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Montana Auto Insurance [Rates + Cheap Coverage Guide]

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Montana Statistics Summary  
Road Miles 74,983
Vehicle Miles Driven Annually 12,157 million
Driving Deaths (2017) Speeding – 59
Drunk Driving – 56
Vehicles (2017) Registered: 1,401,936
Total Stolen: 2,043
Most Popular Vehicle Ford F150
Average Premiums (Annual) Liability – $386.29
Collision – $265.32
Comprehensive – $211.91
Combined Premiums – $863.52
Percent of Motorists Uninsured 9.9%
State Rank: 33rd
Cheapest Provider USAA

The beauty of Montana is unparalleled and each different geographical feature offers its own charm.

From the Missouri River Breaks, with its big game animals and rugged landscape, to the continental divide and the many mountain passes, to the enchanted grandeur of Glacier National Park all the way down to the edge of Yellowstone National Park.

Whether you’re soaking in the hot springs, skiing the cold smoke, hiking the national forest, or hunting big game, you’re going to need to drive to get where you’re going.

Public transportation, while available to some degree in the more populated cities, hasn’t eclipsed the need for most people to drive. And if you drive, you need insurance!

Finding the best car insurance company and coverage level for your situation can seem overwhelming. We’ll break down all the most important things to know when making your decision and you’ll be happy to know it won’t be as arduous as you expect!

We’ll even give you access to our quote comparison tool! It’s free; just enter your zip code to get started.

We’ll show you the laws in Montana, what’s available for optional insurance coverage, and give you a look at how some of the top car insurers compare to each other. And to wrap it up, we’ll show you what laws you need to pay attention to and give you a few Montana traffic stats.

Table of Contents

Montana Car Insurance Coverage and Rates

Why do you need car insurance? Well, first of all, it’s required by law! And second, it’s to protect you financially. New Hampshire is the only state where it’s not required and yet over 90 percent of the population there choose to carry it. Which, by the way, is a higher percentage than in Montana.

Instead of complaining about the requirement, start imagining how insurance can help you. If you cause an accident and it does $20,000 worth of damage to another’s property, insurance will have you covered! You will not have to come up with that settlement out of pocket. Insurance is a good thing.

– Minimum Coverage Requirement

The minimum car insurance you must carry is 25/50/20.

  • $25,000 – Bodily injury liability per person
  • $50,000 – Bodily injury liability per accident
  • $20,000 – Property Damage liability

These figures give you a starting point. Considering that a new pickup truck can cost of $60,000, you’d be in a tough spot if you caused a total loss to a new truck and you only had $20,000 property damage liability.

Increasing your levels of liability coverage doesn’t usually cost that much and if you have assets to protect, the increased cost is very worth it.

You must be offered uninsured/underinsured motorist coverage with a minimum 25/50 limit but you can reject it. Nearly 10 percent of Montana drivers do not have auto insurance. If they cause an accident where you’re hurt and your vehicle is damaged, you may be out of luck getting compensated.

If you have uninsured motorist personal injury and property damage coverage, you’ll be compensated by your own insurer.

Most people choose insurance to cover the requirements of the law, but here are all the options acceptable for proof of financial responsibility while driving:

  • a certificate of insurance
  • a bond
  • a certificate or deposit of money or securities
  • a certificate of self-insurance

Besides a standard car insurance policy, self-insurance is the only other type of insurance commonly encountered.

– Premiums as a Percentage of Income

The average Montanan makes $3,003 a month after taxes. Car insurance costs an average of $72 per month for full coverage, making the percentage of income going to car insurance 2.41 percent.

Obviously, what you pay for insurance in relation to how much you earn is going to vary.

Some parts of the state have a fairly low cost of living, and a person could live well on $3,000 a month. However, if you live in Missoula or Bozeman, you already know you’ll need a lot more income to make ends meet.

– Core Coverage as Compared to National Average

According to the National Association of Insurance Commissioners (NAIC), Montana comes in about $150 lower than the countrywide average for full coverage annually.

Coverage Type: Annual Costs in 2015: National Average in 2015:
Liability $386.29 $538.73
Collision $265.32 $322.61
Comprehensive $211.91 $148.04
Combined $863.52 $1009.38

Comprehensive and collision coverages are often combined with liability coverage and referred to as “full coverage.” These first party benefits will pay for your own damages when you cause an accident or when you hit a deer or other wildlife, which let’s face it, is common in Montana.

The likelihood of hitting a deer in Montana is one in 57. Think about yourself and your 56 closest friends. One of you will hit a deer this year with your vehicle (statistically speaking).

Chances of hitting a big game animal are greatest in October, November, and December (coinciding with the rut and more nighttime hours per day) and Montana drivers who typically opt out of comprehensive coverage may wish to add it to their policy during those months as the risk for collision with an animal is greater.

If you have a leased or financed vehicle, you’re almost certainly going to be required to carry full coverage. The lender needs to ensure their investment is protected, so they will make sure you carry full coverage.

If you own your vehicle outright, you won’t be required to carry full coverage but experts recommend it if the annual cost for coverage is 10 percent or less of your vehicle’s value.

Remember, if you do file a claim, you’ll have to pay a deductible and your rates will likely increase. Ask your insurer how much and for how long your rates will increase to decide if a claim is worth filing.

– Additional Liability

We mentioned uninsured motorist coverage earlier. Another optional coverage to protect yourself is Medical Payments (MedPay). If you’re in an accident, it will cover injury costs for you and those in your vehicle regardless of whose fault the accident was.

Loss Ratio 2012 2013 2014
Medical Payments (Med Pay) 73% 63% 69%
Uninsured/Underinsured Motorist 65% 60% 58%

If you’re wondering what those loss ratios listed above are, you’re not alone! I’ll explain it. The loss ratio is how much is paid in claims to how much is earned in premiums. With a loss ratio of 58 percent means that out of every $100 earned in premiums, $58 is paid in claims.

The loss ratios above are fairly solid and do not indicate any impending bankruptcies in the industry as a whole.

Just under 10 percent of motorists are uninsured in Montana. To be exact, 9.9 percent of drivers are uninsured, which ranks Montana at number 33 out of all the states, which is a bit better than average.

– Add-ons, Endorsements, and Riders

There are many options for more well-rounded protection.

Pay-as-you-drive is a new and popular type of coverage. Metromile is leading the way, but they are currently unavailable in Montana. Usage-based coverage is a “cousin” to pay-as-you-drive.

Typically, usage-based policies base your rates on how safely you drive according to a telemetric device you install in your vehicle.

Next, we’ll reveal some really interesting information! We’re going to look at actual rates from actual companies for different demographics. We partnered with Quadrant Data to bring you some relevant and accurate data.

– Rates by Demographic

Keep in mind that when we list averages, those are the averages for all driving histories, credit histories, and demographics. Your rates could vary greatly from these we show you. It’s important that you compare rates for yourself! These rates just give you a guide for reference.

– Male Vs. Female

Spoiler alert: there is no difference. The state of Montana forbids the consideration of sex in rate formulation.

Everyone has heard that teenage boys pay far higher rates than teenage girls. While that’s true in most of the country, in Montana, they pay the same rates!

Montana instituted this law in 1985, and similar legislation took a long time to catch on but other states have adopted a similar unisex approach to car insurance, and in 2019 California began forbidding gender to be calculated into rates.

– Rates by Age

Company Married 35-year-old Married 60-year-old Single 17-year-old Single 25-year-old
Allstate $2,740.02 $2,507.60 $10,484.90 $2,955.90
Mid-Century $2,755.44 $2,462.45 $7,395.41 $3,016.88
Geico $2,840.18 $2,771.26 $6,926.07 $2,434.84
Safeco $1,021.71 $999.67 $2,064.28 $1,218.77
Depositors $2,785.97 $2,533.60 $5,640.58 $2,952.88
Progressive $3,231.09 $2,901.06 $7,548.71 $3,642.19
State Farm $1,640.33 $1,439.41 $4,814.65 $1,776.55
USAA $1,280.16 $1,139.97 $4,103.59 $1,603.83

While Mid-Century may be a competitive choice for most age groups, it’s not going to be the best-priced option for a 17 year old. Remember that as you age and as things change in your life, different insurance companies may be better for you. It’s always appropriate to shop around and compare quotes.

