🚗 Car insurance cost in Montana (2026)
The estimated average is $2,150 per year — about the national average (0% vs. the U.S. average of $2,150).
Montana is home to about 1.1 million people, and car insurance here runs near the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Billings typically differ from smaller towns.
Estimate your car insurance in Montana
Montana car insurance estimator
Starts from the Montana average. Estimate only — get quotes to confirm.
Car insurance cost in Montana cities
| City | Population | Est. car insurance |
|---|---|---|
| Billings | 117,116 | $2,150 |
| Missoula | 76,998 | $2,064 |
| Great Falls | 60,422 | $2,064 |
| Bozeman | 56,123 | $2,064 |
Montana car insurance FAQ
How much is car insurance in Montana?
The estimated average car insurance in Montana is $2,150 per year, which is about the national average (0% vs. the U.S. average of $2,150). Montana ranks 24 of 51 states from most to least expensive.
Why is car insurance cheaper in Montana?
Car insurance pricing in Montana reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on car insurance in Montana?
Compare at least three quotes from insurers active in Montana, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.