Compare Missoula, MT Car Insurance Rates [2024]
Car insurance in Missoula, MT averages $247 a month. Missoula, Montana car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Missoula car insurance rates, compare quotes from the top car insurance companies in Missoula, MT.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Missoula for teen drivers is Liberty Mutual
- Average car insurance rates in Missoula, MT after a DUI are $3,620/year
- Average car insurance rates in Missoula, MT are $2,959/year
If you need to buy Missoula, Montana car insurance, the options can be confusing. Everything you need to know about car insurance in Missoula, MT is right here.
You’ll find Missoula car insurance rates, the cheapest Missoula, MT car insurance companies, and information on Montana car insurance laws. You can also compare Missoula, Montana car insurance rates to Helena car insurance rates, Belgrade car insurance rates, and Missoula car insurance rates.
Ready to find affordable Missoula, MT car insurance today? Enter your ZIP code for fast, free Missoula car insurance quotes.
Cheapest Missoula, MT Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Missoula, MT car insurance rates? Every Missoula, Montana car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,842 | $2,842 | $2,608 | $2,608 | $10,960 | $10,960 | $3,061 | $3,061 |
| Farmers | $2,594 | $2,594 | $2,323 | $2,323 | $7,361 | $7,361 | $2,849 | $2,849 |
| Geico | $2,356 | $2,202 | $2,300 | $2,098 | $5,723 | $5,326 | $2,019 | $1,840 |
| Liberty Mutual | $922 | $922 | $906 | $906 | $2,044 | $2,044 | $1,128 | $1,128 |
| Nationwide | $2,167 | $2,167 | $1,993 | $1,993 | $4,332 | $4,332 | $2,289 | $2,289 |
| Progressive | $2,701 | $2,701 | $2,476 | $2,476 | $6,872 | $6,872 | $3,038 | $3,038 |
| State Farm | $1,568 | $1,568 | $1,394 | $1,394 | $4,787 | $4,787 | $1,706 | $1,706 |
| USAA | $1,182 | $1,182 | $1,068 | $1,068 | $4,142 | $4,142 | $1,445 | $1,445 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Minimum Car Insurance in Missoula, MT
Every driver must carry the minimum car insurance required by the state in Missoula, MT. Take a look at the Montana car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
Cheapest Missoula, MT Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Missoula, MT. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Missoula from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,885 | $4,710 | $4,009 |
| Farmers | $4,446 | $3,551 | $3,348 |
| Geico | $4,699 | $2,505 | $1,745 |
| Liberty Mutual | $1,250 | $1,250 | $1,250 |
| Nationwide | $3,385 | $2,477 | $2,225 |
| Progressive | $4,514 | $3,512 | $3,289 |
| State Farm | $3,398 | $2,069 | $1,624 |
| USAA | $2,607 | $1,799 | $1,471 |
Cheapest Missoula, MT Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Missoula, MT to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,089 | $4,845 | $5,866 | $4,671 |
| Farmers | $3,314 | $4,303 | $4,196 | $3,314 |
| Geico | $1,921 | $3,035 | $4,681 | $2,295 |
| Liberty Mutual | $838 | $1,496 | $1,496 | $1,171 |
| Nationwide | $1,999 | $2,815 | $3,578 | $2,390 |
| Progressive | $3,228 | $4,236 | $4,023 | $3,600 |
| State Farm | $2,180 | $2,548 | $2,364 | $2,364 |
| USAA | $1,461 | $1,841 | $2,755 | $1,779 |
Cheapest Missoula, MT Car Insurance for Teen Drivers
Teen car insurance in Missoula, MT can be expensive. Take a look at rates from the top car insurance companies in Missoula for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,960 | $10,960 |
| Farmers | $7,361 | $7,361 |
| Geico | $5,723 | $5,326 |
| Liberty Mutual | $2,044 | $2,044 |
| Nationwide | $4,332 | $4,332 |
| Progressive | $6,872 | $6,872 |
| State Farm | $4,787 | $4,787 |
| USAA | $4,142 | $4,142 |
Cheapest Missoula, MT Car Insurance for Seniors
Take a look at Missoula, MT rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,608 | $2,608 |
| Farmers | $2,323 | $2,323 |
| Geico | $2,300 | $2,098 |
| Liberty Mutual | $906 | $906 |
| Nationwide | $1,993 | $1,993 |
| Progressive | $2,476 | $2,476 |
| State Farm | $1,394 | $1,394 |
| USAA | $1,068 | $1,068 |
Cheapest Missoula, MT Car Insurance Rates After a DUI
A DUI in Missoula, MT increases car insurance rates. Compare Missoula, Montana car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,866 |
| Farmers | $4,196 |
| Geico | $4,681 |
| Liberty Mutual | $1,496 |
| Nationwide | $3,578 |
| Progressive | $4,023 |
| State Farm | $2,364 |
| USAA | $2,755 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Cheapest Missoula, MT Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Missoula, MT by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,752 | $4,984 |
| Farmers | $3,782 | $3,782 |
| Geico | $2,930 | $3,036 |
| Liberty Mutual | $1,250 | $1,250 |
| Nationwide | $2,695 | $2,695 |
| Progressive | $3,772 | $3,772 |
| State Farm | $2,294 | $2,433 |
| USAA | $1,936 | $1,982 |
Cheapest Missoula, MT Car Insurance Rates by ZIP Code
Missoula car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Missoula, MT.