– Rates by Zip Code

Zip Code Average Allstate MidCentury Geico Safeco Depositors Progressive State Farm USAA
59001 $3,374.37 $4,873.58 $4,107.10 $3,977.81 $1,307.54 $3,606.86 $4,654.62 $2,409.60 $2,057.85
59002 $3,324.24 $4,387.59 $4,107.10 $3,977.81 $1,312.86 $3,627.21 $4,691.91 $2,431.61 $2,057.85
59003 $3,335.42 $4,648.48 $4,037.31 $3,977.81 $1,363.71 $3,677.86 $4,508.24 $2,412.12 $2,057.85
59006 $3,329.98 $4,578.75 $4,107.10 $3,977.81 $1,224.83 $3,627.21 $4,650.73 $2,415.54 $2,057.85
59007 $3,399.96 $4,873.58 $4,107.10 $3,977.81 $1,370.30 $3,677.86 $4,780.44 $2,354.73 $2,057.85
59008 $3,398.10 $4,873.58 $4,107.10 $3,977.81 $1,370.30 $3,677.86 $4,765.56 $2,354.73 $2,057.85
59010 $3,290.70 $4,387.59 $4,037.31 $3,977.81 $1,309.86 $3,677.86 $4,522.58 $2,354.73 $2,057.85
59011 $3,372.28 $4,884.10 $4,107.10 $3,977.81 $1,223.45 $3,606.86 $4,759.65 $2,361.40 $2,057.85
59012 $3,354.42 $4,648.48 $4,037.31 $3,977.81 $1,363.71 $3,677.86 $4,717.62 $2,354.73 $2,057.85
59013 $3,348.69 $4,873.58 $4,107.10 $3,977.81 $1,359.93 $3,677.86 $4,380.71 $2,354.73 $2,057.85
59014 $3,371.67 $4,873.58 $4,107.10 $3,977.81 $1,322.88 $3,677.86 $4,507.80 $2,448.52 $2,057.85
59015 $3,305.39 $4,462.60 $4,107.10 $3,977.81 $1,282.30 $3,627.21 $4,512.73 $2,415.54 $2,057.85
59016 $3,327.72 $4,387.59 $4,165.55 $3,977.81 $1,283.71 $3,677.86 $4,712.35 $2,359.08 $2,057.85
59018 $3,128.77 $4,919.78 $3,723.20 $3,038.10 $1,255.04 $3,091.61 $4,397.01 $2,517.84 $2,087.57
59019 $3,357.26 $4,757.41 $4,107.10 $3,977.81 $1,416.09 $3,606.86 $4,537.18 $2,397.80 $2,057.85
59020 $3,104.72 $4,757.41 $4,033.11 $3,038.10 $1,301.76 $3,091.61 $4,144.85 $2,383.39 $2,087.57
59022 $3,338.39 $4,387.59 $4,412.62 $3,977.81 $1,294.16 $3,677.86 $4,578.02 $2,321.20 $2,057.85
59024 $3,264.17 $4,578.75 $3,647.10 $3,977.81 $1,320.23 $3,627.21 $4,488.90 $2,415.54 $2,057.85
59025 $3,348.11 $4,578.75 $4,165.55 $3,977.81 $1,254.40 $3,677.86 $4,717.93 $2,354.73 $2,057.85
59026 $3,348.69 $4,873.58 $4,107.10 $3,977.81 $1,359.93 $3,677.86 $4,380.71 $2,354.73 $2,057.85
59027 $3,092.38 $4,948.60 $3,980.57 $3,038.10 $1,324.53 $3,091.61 $3,884.72 $2,383.39 $2,087.57
59028 $3,349.80 $4,873.58 $3,861.16 $3,977.81 $1,307.54 $3,606.86 $4,654.36 $2,459.28 $2,057.85
59029 $3,351.51 $4,873.58 $4,107.10 $3,977.81 $1,359.93 $3,677.86 $4,332.72 $2,425.28 $2,057.85
59030 $3,147.92 $4,948.60 $3,980.57 $3,038.10 $1,301.76 $3,091.61 $4,230.68 $2,504.51 $2,087.57
59031 $3,309.23 $4,387.59 $4,165.55 $3,977.81 $1,275.17 $3,677.86 $4,577.29 $2,354.73 $2,057.85
59032 $3,204.36 $4,462.60 $3,533.31 $3,977.81 $1,246.33 $3,649.16 $4,353.13 $2,354.73 $2,057.85
59033 $3,376.50 $4,884.10 $4,107.10 $3,977.81 $1,300.92 $3,606.86 $4,722.68 $2,354.73 $2,057.85
59034 $3,330.35 $4,387.59 $4,412.62 $3,977.81 $1,255.37 $3,677.86 $4,610.76 $2,262.99 $2,057.85
59035 $3,436.52 $4,578.75 $4,625.59 $3,977.81 $1,365.50 $3,677.86 $4,854.09 $2,354.73 $2,057.85
59036 $3,335.54 $4,948.60 $3,752.50 $3,977.81 $1,282.79 $3,606.86 $4,679.70 $2,378.19 $2,057.85
59037 $3,251.00 $4,578.75 $4,107.10 $3,428.48 $1,272.70 $3,627.21 $4,538.26 $2,397.64 $2,057.85
59038 $3,260.74 $4,457.30 $4,087.57 $3,977.81 $1,309.86 $3,677.86 $4,158.17 $2,359.51 $2,057.85
59039 $3,265.79 $4,457.30 $4,065.38 $3,977.81 $1,337.63 $3,677.86 $4,197.80 $2,354.73 $2,057.85
59041 $3,291.92 $4,873.58 $4,107.10 $3,977.81 $1,359.93 $3,293.06 $4,289.13 $2,376.88 $2,057.85
59043 $3,304.24 $4,578.75 $4,037.31 $3,977.81 $1,273.39 $3,677.86 $4,408.97 $2,421.98 $2,057.85
59044 $3,127.14 $4,578.75 $4,107.10 $3,428.48 $1,200.11 $3,293.06 $3,917.83 $2,352.62 $2,139.15
59046 $3,281.67 $4,323.08 $4,107.10 $3,977.81 $1,299.19 $3,606.86 $4,526.80 $2,354.73 $2,057.85
59047 $3,089.78 $4,884.10 $3,723.20 $3,038.10 $1,330.09 $3,091.61 $4,053.39 $2,510.16 $2,087.57
59050 $3,433.47 $4,578.75 $4,625.59 $3,977.81 $1,365.50 $3,677.86 $4,819.82 $2,364.60 $2,057.85
59052 $3,342.41 $4,884.10 $3,808.61 $3,977.81 $1,320.09 $3,606.86 $4,729.22 $2,354.73 $2,057.85
59053 $3,096.84 $4,919.78 $3,502.59 $3,038.10 $1,292.26 $3,020.18 $4,682.09 $2,383.39 $1,936.37
59054 $3,246.91 $4,387.59 $4,065.38 $3,977.81 $1,304.40 $3,681.58 $4,145.98 $2,354.73 $2,057.85
59055 $3,347.37 $4,884.10 $4,107.10 $3,977.81 $1,160.97 $3,606.86 $4,629.54 $2,354.73 $2,057.85
59057 $3,359.10 $4,757.41 $4,107.10 $3,977.81 $1,466.82 $3,606.86 $4,481.08 $2,417.85 $2,057.85
59058 $3,296.35 $4,457.30 $4,092.08 $3,977.81 $1,327.29 $3,681.58 $4,422.21 $2,354.73 $2,057.85
59059 $3,211.85 $4,387.59 $3,624.90 $3,977.81 $1,304.40 $3,681.58 $4,305.92 $2,354.73 $2,057.85
59061 $3,342.03 $4,948.60 $3,861.16 $3,977.81 $1,378.71 $3,606.86 $4,550.52 $2,354.73 $2,057.85
59062 $3,341.41 $4,648.48 $4,037.31 $3,977.81 $1,363.71 $3,677.86 $4,613.56 $2,354.73 $2,057.85
59063 $3,351.41 $4,948.60 $4,107.10 $3,977.81 $1,224.39 $3,606.86 $4,525.72 $2,362.93 $2,057.85
59064 $3,330.28 $4,578.75 $4,107.10 $3,977.81 $1,190.01 $3,627.21 $4,687.96 $2,415.54 $2,057.85
59065 $3,161.32 $4,884.10 $3,980.57 $3,038.10 $1,313.97 $3,091.61 $4,511.26 $2,383.39 $2,087.57
59066 $3,377.49 $4,578.75 $4,107.10 $3,977.81 $1,365.50 $3,677.86 $4,854.09 $2,400.97 $2,057.85
59067 $3,351.27 $4,884.10 $4,107.10 $3,977.81 $1,254.44 $3,606.86 $4,533.36 $2,388.68 $2,057.85
59068 $3,414.03 $4,873.58 $4,107.10 $3,977.81 $1,370.30 $3,677.86 $4,688.65 $2,559.13 $2,057.85
59069 $3,329.76 $4,692.92 $4,107.10 $3,977.81 $1,229.78 $3,606.86 $4,611.02 $2,354.73 $2,057.85
59070 $3,398.91 $4,873.58 $4,107.10 $3,977.81 $1,370.30 $3,677.86 $4,677.66 $2,449.16 $2,057.85
59071 $3,362.59 $4,682.42 $4,107.10 $3,977.81 $1,383.04 $3,677.86 $4,659.95 $2,354.73 $2,057.85
59072 $3,241.63 $4,387.59 $3,837.90 $3,977.81 $1,332.39 $3,681.58 $4,298.95 $2,359.00 $2,057.85
59074 $3,365.74 $4,884.10 $3,837.90 $3,977.81 $1,304.40 $3,606.86 $4,835.94 $2,421.07 $2,057.85
59075 $3,433.31 $4,578.75 $4,625.59 $3,977.81 $1,365.50 $3,677.86 $4,778.12 $2,405.02 $2,057.85
59076 $3,248.89 $4,457.30 $4,087.57 $3,977.81 $1,259.83 $3,677.86 $4,118.21 $2,354.73 $2,057.85
