Montana auto insurance averages - $975.01 per year in 2023, ranked #38 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Montana sits below the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $975.01 ▲10.2% | $472 |
| 2022 | $884.92 ▲4.7% | $435 |
| 2021 | $845.57 ▲1.3% | $427 |
| 2020 | $834.31 ▼0.3% | $431 |
| 2019 | $836.46 | $439 |
Evidence lead: 2023 cost position
Montana's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
At $975.01, Montana ranks #38 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Coverage-component signature
Montana's most distinctive 2023 component is comprehensive: $365.45, or 46.8% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
Montana's only decline is a shallow -0.3% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +10.2%, and the latest step is +10.2%. This is a rising series with one flat spot, not a genuine reversal.
Five-year movement
Montana's +16.6% endpoint change ranks #31 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Moderate registry context
In the linked NAIC-derived registry, Montana has 6,480 complaints distributed across 47 companies. The two coverage ranks are #26 and #26 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Montana's closest peers in this dataset are Kansas ($972.64) and Nebraska ($980.31), both within a few dollars of Montana's own $975.01.
Note on state comparisons: These averages reflect the mix of coverages purchased in Montana, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
