Missoula Car Insurance

How much does car insurance cost in Missoula, MT? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Missoula?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Montana has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Missoula typically pay around $115.84 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Montana $122.68
Missoula, Montana $115.84

Missoula, MT Best Car Insurance Companies

car insurance in Missoula

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Missoula coming in around $75.34 per month. Other companies to consider if you live in Missoula is State Farm with an average cost of $80.27 per month and Allied which typically runs around $124.96 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Missoula.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $75.34-38.59%
2 State Farm $80.27-34.56%
3 Allied $124.961.86%
4 Unigard $170.7139.16%
5 Allstate $181.7148.12%
6 Unitrin $187.6953.00%
7 Farmers $192.4356.86%
8 Metropolitan $260.04111.97%
9 Liberty Mutual $299.82144.40%

How Much is Car Insurance in Missoula, MT?

how much is auto insurance in Missoula

Rates can vary from city to city. The residents of Ashland typically pay $112.10 per month while people who live in Bearcreek will pay $185.35 per month on average. See what people pay for car insurance in other cities in Montana.

Montana CitiesMonthly Average Rate
Billings $139.09
Bozeman $132.01
Great Falls $125.52
Missoula $115.84

Cheap Car Insurance in Missoula by Zip Codes

find cheap auto insurance in Missoula

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Montana. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Missoula, MT ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Missoula

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $236.96 per month in Missoula. Compare that to drivers in their 30’s who typically pay around $113.96 per month drivers in their 40s at $79.41 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Missoula

If you are teen in Missoula you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $118.80 per month. This is likely the most affordable option in Missoula. You might also want to consider State Farm and Allied who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$130.12

Cheapest Insurance for 20 Year-olds in Missoula

20 year-olds in Missoula might want to consider USAA who, on average, offers car insurance rates around $98.31 per month. State Farm , Allied , Unigard and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$104.92

Cheapest Insurance for 30 Year-olds in Missoula

If you are in your 30s in Missoula our research has found that State Farm typically has the most affordable coverage coming in around $71.40 per month, followed by USAA at $79.46 and Unigard at $118.90.

CompanyAverage Monthly Rate
State Farm$71.40

Cheapest Insurance for 40 Year-olds in Missoula

On average, USAA offers car insurance for 40 year-olds in Missoula for around $59.12 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Allied. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$70.65
Liberty Mutual$147.19

Cheapest Insurance for 50 Year-olds in Missoula

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Missoula we found that USAA generally offers the most affordable coverage at $59.94 per month.

CompanyAverage Monthly Rate
State Farm$69.03

Cheapest Insurance for 60 Year-olds in Missoula

If you live in Missoula and you’re in your 60s, our data indicates that USAA usually has the best rates at $58.30 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$67.00

Driver's Coverage Auto Insurance Rates in Missoula, MT

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Missoula, the average monthly rate for a driver who is currently insured is $125.08 while drivers who are not currently covered will pay around $102.72.

CoverageAverage Monthly Rate
Not Currently Insured $102.72
Currently Insured $125.08

Compare Recent Car Insurance Quotes in Missoula

auto insurance quotes in Missoula city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Missoula a driver of a 2013 Chrysler 300C can expect to pay around $134.32 per month while someone that owns a 1999 Chevrolet Astro may pay around $111.83 per month. Check out the list of recent quotes in Missoula below.

VehicleAverage Monthly Rate
2013 Chrysler 300C$134.32
1999 Chevrolet Astro$111.83
2019 Subaru Outback$335.92
2006 Ford Fusion$104.25
2013 Ford Escape$107.18
2012 Chrysler 200$91.80
2000 Ford Taurus$53.10
2003 Toyota Sequoia$94.09
2006 Toyota Corolla$110.28
2004 Mazda 6$75.58

FAQ's for Drivers in Missoula, MT

driver’s frequently asked question in Missoula

What Is the Minimum Liability Coverage Requirement in Missoula, MT?

Every state requires drivers to have a minimum amount of liability coverage. Montana drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

All Montana motorists are required to carry liability insurance, no matter how much they drive or how old their car is. Minimum insurance requirements in the state are $25,000 in bodily damage liability to cover injury or death to one person and $50,000 to cover injury or death to two or more persons. Drivers must also carry $20,000 in property damage liability per accident.

What Is the Blood Alcohol Concentration (BAC) limit in Missoula, MT?

It’s against the law to drive in Montana at the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ at under 21 years old

Drivers with blood levels of 5 ng/ml of Delta-9-Tetrahydrocannabinol or more are presumed to be too impaired to drive safely. A person can be convicted of DUI with a THC level below 5 ng/ml if there is sufficient evidence of impairment. This applies to all commercial and noncommercial drivers, including those registered as cardholders with Montana’s Marijuana Program.

What are the consequences of being convicted of a DUI?

Penalties for driving under the influence are severe in Montana, and they increase with each subsequent offense. Drivers convicted of DUI may face jail time, fines, suspension of driving privileges, points on their license, an increase in insurance premiums, mandatory installation of an ignition interlock device, and forced participation in a sobriety program.

You can be convicted of a DUI in Montana even if your BAC is within legal limits, and a DUI goes on your record for life.


Commute Time in Missoula, MT

15.8 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Missoula, MT


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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