59077 $3,359.05 $4,457.30 $4,343.67 $3,977.81 $1,327.29 $3,681.58 $4,672.19 $2,354.73 $2,057.85
59078 $3,350.96 $4,884.10 $3,837.90 $3,977.81 $1,298.44 $3,606.86 $4,789.99 $2,354.73 $2,057.85
59079 $3,262.08 $4,387.59 $4,107.10 $3,977.81 $1,148.92 $3,627.21 $4,411.37 $2,378.82 $2,057.85
59081 $3,122.05 $4,948.60 $3,980.57 $3,038.10 $1,301.76 $3,091.61 $4,144.85 $2,383.39 $2,087.57
59082 $3,133.14 $4,919.78 $3,808.61 $3,038.10 $1,330.09 $3,091.61 $4,406.00 $2,383.39 $2,087.57
59083 $3,252.49 $4,457.30 $4,065.38 $3,977.81 $1,337.63 $3,677.86 $4,091.34 $2,354.73 $2,057.85
59084 $3,271.07 $4,948.60 $3,533.31 $3,977.81 $1,262.00 $3,681.58 $4,352.71 $2,354.73 $2,057.85
59085 $3,342.87 $4,948.60 $3,752.50 $3,977.81 $1,282.79 $3,606.86 $4,761.87 $2,354.73 $2,057.85
59086 $3,112.29 $4,855.28 $3,723.20 $3,038.10 $1,255.04 $3,091.61 $4,343.91 $2,503.63 $2,087.57
59087 $3,310.52 $4,387.59 $4,343.67 $3,977.81 $1,262.00 $3,681.58 $4,358.92 $2,414.77 $2,057.85
59088 $3,287.69 $4,578.75 $4,107.10 $3,977.81 $1,114.06 $3,627.21 $4,473.76 $2,364.96 $2,057.85
59089 $3,457.80 $4,578.75 $4,625.59 $3,977.81 $1,365.50 $3,677.86 $5,024.35 $2,354.73 $2,057.85
59101 $3,224.44 $4,578.75 $4,107.10 $3,428.48 $1,299.85 $3,293.06 $4,507.69 $2,441.46 $2,139.15
59102 $3,218.22 $4,578.75 $4,048.68 $3,428.48 $1,278.66 $3,404.92 $4,388.90 $2,478.23 $2,139.15
59105 $3,201.49 $4,578.75 $4,107.10 $3,428.48 $1,276.88 $3,404.92 $4,293.54 $2,383.15 $2,139.15
59106 $3,217.29 $4,578.75 $4,107.10 $3,428.48 $1,250.80 $3,404.92 $4,360.16 $2,469.01 $2,139.15
59201 $3,230.57 $4,214.64 $3,977.97 $3,977.81 $1,265.36 $3,681.58 $4,291.10 $2,378.31 $2,057.85
59211 $3,237.68 $4,214.64 $3,918.61 $3,977.81 $1,314.30 $3,681.58 $4,381.98 $2,354.73 $2,057.85
59212 $3,213.21 $4,214.64 $3,977.97 $3,977.81 $1,293.46 $3,681.58 $4,147.63 $2,354.73 $2,057.85
59213 $3,239.69 $4,214.64 $3,918.61 $3,977.81 $1,295.21 $3,681.58 $4,417.10 $2,354.73 $2,057.85
59214 $3,241.41 $4,214.64 $4,062.11 $3,977.81 $1,282.10 $3,681.58 $4,300.45 $2,354.73 $2,057.85
59215 $3,271.34 $4,214.64 $4,062.68 $3,977.81 $1,294.25 $3,681.58 $4,457.63 $2,424.30 $2,057.85
59217 $3,258.06 $4,214.64 $3,920.54 $3,977.81 $1,301.82 $3,681.58 $4,555.50 $2,354.73 $2,057.85
59218 $3,233.90 $4,214.64 $3,977.97 $3,977.81 $1,295.21 $3,681.58 $4,287.40 $2,378.78 $2,057.85
59219 $3,204.38 $4,214.64 $3,918.61 $3,977.81 $1,314.30 $3,681.58 $4,115.57 $2,354.73 $2,057.85
59221 $3,254.48 $4,214.64 $3,920.54 $3,977.81 $1,320.64 $3,681.58 $4,544.91 $2,317.91 $2,057.85
59222 $3,219.91 $4,214.64 $3,918.61 $4,038.88 $1,293.46 $3,681.58 $4,199.56 $2,354.73 $2,057.85
59223 $3,262.14 $4,214.64 $3,987.04 $4,038.88 $1,295.21 $3,681.58 $4,467.24 $2,354.73 $2,057.85
59225 $3,233.71 $4,214.64 $3,918.61 $4,038.88 $1,295.21 $3,681.58 $4,285.16 $2,377.76 $2,057.85
59226 $3,208.77 $4,214.64 $3,977.97 $3,977.81 $1,316.03 $3,681.58 $4,147.20 $2,297.05 $2,057.85
59230 $3,257.57 $4,214.64 $3,987.04 $4,038.88 $1,295.21 $3,681.58 $4,494.97 $2,290.45 $2,057.85
59231 $3,258.89 $4,214.64 $3,987.04 $4,038.88 $1,295.21 $3,681.58 $4,441.18 $2,354.73 $2,057.85
59240 $3,247.55 $4,214.64 $3,918.61 $4,038.88 $1,272.96 $3,681.58 $4,441.18 $2,354.73 $2,057.85
59241 $3,270.91 $4,214.64 $3,987.04 $4,038.88 $1,272.96 $3,681.58 $4,559.63 $2,354.73 $2,057.85
59242 $3,212.08 $4,214.64 $3,918.61 $3,977.81 $1,295.21 $3,681.58 $4,196.24 $2,354.73 $2,057.85
59243 $3,262.80 $4,214.64 $3,920.54 $3,977.81 $1,280.92 $3,681.58 $4,614.33 $2,354.73 $2,057.85
59244 $3,267.58 $4,214.64 $3,918.61 $4,038.88 $1,272.96 $3,681.58 $4,601.43 $2,354.73 $2,057.85
59247 $3,185.91 $4,214.64 $3,918.61 $3,977.81 $1,295.21 $3,681.58 $4,095.60 $2,246.04 $2,057.85
59248 $3,251.97 $4,214.64 $3,987.04 $4,038.88 $1,295.21 $3,681.58 $4,445.56 $2,295.03 $2,057.85
59250 $3,268.86 $4,214.64 $3,918.61 $4,038.88 $1,272.96 $3,681.58 $4,611.62 $2,354.73 $2,057.85
59252 $3,231.83 $4,214.64 $3,918.61 $3,977.81 $1,322.99 $3,681.58 $4,326.48 $2,354.73 $2,057.85
59253 $3,268.30 $4,214.64 $3,918.61 $4,038.88 $1,295.21 $3,681.58 $4,584.95 $2,354.73 $2,057.85
59254 $3,201.06 $4,214.64 $3,918.61 $3,977.81 $1,322.99 $3,681.58 $4,170.95 $2,264.04 $2,057.85
59255 $3,224.91 $4,214.64 $3,977.97 $3,977.81 $1,265.36 $3,681.58 $4,262.71 $2,361.40 $2,057.85
59256 $3,226.98 $4,214.64 $3,918.61 $3,977.81 $1,322.99 $3,681.58 $4,287.66 $2,354.73 $2,057.85
59257 $3,233.59 $4,214.64 $3,918.61 $3,977.81 $1,314.30 $3,681.58 $4,349.26 $2,354.73 $2,057.85
59258 $3,235.69 $4,214.64 $3,918.61 $3,977.81 $1,314.30 $3,681.58 $4,366.04 $2,354.73 $2,057.85
59259 $3,282.47 $4,214.64 $4,140.01 $3,977.81 $1,301.82 $3,681.58 $4,531.37 $2,354.73 $2,057.85
59260 $3,247.44 $4,214.64 $3,918.61 $4,038.88 $1,272.96 $3,681.58 $4,440.28 $2,354.73 $2,057.85
59261 $3,255.03 $4,214.64 $3,832.55 $4,038.88 $1,332.90 $3,681.58 $4,527.10 $2,354.73 $2,057.85
59262 $3,249.90 $4,214.64 $4,062.68 $3,977.81 $1,301.82 $3,681.58 $4,362.67 $2,340.21 $2,057.85
59263 $3,213.04 $4,214.64 $3,918.61 $4,038.88 $1,263.63 $3,681.58 $4,143.19 $2,385.97 $2,057.85
59270 $3,210.99 $4,214.64 $3,920.54 $3,977.81 $1,285.58 $3,681.58 $4,244.26 $2,305.70 $2,057.85
59273 $3,269.32 $4,214.64 $3,987.04 $4,038.88 $1,378.70 $3,681.58 $4,441.18 $2,354.73 $2,057.85
59274 $3,229.80 $4,214.64 $3,977.97 $3,977.81 $1,301.82 $3,681.58 $4,272.00 $2,354.73 $2,057.85
59275 $3,218.65 $4,214.64 $3,918.61 $3,977.81 $1,314.30 $3,681.58 $4,337.49 $2,246.97 $2,057.85
59276 $3,228.04 $4,214.64 $3,918.61 $4,038.88 $1,293.46 $3,681.58 $4,264.62 $2,354.73 $2,057.85
59301 $3,239.85 $4,457.30 $4,101.78 $3,977.81 $1,232.84 $3,677.86 $4,029.44 $2,383.95 $2,057.85
59311 $3,272.57 $4,214.64 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,537.23 $2,354.73 $2,057.85
59312 $3,247.75 $4,387.59 $4,101.78 $3,977.81 $1,244.92 $3,677.86 $4,179.52 $2,354.73 $2,057.85
59313 $3,219.31 $4,214.64 $4,101.78 $3,977.81 $1,274.97 $3,677.86 $4,102.43 $2,347.17 $2,057.85
59314 $3,319.09 $4,648.48 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,475.58 $2,354.73 $2,057.85
59315 $3,226.51 $4,214.64 $4,062.68 $3,977.81 $1,301.82 $3,681.58 $4,206.40 $2,309.30 $2,057.85
