Montana
- ~$35–$50
- ~$95–$115
- $25K/$50K/$10K
Montana offers generally affordable car insurance rates, influenced by its rural landscape and lower traffic density. The state uses a fault-based liability system, with mandatory minimum coverage. Seasonal weather hazards and wildlife collisions are notable risk factors.
Find a local Auto Insurance agents in your town:
Montana Auto Insurance Facts *
Drivers
- ~600,000–630,000 licensed drivers as of 2023.
- ~89% household vehicle ownership.
- Predominantly pickups and SUVs due to rural terrain.
- Uninsured motorist rate near 12%.
- Limited public transportation options.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~8,200 | ~2,300 | 105 |
| 2019 | ~8,400 | ~2,400 | 110 |
| 2020 | ~7,800 | ~2,100 | 100 |
| 2021 | ~8,100 | ~2,200 | 108 |
| 2022 | ~8,300 | ~2,250 | 112 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
