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Auto insurance rates, minimum coverage requirements, and driver statistics for Montana (MT).
Avg Annual Premium
$1,680
$46 below national avg
Cost Rank
#28
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
7.5%
of drivers
Min Liability
$550/yr
Legal minimum
Average Premium
$1,680/yr
State average
Full Coverage
$1,680/yr
Comprehensive + Collision
Montana requires:
25/50 / 20 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,536 | $5,124 | $3,948 |
| 20-25 | $3,024 | $3,360 | $2,688 |
| 26-35 | $1,848 | $1,932 | $1,764 |
| 36-45 | $1,680 | $1,714 | $1,646 |
| 46-55 | $1,596 | $1,630 | $1,562 |
| 56-65 | $1,546 | $1,579 | $1,512 |
| 65+ | $1,764 | $1,814 | $1,714 |
Rates shown are annual averages for each age group in Montana. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Montana | National Avg |
|---|---|---|
| Average Annual Premium | $1,680 | $1,726 |
| Uninsured Rate | 7.5% | 11.1% |
| Registered Vehicles | 889,700 | 5,330,804 |
| Accidents per Year | 13,345 | 79,962 |
Population
1,085,000
Registered Vehicles
889,700
Accidents per Year
13,345
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.