59316 $3,245.95 $4,214.64 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,324.30 $2,354.73 $2,057.85
59317 $3,364.13 $4,648.48 $4,037.31 $3,977.81 $1,335.20 $3,677.86 $4,594.36 $2,584.18 $2,057.85
59318 $3,336.70 $4,457.30 $4,178.34 $3,977.81 $1,262.00 $3,681.58 $4,723.99 $2,354.73 $2,057.85
59319 $3,273.36 $4,214.64 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,543.55 $2,354.73 $2,057.85
59322 $3,303.97 $4,387.59 $4,353.38 $3,977.81 $1,309.86 $3,681.58 $4,309.00 $2,354.73 $2,057.85
59323 $3,209.30 $4,387.59 $4,037.31 $3,977.81 $1,244.92 $3,677.86 $3,968.00 $2,323.07 $2,057.85
59324 $3,250.85 $4,214.64 $4,114.20 $3,977.81 $1,323.14 $3,677.86 $4,264.58 $2,376.71 $2,057.85
59326 $3,273.41 $4,214.64 $4,353.38 $3,977.81 $1,280.92 $3,681.58 $4,266.42 $2,354.73 $2,057.85
59327 $3,213.52 $4,387.59 $4,087.57 $3,977.81 $1,259.83 $3,677.86 $3,959.70 $2,299.96 $2,057.85
59330 $3,209.70 $4,214.64 $4,062.11 $3,977.81 $1,329.69 $3,681.58 $4,136.49 $2,217.47 $2,057.85
59332 $3,268.10 $4,214.64 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,475.58 $2,380.63 $2,057.85
59333 $3,205.98 $4,214.64 $4,087.57 $3,977.81 $1,244.92 $3,677.86 $4,032.46 $2,354.73 $2,057.85
59336 $3,230.76 $4,214.64 $4,101.78 $3,977.81 $1,304.67 $3,677.86 $4,156.75 $2,354.73 $2,057.85
59337 $3,328.66 $4,457.30 $4,265.89 $3,977.81 $1,305.27 $3,681.58 $4,462.17 $2,421.42 $2,057.85
59338 $3,245.19 $4,214.64 $4,101.78 $3,977.81 $1,319.44 $3,677.86 $4,257.45 $2,354.73 $2,057.85
59339 $3,232.92 $4,214.64 $4,062.11 $3,977.81 $1,301.82 $3,681.58 $4,212.81 $2,354.73 $2,057.85
59341 $3,313.92 $4,214.64 $4,353.38 $3,977.81 $1,378.70 $3,681.58 $4,492.68 $2,354.73 $2,057.85
59343 $3,313.86 $4,648.48 $4,037.31 $3,977.81 $1,335.20 $3,677.86 $4,421.69 $2,354.73 $2,057.85
59344 $3,230.42 $4,214.64 $4,101.78 $3,977.81 $1,343.56 $3,677.86 $4,115.17 $2,354.73 $2,057.85
59345 $3,324.17 $4,648.48 $4,037.31 $3,977.81 $1,323.14 $3,677.86 $4,516.17 $2,354.73 $2,057.85
59347 $3,266.20 $4,457.30 $4,087.57 $3,977.81 $1,244.92 $3,677.86 $4,271.57 $2,354.73 $2,057.85
59349 $3,273.91 $4,214.64 $4,353.38 $3,977.81 $1,310.51 $3,681.58 $4,178.89 $2,416.65 $2,057.85
59351 $3,312.70 $4,648.48 $4,087.57 $3,977.81 $1,232.84 $3,677.86 $4,464.49 $2,354.73 $2,057.85
59353 $3,217.20 $4,214.64 $4,062.11 $3,977.81 $1,355.13 $3,681.58 $4,096.83 $2,291.68 $2,057.85
59354 $3,249.43 $4,214.64 $4,101.78 $3,977.81 $1,378.70 $3,677.86 $4,232.09 $2,354.73 $2,057.85
59401 $3,190.43 $5,149.20 $3,618.03 $3,026.50 $1,338.93 $3,699.21 $4,084.07 $2,690.01 $1,917.48
59402 $3,155.30 $5,149.20 $3,664.12 $3,026.50 $1,371.17 $3,575.77 $3,872.32 $2,665.85 $1,917.48
59404 $3,174.69 $5,160.84 $3,664.12 $3,026.50 $1,341.86 $3,699.21 $3,895.75 $2,691.75 $1,917.48
59405 $3,155.69 $5,149.20 $3,664.12 $3,026.50 $1,371.17 $3,575.77 $3,818.61 $2,722.71 $1,917.48
59410 $3,140.66 $4,947.88 $3,664.12 $3,038.10 $1,382.07 $3,649.16 $4,087.76 $2,419.86 $1,936.37
59411 $3,387.91 $5,135.42 $3,762.10 $4,038.88 $1,386.23 $3,542.04 $4,826.09 $2,354.73 $2,057.85
59412 $3,251.80 $4,919.78 $3,664.12 $3,038.10 $1,426.41 $3,649.16 $4,735.63 $2,644.82 $1,936.37
59414 $3,192.53 $5,160.84 $3,664.12 $3,026.50 $1,341.86 $3,699.21 $4,081.00 $2,649.21 $1,917.48
59416 $3,239.42 $4,713.34 $3,529.37 $4,038.88 $1,400.07 $3,542.04 $4,279.12 $2,354.73 $2,057.85
59417 $3,420.37 $5,135.42 $3,762.10 $4,038.88 $1,402.99 $3,542.04 $4,845.55 $2,578.17 $2,057.85
59418 $3,235.45 $4,462.60 $3,533.31 $3,977.81 $1,315.56 $3,649.16 $4,532.57 $2,354.73 $2,057.85
59419 $3,322.24 $4,964.52 $3,603.61 $4,038.88 $1,384.48 $3,649.16 $4,524.71 $2,354.73 $2,057.85
59420 $3,267.53 $4,723.48 $3,560.98 $4,038.88 $1,488.36 $3,649.16 $4,220.60 $2,400.97 $2,057.85
59421 $3,164.99 $5,144.19 $3,664.12 $3,038.10 $1,362.27 $3,649.16 $3,987.86 $2,537.83 $1,936.37
59422 $3,251.00 $4,964.52 $3,560.98 $4,038.88 $1,314.10 $3,649.16 $4,063.87 $2,358.65 $2,057.85
59424 $3,267.24 $4,757.41 $3,533.31 $3,977.81 $1,307.87 $3,649.16 $4,499.76 $2,354.73 $2,057.85
59425 $3,288.25 $4,759.64 $3,989.15 $4,038.88 $1,400.07 $3,542.04 $4,304.65 $2,213.73 $2,057.85
59427 $3,372.00 $5,135.42 $4,063.40 $4,038.88 $1,257.99 $3,542.04 $4,441.89 $2,438.53 $2,057.85
59430 $3,264.98 $4,757.41 $3,533.31 $3,977.81 $1,300.98 $3,649.16 $4,488.57 $2,354.73 $2,057.85
59432 $3,330.49 $4,906.02 $3,762.10 $4,038.88 $1,296.43 $3,542.04 $4,685.93 $2,354.73 $2,057.85
59433 $3,241.90 $4,713.34 $3,560.98 $4,038.88 $1,394.07 $3,649.16 $4,166.19 $2,354.73 $2,057.85
59434 $3,372.07 $5,135.42 $3,762.10 $4,038.88 $1,462.61 $3,542.04 $4,488.48 $2,489.16 $2,057.85
59435 $3,310.63 $4,906.02 $3,989.15 $4,038.88 $1,207.93 $3,542.04 $4,388.48 $2,354.73 $2,057.85
59436 $3,234.64 $4,667.91 $3,664.12 $4,038.88 $1,305.38 $3,649.16 $4,086.30 $2,407.55 $2,057.85
59440 $3,163.46 $4,935.73 $3,664.12 $3,026.50 $1,471.88 $3,649.16 $4,147.70 $2,354.73 $2,057.85
59441 $3,239.30 $4,462.60 $3,533.31 $3,977.81 $1,256.67 $3,649.16 $4,622.31 $2,354.73 $2,057.85
59442 $3,265.94 $4,723.48 $3,601.08 $4,038.88 $1,409.99 $3,649.16 $4,263.52 $2,383.55 $2,057.85
59443 $3,124.90 $4,667.91 $3,664.12 $3,038.10 $1,411.79 $3,649.16 $4,097.56 $2,534.17 $1,936.37
59444 $3,325.35 $4,906.02 $3,989.15 $4,038.88 $1,224.62 $3,542.04 $4,489.53 $2,354.73 $2,057.85
59446 $3,261.37 $4,723.48 $3,533.31 $4,038.88 $1,373.08 $3,649.16 $4,309.41 $2,405.84 $2,057.85
59447 $3,311.62 $4,948.60 $3,533.31 $3,977.81 $1,402.68 $3,649.16 $4,568.81 $2,354.73 $2,057.85
59448 $3,408.40 $5,135.42 $3,762.10 $4,038.88 $1,432.38 $3,542.04 $4,776.08 $2,522.46 $2,057.85
59450 $3,288.19 $4,919.78 $3,533.31 $4,038.88 $1,439.64 $3,649.16 $4,312.22 $2,354.73 $2,057.85
59451 $3,228.63 $4,462.60 $3,533.31 $3,977.81 $1,291.49 $3,649.16 $4,502.09 $2,354.73 $2,057.85
59452 $3,290.91 $4,948.60 $3,533.31 $3,977.81 $1,311.39 $3,649.16 $4,494.42 $2,354.73 $2,057.85
59453 $3,247.34 $4,462.60 $3,640.54 $3,977.81 $1,315.56 $3,606.86 $4,562.82 $2,354.73 $2,057.85
59454 $3,336.91 $4,906.02 $3,989.15 $4,038.88 $1,251.06 $3,542.04 $4,555.54 $2,354.73 $2,057.85