| ZIP Code | Average Annual Rates |
|---|---|
| 59801 | $3,041 |
| 59802 | $3,028 |
| 59803 | $3,017 |
| 59804 | $3,053 |
| 59808 | $3,026 |
| 59812 | $3,038 |
The Best Cheap Car Insurance Companies in Missoula, MT
Take a look at a side-by-side comparison of the top car insurance companies in Missoula, MT to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,868 |
| Farmers | $3,782 |
| Geico | $2,983 |
| Liberty Mutual | $1,250 |
| Nationwide | $2,695 |
| Progressive | $3,772 |
| State Farm | $2,364 |
| USAA | $1,959 |
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Category Winners: Cheapest Car Insurance in Missoula, Montana
Find the cheapest car insurance companies in Missoula, MT for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | Liberty Mutual |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | Liberty Mutual |
Cheapest Missoula, MT Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Missoula car insurance rates. Find the cheapest Missoula, MT car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,609 | $4,855 | $5,140 |
| Farmers | $3,476 | $3,777 | $4,093 |
| Geico | $2,817 | $2,952 | $3,180 |
| Liberty Mutual | $1,145 | $1,254 | $1,351 |
| Nationwide | $2,043 | $2,853 | $3,191 |
| Progressive | $3,493 | $3,758 | $4,064 |
| State Farm | $2,209 | $2,355 | $2,528 |
| USAA | $1,857 | $1,948 | $2,072 |
What affects car insurance rates in Missoula, Montana?
What are the factors that affect car insurance rates in Missoula, MT? There are several reasons why Missoula car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Missoula, Montana.
Car Theft in Missoula
High levels of vehicle theft can make car insurance more expensive. Missoula, MT car theft statistics from the FBI indicate 198 vehicle thefts a year.
Commute Time in Missoula
The more time you spend in your car the higher the risk of an accident. The average commute length in Missoula, MT is 16.7 minutes according to City-Data.
Traffic in Missoula
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Missoula, MT traffic data from INRIX ranks Missoula as the 731st-most congested in the world.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Compare Car Insurance Quotes in Missoula, MT
Ready to find affordable Missoula, Montana car insurance today? Enter your ZIP code for fast, free Missoula, MT car insurance quotes.
Frequently Asked Questions
What is the average monthly car insurance rate in Missoula, MT?
The average monthly car insurance rate in Missoula, MT is $247.
What are the car insurance requirements in Missoula, Montana?
The car insurance requirements in Missoula, MT are 25/50/20, which means you need to have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
Do I need full coverage insurance if my car is financed?
If your car is financed, you may need to have full coverage insurance. This typically includes comprehensive and collision coverage in addition to the state-required liability coverage. Check with your lender to determine the specific insurance requirements for your financed car.
How do age, gender, and marital status affect car insurance rates in Missoula, MT?
Every car insurance company weighs age, gender, and marital status differently, so rates may vary. Generally, married individuals and older drivers tend to have lower insurance rates compared to younger or single drivers. However, each company has its own rating factors, so it’s best to compare quotes to find the most affordable option for your specific situation.
What is the minimum car insurance coverage required in Missoula, MT?
The minimum car insurance coverage required in Missoula, Montana includes $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $20,000 in property damage liability coverage.
How does my credit score affect car insurance rates in Missoula, MT?
Your credit score can affect car insurance costs in Missoula, MT. Generally, having good credit may qualify you for a good credit discount on your insurance premiums. Compare rates from different companies to see how your credit score can impact your car insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.