Compare Missoula, MT Car Insurance Rates (2021)

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.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Missoula, Montana

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

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Minimum Car Insurance in Missoula, MT

Every driver must carry the minimum car insurance in Missoula, MT. Take a look at the Montana car insurance requirements.

Minimum Required Car Insurance Coverage in Missoula, Montana

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. Compare credit history car insurance rates in Missoula from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Missoula, Montana

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. Compare bad driving record car insurance rates in Missoula, MT to rates for a clean record with top companies.

Annual Missoula, Montana Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Missoula, Montana

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Missoula, Montana

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Missoula, Montana

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

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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.

Annual Car Insurance Rates by Commute Length in Missoula, Montana

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.

Annual Car Insurance Rates by ZIP Code in Missoula, Montana

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.

Average Annual Car Insurance Rates by Company in Missoula, Montana

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

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Category Winners: Cheapest Car Insurance in Missoula, Montana

Find the cheapest car insurance companies in Missoula, MT for each category right here.

Best Annual Car Insurance Rates by Company in Missoula, Montana

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 coverage you choose will have an impact on your Missoula car insurance rates. Find the cheapest Missoula, MT car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Missoula, Montana

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 factors can have an impact on Missoula, MT car insurance? 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.

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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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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