59456 $3,322.02 $4,906.02 $3,989.15 $4,038.88 $1,268.06 $3,542.04 $4,419.42 $2,354.73 $2,057.85
59457 $3,191.21 $4,462.60 $3,533.31 $3,977.81 $1,281.01 $3,649.16 $4,245.68 $2,322.24 $2,057.85
59460 $3,364.22 $4,723.48 $4,060.88 $4,038.88 $1,396.82 $3,649.16 $4,631.98 $2,354.73 $2,057.85
59461 $3,310.25 $4,759.64 $3,989.15 $4,038.88 $1,378.70 $3,542.04 $4,361.06 $2,354.73 $2,057.85
59462 $3,299.50 $4,948.60 $3,533.31 $3,977.81 $1,331.95 $3,649.16 $4,542.65 $2,354.73 $2,057.85
59463 $3,185.83 $4,948.60 $3,533.31 $3,038.10 $1,359.15 $3,649.16 $4,356.10 $2,665.85 $1,936.37
59464 $3,216.18 $4,462.60 $3,533.31 $3,977.81 $1,325.00 $3,649.16 $4,368.97 $2,354.73 $2,057.85
59465 $3,153.30 $4,948.60 $3,533.31 $3,038.10 $1,359.15 $3,649.16 $4,095.85 $2,665.85 $1,936.37
59466 $3,352.80 $4,906.02 $3,989.15 $4,038.88 $1,215.92 $3,542.04 $4,717.79 $2,354.73 $2,057.85
59467 $3,358.68 $4,964.52 $3,603.61 $4,038.88 $1,384.48 $3,649.16 $4,816.25 $2,354.73 $2,057.85
59468 $3,252.94 $4,684.55 $3,664.12 $4,038.88 $1,411.79 $3,649.16 $4,129.00 $2,388.21 $2,057.85
59469 $3,310.68 $4,948.60 $3,533.31 $3,977.81 $1,375.91 $3,649.16 $4,588.09 $2,354.73 $2,057.85
59471 $3,201.01 $4,462.60 $3,533.31 $3,977.81 $1,281.76 $3,649.16 $4,300.25 $2,345.37 $2,057.85
59472 $3,141.25 $4,919.78 $3,664.12 $3,038.10 $1,371.17 $3,575.77 $3,958.86 $2,665.85 $1,936.37
59474 $3,308.81 $4,906.02 $3,989.15 $4,038.88 $1,207.93 $3,542.04 $4,514.72 $2,213.94 $2,057.85
59477 $3,129.08 $4,689.90 $3,664.12 $3,038.10 $1,362.27 $3,649.16 $4,026.92 $2,665.85 $1,936.37
59479 $3,293.44 $4,948.60 $3,533.31 $3,977.81 $1,309.65 $3,649.16 $4,544.61 $2,326.56 $2,057.85
59480 $3,217.35 $4,898.03 $3,664.12 $3,038.10 $1,426.41 $3,649.16 $4,482.38 $2,644.21 $1,936.37
59482 $3,345.49 $4,906.02 $3,989.15 $4,038.88 $1,268.06 $3,542.04 $4,618.30 $2,343.63 $2,057.85
59483 $3,177.95 $4,667.91 $3,664.12 $3,038.10 $1,342.36 $3,649.16 $4,459.72 $2,665.85 $1,936.37
59484 $3,362.14 $5,135.42 $3,989.15 $4,038.88 $1,275.05 $3,542.04 $4,504.01 $2,354.73 $2,057.85
59485 $3,148.50 $4,919.09 $3,664.12 $3,038.10 $1,362.27 $3,649.16 $4,026.92 $2,610.88 $1,917.48
59486 $3,361.11 $4,906.02 $4,063.40 $4,038.88 $1,296.43 $3,542.04 $4,622.91 $2,361.40 $2,057.85
59487 $3,141.11 $4,667.91 $3,664.12 $3,038.10 $1,391.06 $3,699.21 $4,186.66 $2,564.31 $1,917.48
59489 $3,237.77 $4,462.60 $3,584.24 $3,977.81 $1,291.31 $3,649.16 $4,524.48 $2,354.73 $2,057.85
59501 $3,247.27 $4,556.83 $3,790.22 $4,038.88 $1,280.47 $3,649.16 $4,269.05 $2,335.69 $2,057.85
59520 $3,316.98 $4,747.98 $3,790.22 $4,038.88 $1,363.58 $3,649.16 $4,443.60 $2,444.59 $2,057.85
59521 $3,317.89 $4,556.83 $3,790.22 $4,038.88 $1,347.89 $3,649.16 $4,718.26 $2,384.02 $2,057.85
59522 $3,318.83 $4,759.64 $3,989.15 $4,038.88 $1,407.06 $3,542.04 $4,488.74 $2,267.31 $2,057.85
59523 $3,251.82 $4,214.64 $3,790.22 $4,038.88 $1,339.63 $3,681.58 $4,533.39 $2,358.38 $2,057.85
59524 $3,354.13 $4,214.64 $3,848.17 $4,038.88 $1,453.31 $3,681.58 $5,055.80 $2,482.82 $2,057.85
59525 $3,299.01 $4,556.83 $3,790.22 $4,038.88 $1,285.72 $3,649.16 $4,646.66 $2,366.75 $2,057.85
59526 $3,309.36 $4,214.64 $3,790.22 $4,038.88 $1,330.93 $3,681.58 $4,939.89 $2,420.88 $2,057.85
59527 $3,339.71 $4,314.17 $3,848.17 $4,038.88 $1,389.27 $3,681.58 $4,940.55 $2,447.25 $2,057.85
59528 $3,277.83 $4,556.83 $3,790.22 $4,038.88 $1,332.25 $3,649.16 $4,442.74 $2,354.73 $2,057.85
59529 $3,320.76 $4,214.64 $3,790.22 $4,038.88 $1,329.18 $3,681.58 $4,966.21 $2,487.49 $2,057.85
59530 $3,326.42 $4,747.98 $3,790.22 $4,038.88 $1,407.06 $3,649.16 $4,565.46 $2,354.73 $2,057.85
59531 $3,318.09 $4,759.64 $3,989.15 $4,038.88 $1,407.06 $3,542.04 $4,395.39 $2,354.73 $2,057.85
59532 $3,293.80 $4,556.83 $3,790.22 $4,038.88 $1,342.69 $3,649.16 $4,560.07 $2,354.73 $2,057.85
59535 $3,304.56 $4,556.83 $3,790.22 $4,038.88 $1,344.86 $3,681.58 $4,611.54 $2,354.73 $2,057.85
59537 $3,305.30 $4,214.64 $3,848.17 $4,038.88 $1,387.52 $3,681.58 $4,859.07 $2,354.73 $2,057.85
59538 $3,286.47 $4,214.64 $3,848.17 $4,038.88 $1,439.36 $3,681.58 $4,625.32 $2,385.97 $2,057.85
59540 $3,286.64 $4,556.83 $3,790.22 $4,038.88 $1,332.25 $3,649.16 $4,536.83 $2,331.14 $2,057.85
59542 $3,311.40 $4,214.64 $3,848.17 $4,038.88 $1,329.18 $3,681.58 $4,966.21 $2,354.73 $2,057.85
59544 $3,283.26 $4,214.64 $3,782.14 $4,038.88 $1,382.89 $3,681.58 $4,753.36 $2,354.73 $2,057.85
59545 $3,322.39 $4,759.64 $3,989.15 $4,038.88 $1,282.02 $3,542.04 $4,554.82 $2,354.73 $2,057.85
59546 $3,304.18 $4,214.64 $3,848.17 $4,038.88 $1,403.22 $3,681.58 $4,834.40 $2,354.73 $2,057.85
59547 $3,307.56 $4,314.17 $3,790.22 $4,038.88 $1,339.63 $3,681.58 $4,883.43 $2,354.73 $2,057.85
59601 $2,883.49 $4,525.51 $3,775.68 $2,890.21 $1,201.94 $2,908.69 $3,693.98 $2,154.86 $1,917.09
59602 $2,877.23 $4,525.51 $3,775.68 $2,890.21 $1,276.30 $2,908.69 $3,531.18 $2,193.17 $1,917.09
59625 $2,907.72 $4,525.51 $3,734.61 $2,890.21 $1,201.94 $2,908.69 $3,910.86 $2,172.87 $1,917.09
59626 $2,878.40 $4,525.51 $3,734.61 $2,890.21 $1,201.94 $2,908.69 $3,676.27 $2,172.87 $1,917.09
59631 $3,041.19 $4,496.72 $3,913.81 $3,038.10 $1,309.68 $3,020.18 $4,231.29 $2,383.39 $1,936.37
59632 $3,000.45 $4,496.72 $3,771.54 $3,038.10 $1,403.98 $3,020.18 $3,970.10 $2,366.65 $1,936.37
59633 $3,063.99 $4,525.51 $3,748.90 $3,038.10 $1,301.78 $3,649.16 $3,928.76 $2,383.39 $1,936.37
59634 $3,038.94 $4,671.88 $3,913.81 $3,038.10 $1,309.68 $3,020.18 $4,057.41 $2,383.39 $1,917.09
59635 $2,866.45 $4,525.51 $3,775.68 $2,890.21 $1,209.86 $2,908.69 $3,589.05 $2,115.51 $1,917.09
59636 $2,887.70 $4,525.51 $3,734.61 $2,890.21 $1,276.30 $2,908.69 $3,676.27 $2,172.87 $1,917.09
59638 $3,058.40 $4,671.88 $3,913.81 $3,038.10 $1,309.68 $3,020.18 $4,231.29 $2,345.90 $1,936.37
59639 $3,108.68 $4,525.51 $3,790.01 $3,038.10 $1,341.57 $3,649.16 $4,101.61 $2,487.11 $1,936.37
59640 $3,051.21 $4,525.51 $3,748.90 $3,038.10 $1,301.78 $3,649.16 $3,826.47 $2,383.39 $1,936.37
59641 $2,988.11 $4,496.72 $3,771.54 $3,038.10 $1,403.98 $3,020.18 $3,854.58 $2,383.39 $1,936.37
