minimum liability costs $550/yr in Montana and $580/yr in Pennsylvania.

Which state has more uninsured drivers, Montana or Pennsylvania?

Pennsylvania has a higher uninsured driver rate at 7.6%, compared to 7.5% in Montana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Montana vs Pennsylvania 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

Pennsylvania

Avg Annual Premium

$1,680

$1,760

Min Liability

$550

$580

Full Coverage

$1,680

$1,760

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

7.5%

7.6%

Registered Vehicles

889,700

10,662,460

Accidents/Year

13,345

159,936

Population

1,085,000

13,003,000