59642 $2,997.30 $4,496.72 $3,723.20 $3,038.10 $1,388.77 $3,020.18 $3,991.72 $2,383.39 $1,936.37
59643 $3,029.11 $4,540.86 $3,762.24 $3,038.10 $1,374.82 $3,020.18 $4,176.95 $2,383.39 $1,936.37
59644 $3,007.52 $4,525.51 $3,771.54 $3,038.10 $1,323.03 $3,020.18 $4,040.00 $2,405.41 $1,936.37
59645 $3,040.78 $4,978.01 $3,502.59 $3,038.10 $1,352.33 $3,020.18 $4,131.23 $2,367.47 $1,936.37
59647 $3,062.67 $4,978.01 $3,771.54 $3,038.10 $1,417.92 $3,020.18 $3,955.85 $2,383.39 $1,936.37
59648 $3,086.19 $4,525.51 $3,664.12 $3,038.10 $1,412.73 $3,649.16 $4,011.55 $2,452.02 $1,936.37
59701 $3,185.56 $4,540.86 $3,771.54 $3,353.26 $1,291.93 $3,805.95 $4,100.60 $2,679.60 $1,940.75
59710 $3,059.37 $4,765.96 $3,980.57 $3,038.10 $1,325.69 $3,091.61 $3,953.30 $2,383.39 $1,936.37
59711 $3,091.89 $4,540.86 $3,913.81 $3,038.10 $1,382.56 $3,535.88 $4,017.00 $2,370.52 $1,936.37
59713 $2,979.79 $4,525.51 $3,790.01 $3,038.10 $1,318.84 $3,020.18 $3,814.31 $2,395.02 $1,936.37
59714 $3,057.10 $4,855.28 $3,723.20 $3,038.10 $1,335.70 $3,091.61 $3,916.62 $2,408.72 $2,087.57
59715 $3,052.10 $4,855.28 $3,723.20 $3,038.10 $1,244.56 $3,183.51 $3,902.97 $2,381.62 $2,087.57
59716 $3,108.61 $4,894.43 $3,980.57 $3,038.10 $1,267.96 $3,091.61 $4,154.44 $2,354.22 $2,087.57
59718 $3,053.16 $4,855.28 $3,723.20 $3,038.10 $1,272.88 $3,183.51 $3,963.06 $2,301.69 $2,087.57
59720 $3,055.56 $4,894.43 $3,980.57 $3,038.10 $1,283.34 $3,091.61 $3,836.67 $2,383.39 $1,936.37
59721 $3,002.37 $4,512.06 $3,723.20 $3,038.10 $1,270.03 $3,020.18 $4,135.68 $2,383.39 $1,936.37
59722 $3,025.76 $4,687.26 $3,913.81 $3,038.10 $1,382.56 $3,020.18 $3,873.47 $2,354.34 $1,936.37
59724 $3,062.28 $4,765.96 $3,980.57 $3,038.10 $1,311.54 $3,020.18 $4,043.37 $2,402.16 $1,936.37
59725 $3,030.63 $4,540.86 $3,980.57 $3,038.10 $1,346.16 $3,020.18 $4,039.29 $2,343.52 $1,936.37
59727 $3,053.49 $4,540.86 $3,771.54 $3,353.26 $1,400.30 $3,020.18 $4,017.67 $2,383.39 $1,940.75
59728 $2,993.81 $4,525.51 $3,913.81 $3,038.10 $1,318.84 $3,020.18 $3,814.31 $2,383.39 $1,936.37
59729 $3,037.95 $4,894.43 $3,980.57 $3,038.10 $1,263.07 $3,091.61 $3,767.46 $2,331.99 $1,936.37
59730 $3,121.79 $4,884.10 $3,980.57 $3,038.10 $1,267.96 $3,091.61 $4,259.04 $2,365.39 $2,087.57
59731 $3,011.23 $4,525.51 $3,887.07 $3,038.10 $1,318.84 $3,020.18 $3,980.41 $2,383.39 $1,936.37
59732 $3,009.30 $4,540.86 $3,980.57 $3,038.10 $1,346.16 $3,020.18 $3,828.82 $2,383.39 $1,936.37
59733 $3,031.96 $4,671.88 $3,887.07 $3,038.10 $1,304.90 $3,020.18 $4,013.79 $2,383.39 $1,936.37
59735 $2,998.46 $4,501.72 $3,723.20 $3,038.10 $1,270.03 $3,091.61 $3,911.91 $2,514.71 $1,936.37
59736 $3,043.02 $4,540.86 $4,028.89 $3,038.10 $1,359.98 $3,020.18 $4,036.42 $2,383.39 $1,936.37
59739 $3,059.80 $4,765.96 $3,980.57 $3,038.10 $1,297.27 $3,020.18 $4,056.60 $2,383.39 $1,936.37
59740 $3,041.85 $4,669.32 $3,980.57 $3,038.10 $1,282.19 $3,091.61 $3,953.30 $2,383.39 $1,936.37
59741 $3,077.05 $4,855.28 $3,723.20 $3,038.10 $1,369.63 $3,091.61 $4,033.70 $2,417.29 $2,087.57
59743 $3,112.93 $4,855.28 $4,019.61 $3,353.26 $1,400.30 $3,020.18 $3,930.68 $2,383.39 $1,940.75
59745 $3,038.56 $4,501.72 $3,980.57 $3,038.10 $1,282.19 $3,091.61 $4,094.54 $2,383.39 $1,936.37
59746 $3,009.30 $4,540.86 $3,980.57 $3,038.10 $1,346.16 $3,020.18 $3,828.82 $2,383.39 $1,936.37
59747 $3,056.23 $4,501.72 $3,980.57 $3,038.10 $1,270.03 $3,091.61 $4,248.08 $2,383.39 $1,936.37
59748 $3,112.23 $4,525.51 $3,771.54 $3,353.26 $1,396.78 $3,020.18 $4,234.89 $2,654.93 $1,940.75
59749 $3,050.90 $4,540.86 $3,980.57 $3,038.10 $1,325.69 $3,091.61 $3,996.34 $2,497.63 $1,936.37
59750 $3,185.34 $4,540.86 $3,771.54 $3,353.26 $1,382.85 $3,805.95 $4,013.81 $2,673.69 $1,940.75
59751 $3,096.48 $4,540.86 $3,723.20 $3,038.10 $1,376.91 $3,091.61 $4,558.21 $2,506.63 $1,936.37
59752 $3,017.23 $4,501.72 $3,723.20 $3,038.10 $1,340.51 $3,091.61 $3,972.67 $2,382.49 $2,087.57
59754 $3,046.03 $4,540.86 $3,980.57 $3,038.10 $1,354.15 $3,091.61 $3,919.09 $2,507.50 $1,936.37
59755 $3,041.29 $4,765.96 $3,980.57 $3,038.10 $1,331.95 $3,091.61 $3,802.42 $2,383.39 $1,936.37
59758 $3,092.38 $4,894.43 $3,980.57 $3,038.10 $1,262.76 $3,091.61 $3,954.64 $2,429.39 $2,087.57
59759 $3,043.29 $4,540.86 $3,762.24 $3,038.10 $1,333.51 $3,020.18 $4,310.54 $2,404.56 $1,936.37
59760 $3,046.10 $4,865.64 $3,723.20 $3,038.10 $1,340.51 $3,091.61 $3,838.79 $2,383.39 $2,087.57
59761 $3,011.68 $4,540.86 $3,771.54 $3,038.10 $1,359.98 $3,020.18 $3,952.02 $2,474.39 $1,936.37
59762 $3,001.95 $4,540.86 $3,771.54 $3,038.10 $1,377.68 $3,020.18 $3,947.49 $2,383.39 $1,936.37
59801 $2,963.80 $4,872.84 $3,749.16 $2,983.05 $1,252.05 $2,695.46 $3,840.76 $2,358.08 $1,959.03
59802 $2,952.56 $4,848.33 $3,790.01 $2,983.05 $1,212.87 $2,695.46 $3,778.60 $2,353.13 $1,959.03
59803 $2,941.55 $4,848.33 $3,790.01 $2,983.05 $1,242.35 $2,695.46 $3,682.81 $2,331.37 $1,959.03
59804 $2,976.54 $4,872.84 $3,790.01 $2,983.05 $1,244.09 $2,695.46 $3,890.59 $2,377.27 $1,959.03
59808 $2,950.55 $4,872.84 $3,790.01 $2,983.05 $1,260.48 $2,695.46 $3,638.62 $2,404.93 $1,959.03
59812 $2,963.16 $4,872.84 $3,790.01 $2,983.05 $1,252.05 $2,695.46 $3,806.01 $2,346.86 $1,959.03
59820 $3,181.40 $5,135.42 $3,790.01 $3,038.10 $1,272.99 $3,655.44 $4,139.63 $2,483.24 $1,936.37
59821 $3,263.80 $5,019.22 $3,790.01 $3,414.38 $1,382.19 $3,420.37 $4,279.34 $2,649.16 $2,155.75
59823 $3,111.40 $4,978.05 $3,790.01 $2,983.05 $1,334.75 $3,540.86 $3,933.34 $2,372.09 $1,959.03
59824 $3,273.13 $5,019.22 $3,840.23 $3,414.38 $1,428.47 $3,420.37 $4,336.11 $2,570.52 $2,155.75
59825 $3,019.22 $4,660.48 $3,790.01 $2,983.05 $1,255.56 $3,540.86 $3,680.56 $2,284.19 $1,959.03
59826 $3,211.81 $4,964.52 $3,996.44 $2,983.05 $1,334.59 $3,540.86 $4,573.25 $2,342.75 $1,959.03
59827 $3,027.92 $4,540.86 $3,887.07 $3,038.10 $1,359.52 $3,020.18 $3,983.67 $2,457.56 $1,936.37
59828 $2,990.63 $4,675.85 $3,887.07 $3,038.10 $1,307.12 $3,020.18 $3,695.60 $2,364.80 $1,936.37
59829 $3,023.61 $4,540.86 $3,887.07 $3,038.10 $1,324.84 $3,020.18 $4,026.76 $2,414.69 $1,936.37
59830 $3,202.42 $5,135.42 $3,772.02 $3,038.10 $1,311.37 $3,655.44 $4,387.26 $2,383.39 $1,936.37
59831 $3,272.40 $5,019.22 $3,790.01 $3,414.38 $1,438.97 $3,655.44 $4,195.80 $2,629.71 $2,035.70
59832 $3,029.57 $4,806.85 $3,790.01 $3,038.10 $1,303.01 $3,020.18 $3,954.24 $2,387.83 $1,936.37
59833 $3,047.96 $4,848.33 $3,764.79 $3,038.10 $1,290.37 $3,020.18 $4,074.63 $2,388.25 $1,959.03
59834 $3,055.89 $5,135.42 $3,790.01 $2,983.05 $1,345.40 $2,695.46 $4,156.34 $2,382.38 $1,959.03
59835 $2,996.26 $4,540.86 $3,887.07 $3,038.10 $1,307.12 $3,020.18 $3,856.98 $2,383.39 $1,936.37
59837 $3,018.48 $4,671.88 $3,887.07 $3,038.10 $1,373.87 $3,020.18 $3,837.02 $2,383.39 $1,936.37
59840 $3,004.49 $4,540.86 $3,887.07 $3,038.10 $1,307.12 $3,020.18 $3,941.46 $2,364.80 $1,936.37
59841 $2,996.26 $4,540.86 $3,887.07 $3,038.10 $1,307.12 $3,020.18 $3,856.98 $2,383.39 $1,936.37
59842 $3,202.42 $5,135.42 $3,772.02 $3,038.10 $1,311.37 $3,655.44 $4,387.26 $2,383.39 $1,936.37
59843 $3,027.26 $4,671.88 $3,790.01 $3,038.10 $1,377.16 $3,020.18 $3,987.50 $2,396.85 $1,936.37
59844 $3,386.85 $5,135.42 $4,012.32 $3,414.38 $1,421.88 $3,655.44 $4,684.86 $2,734.77 $2,035.70
59845 $3,316.19 $5,135.42 $4,012.32 $3,414.38 $1,316.71 $3,655.44 $4,301.96 $2,657.61 $2,035.70
59846 $3,068.77 $5,135.42 $3,790.01 $2,983.05 $1,438.97 $2,695.46 $4,129.72 $2,418.49 $1,959.03
59847 $2,995.39 $5,019.22 $3,790.01 $2,983.05 $1,332.64 $2,695.46 $3,816.45 $2,367.27 $1,959.03
59848 $3,331.29 $5,135.42 $4,012.32 $3,414.38 $1,316.71 $3,655.44 $4,450.59 $2,629.71 $2,035.70
59851 $2,988.25 $4,978.05 $3,790.01 $2,983.05 $1,212.87 $2,695.46 $3,940.69 $2,346.86 $1,959.03
59853 $3,440.51 $5,135.42 $4,012.32 $3,414.38 $1,416.63 $3,655.44 $5,138.66 $2,715.52 $2,035.70
59854 $3,096.75 $4,947.88 $3,790.01 $3,038.10 $1,367.63 $3,020.18 $4,290.45 $2,383.39 $1,936.37
59856 $3,310.72 $5,135.42 $3,772.02 $3,414.38 $1,388.39 $3,655.44 $4,454.66 $2,629.71 $2,035.70
59858 $3,026.79 $4,540.86 $3,887.07 $3,038.10 $1,373.87 $3,020.18 $4,006.37 $2,411.53 $1,936.37
59859 $3,348.30 $5,135.42 $3,928.29 $3,414.38 $1,388.39 $3,655.44 $4,597.12 $2,631.63 $2,035.70
59860 $3,255.76 $5,019.22 $4,012.32 $3,414.38 $1,247.03 $3,420.37 $4,205.88 $2,571.10 $2,155.75
59863 $3,279.47 $5,019.22 $3,790.01 $3,414.38 $1,382.19 $3,420.37 $4,424.16 $2,629.71 $2,155.75
59864 $3,244.78 $5,019.22 $3,928.29 $3,414.38 $1,303.80 $3,420.37 $4,202.46 $2,513.96 $2,155.75
59865 $3,262.24 $5,019.22 $3,790.01 $3,414.38 $1,366.32 $3,420.37 $4,355.35 $2,576.50 $2,155.75
59866 $3,217.11 $5,135.42 $3,772.02 $3,038.10 $1,311.37 $3,655.44 $4,420.08 $2,468.07 $1,936.37
59867 $3,221.49 $5,135.42 $3,772.02 $3,038.10 $1,311.37 $3,655.44 $4,539.85 $2,383.39 $1,936.37
59868 $3,156.10 $5,002.57 $3,790.01 $2,983.05 $1,384.64 $3,540.86 $4,143.77 $2,444.88 $1,959.03
59870 $3,060.84 $4,660.48 $3,764.79 $3,038.10 $1,316.95 $3,020.18 $4,268.84 $2,481.03 $1,936.37
59871 $3,013.66 $4,540.86 $3,771.54 $3,038.10 $1,382.46 $3,020.18 $4,036.42 $2,383.39 $1,936.37
59872 $3,206.64 $5,135.42 $3,790.01 $3,038.10 $1,305.16 $3,655.44 $4,359.57 $2,433.06 $1,936.37
59873 $3,364.34 $5,135.42 $4,012.32 $3,414.38 $1,407.85 $3,655.44 $4,596.09 $2,657.54 $2,035.70
59874 $3,365.74 $5,135.42 $4,012.32 $3,414.38 $1,416.63 $3,655.44 $4,590.85 $2,665.19 $2,035.70
59875 $2,996.83 $4,525.51 $3,764.79 $3,038.10 $1,340.67 $3,020.18 $3,972.53 $2,376.53 $1,936.37
59901 $3,334.32 $5,135.42 $4,012.32 $3,414.38 $1,368.82 $3,471.08 $4,505.53 $2,628.09 $2,138.93
59910 $3,278.43 $5,019.22 $4,012.32 $3,414.38 $1,247.03 $3,420.37 $4,328.69 $2,629.71 $2,155.75
59911 $3,336.07 $5,135.42 $4,012.32 $3,414.38 $1,424.06 $3,420.37 $4,427.66 $2,698.60 $2,155.75
59912 $3,331.09 $5,135.42 $4,012.32 $3,414.38 $1,377.44 $3,471.08 $4,486.90 $2,612.24 $2,138.93
59913 $3,332.19 $5,135.42 $4,012.32 $3,414.38 $1,368.82 $3,471.08 $4,513.53 $2,603.05 $2,138.93
59914 $3,340.71 $5,135.42 $4,012.32 $3,414.38 $1,338.40 $3,420.37 $4,619.30 $2,629.71 $2,155.75
59915 $3,323.40 $5,019.22 $4,012.32 $3,414.38 $1,326.21 $3,420.37 $4,549.24 $2,689.75 $2,155.75
59916 $3,347.79 $5,135.42 $4,012.32 $3,414.38 $1,462.61 $3,471.08 $4,517.84 $2,629.71 $2,138.93
59917 $3,372.37 $5,135.42 $4,012.32 $3,414.38 $1,378.70 $3,655.44 $4,642.83 $2,704.18 $2,035.70
59918 $3,351.38 $5,135.42 $4,012.32 $3,414.38 $1,378.70 $3,655.44 $4,549.33 $2,629.71 $2,035.70
59919 $3,323.94 $5,135.42 $4,012.32 $3,414.38 $1,368.82 $3,471.08 $4,447.52 $2,603.05 $2,138.93
59920 $3,391.20 $5,135.42 $4,012.32 $3,414.38 $1,407.93 $3,655.44 $4,687.47 $2,677.71 $2,138.93
59921 $3,351.97 $5,135.42 $4,012.32 $3,414.38 $1,462.61 $3,471.08 $4,551.35 $2,629.71 $2,138.93
59922 $3,374.36 $5,135.42 $4,012.32 $3,414.38 $1,407.22 $3,655.44 $4,505.10 $2,726.07 $2,138.93
59923 $3,364.97 $5,135.42 $4,012.32 $3,414.38 $1,369.21 $3,655.44 $4,607.65 $2,689.60 $2,035.70
59925 $3,378.26 $5,135.42 $4,012.32 $3,414.38 $1,388.39 $3,655.44 $4,574.15 $2,707.08 $2,138.93
59926 $3,335.52 $5,135.42 $4,012.32 $3,414.38 $1,368.82 $3,471.08 $4,513.53 $2,629.71 $2,138.93
59927 $3,324.68 $5,135.42 $4,012.32 $3,414.38 $1,385.34 $3,471.08 $4,413.27 $2,626.67 $2,138.93
59928 $3,326.39 $5,135.42 $4,012.32 $3,414.38 $1,464.63 $3,471.08 $4,344.62 $2,629.71 $2,138.93
59929 $3,339.12 $5,135.42 $4,012.32 $3,414.38 $1,395.37 $3,420.37 $4,549.66 $2,629.71 $2,155.75
59930 $3,387.14 $5,135.42 $4,012.32 $3,414.38 $1,374.40 $3,655.44 $4,765.25 $2,704.18 $2,035.70
59931 $3,377.84 $5,135.42 $4,012.32 $3,414.38 $1,383.14 $3,420.37 $4,793.59 $2,707.79 $2,155.75
59932 $3,389.23 $5,135.42 $4,012.32 $3,414.38 $1,435.44 $3,655.44 $4,605.65 $2,716.26 $2,138.93
59933 $3,351.38 $5,135.42 $4,012.32 $3,414.38 $1,378.70 $3,655.44 $4,549.33 $2,629.71 $2,035.70
59934 $3,351.38 $5,135.42 $4,012.32 $3,414.38 $1,378.70 $3,655.44 $4,549.33 $2,629.71 $2,035.70
59935 $3,386.28 $5,135.42 $4,012.32 $3,414.38 $1,374.40 $3,655.44 $4,774.42 $2,688.15 $2,035.70
59936 $3,335.52 $5,135.42 $4,012.32 $3,414.38 $1,368.82 $3,471.08 $4,513.53 $2,629.71 $2,138.93
59937 $3,309.17 $5,135.42 $4,012.32 $3,414.38 $1,385.34 $3,471.08 $4,321.29 $2,594.63 $2,138.93

The least expensive zip code for average rates is 59635 in East Helena at $2,866.45 and the most expensive is 59089 in Wyola at $3,457.80. Where in Montana you live could cost or save you hundreds of dollars on car insurance each year.

– Rates by City

City Average Annual Rate
ABSAROKEE $3,374.37
ACTON $3,324.24
ALBERTON $3,181.40
ALDER $3,059.37
ALZADA $3,272.57
ANACONDA $3,091.89
ANGELA $3,247.76
ANTELOPE $3,237.69
ARLEE $3,263.80
ASHLAND $3,335.42
AUGUSTA $3,140.66
AVON $2,979.79
BABB $3,387.92
BAINVILLE $3,213.21
BAKER $3,219.31
BALLANTINE $3,329.98
BASIN $3,041.19
BEARCREEK $3,399.96
BELFRY $3,398.10
BELGRADE $3,057.10
BELT $3,251.80
BIDDLE $3,319.09
BIG ARM $3,278.43
BIG SANDY $3,316.98
BIG SKY $3,108.61
BIG TIMBER $3,372.28
BIGFORK $3,336.07
BIGHORN $3,290.70
BILLINGS $3,215.36
BIRNEY $3,354.42
BLACK EAGLE $3,192.53
BLOOMFIELD $3,226.51
BONNER $3,111.40
BOULDER $3,000.45
BOX ELDER $3,317.89
BOYD $3,348.69
BOYES $3,245.95
BOZEMAN $3,052.63
BRADY $3,239.43
BRIDGER $3,371.67
BROADUS $3,364.13
BROADVIEW $3,305.39
BROCKTON $3,239.69
BROCKWAY $3,241.41
BROWNING $3,420.37
BRUSETT $3,336.70
BUFFALO $3,235.45
BUSBY $3,327.73
BUTTE $3,185.45
BYNUM $3,322.24
CAMERON $3,055.56
CANYON CREEK $3,064.00
CAPITOL $3,273.36
CARDWELL $3,002.38
CARTER $3,267.53
CASCADE $3,164.99
CHARLO $3,273.13
CHESTER $3,318.83
CHINOOK $3,251.82
CHOTEAU $3,251.00
CIRCLE $3,271.34
CLANCY $3,038.94
CLINTON $3,019.22
CLYDE PARK $3,128.77
COFFEE CREEK $3,267.24
COHAGEN $3,303.97
COLSTRIP $3,209.30
COLUMBIA FALLS $3,331.09
COLUMBUS $3,357.26
CONDON $3,211.81
CONNER $3,027.92
CONRAD $3,288.25
COOKE CITY $3,104.72
CORAM $3,332.19
CORVALLIS $2,990.63
CRANE $3,258.06
CROW AGENCY $3,338.39
CULBERTSON $3,233.90
CUSTER $3,264.17
CUT BANK $3,372.00
DAGMAR $3,204.38
DARBY $3,023.61
DAYTON $3,340.70
DE BORGIA $3,202.42
DECKER $3,348.11
DEER LODGE $3,025.76
DELL $3,062.28
DENTON $3,264.98
DILLON $3,030.63
DIVIDE $3,053.49
DIXON $3,272.40
DODSON $3,354.13
DRUMMOND $3,029.57
DUPUYER $3,330.50
DUTTON $3,241.90
EAST GLACIER PARK $3,372.07
EAST HELENA $2,866.45
EDGAR $3,348.69
EKALAKA $3,250.85
ELLISTON $2,993.81
ELMO $3,323.40
EMIGRANT $3,092.39
ENNIS $3,037.95
ESSEX $3,347.78
ETHRIDGE $3,310.64
EUREKA $3,372.37
FAIRFIELD $3,234.64
FAIRVIEW $3,254.48
FALLON $3,273.41
FISHTAIL $3,349.80
FLAXVILLE $3,219.91
FLORENCE $3,047.96
FLOWEREE $3,163.46
FOREST GROVE $3,239.30
FORSYTH $3,213.52
FORT BENTON $3,265.94
FORT HARRISON $2,887.70
FORT PECK $3,262.14
FORT SHAW $3,124.90
FORT SMITH $3,436.52
FORTINE $3,351.38
FRAZER $3,233.71
FRENCHTOWN $3,055.89
FROID $3,208.76
FROMBERG $3,351.51
GALATA $3,325.35
GALLATIN GATEWAY $3,121.79
GARDINER $3,147.92
GARRISON $3,011.23
GARRYOWEN $3,309.23
GERALDINE $3,261.38
GEYSER $3,311.62
GILDFORD $3,299.01
GLASGOW $3,257.57
GLEN $3,009.31
GLENDIVE $3,209.70
GLENTANA $3,247.55
GOLD CREEK $3,031.96
GRANTSDALE $2,996.26
GRASS RANGE $3,204.36
GREAT FALLS $3,173.60
GREYCLIFF $3,376.51
HALL $3,018.48
HAMILTON $3,004.49
HAMMOND $3,268.10
HARDIN $3,330.36
HARLEM $3,309.36
HARLOWTON $3,335.54
HARRISON $2,998.46
HATHAWAY $3,205.98
HAUGAN $3,202.42
HAVRE $3,247.27
HAYS $3,339.72
HEART BUTTE $3,408.40
HELENA $2,886.71
HELMVILLE $3,027.26
HERON $3,386.85
HIGHWOOD $3,288.20
HILGER $3,228.63
HINGHAM $3,277.83
HINSDALE $3,270.91
HOBSON $3,290.91
HOGELAND $3,320.76
HOMESTEAD $3,212.08
HOT SPRINGS $3,316.19
HUNGRY HORSE $3,323.94
HUNTLEY $3,251.00
HUSON $3,068.77
HYSHAM $3,260.74
INGOMAR $3,265.80
INVERNESS $3,326.42
ISMAY $3,230.76
JACKSON $3,043.02
JEFFERSON CITY $3,058.40
JOLIET $3,291.91
JOPLIN $3,318.09
JORDAN $3,328.66
JUDITH GAP $3,247.34
KALISPELL $3,334.32
KEVIN $3,336.91
KILA $3,391.20
KINSEY $3,245.19
KREMLIN $3,293.80
LAKE MC DONALD $3,351.97
LAKESIDE $3,374.36
LAMBERT $3,262.80
LAME DEER $3,304.24
LARSLAN $3,267.58
LAUREL $3,127.14
LAVINA $3,281.68
LEDGER $3,322.02
LEWISTOWN $3,191.21
LIBBY $3,364.96
LIMA $3,059.80
LINCOLN $3,108.68
LINDSAY $3,232.92
LIVINGSTON $3,089.78
LLOYD $3,304.56
LODGE GRASS $3,433.47
LOLO $2,995.39
LOMA $3,364.22
LONEPINE $3,331.28
LORING $3,305.30
LOTHAIR $3,310.26
MALMSTROM A F B $3,155.30
MALTA $3,286.47
MANHATTAN $3,077.05
MARION $3,378.26
MARTIN CITY $3,335.52
MARTINSDALE $3,096.85
MARYSVILLE $3,051.21
MC ALLISTER $3,041.86
MC LEOD $3,342.41
MEDICINE LAKE $3,185.92
MELROSE $3,112.93
MELSTONE $3,246.91
MELVILLE $3,347.37
MILDRED $3,313.92
MILES CITY $3,239.85
MILLTOWN $2,988.25
MISSOULA $2,958.03
MOCCASIN $3,299.51
MOLT $3,359.10
MONARCH $3,185.83
MOORE $3,216.18
MOSBY $3,296.36
MUSSELSHELL $3,211.85
NASHUA $3,251.97
NEIHART $3,153.30
NORRIS $3,038.56
NOXON $3,440.51
NYE $3,342.03
OILMONT $3,352.80
OLIVE $3,313.86
OLNEY $3,324.68
OPHEIM $3,268.86
OTTER $3,341.41
OUTLOOK $3,231.83
OVANDO $3,096.75
PARADISE $3,310.72
PARK CITY $3,351.41
PEERLESS $3,268.30
PENDROY $3,358.69
PHILIPSBURG $3,026.79
PINESDALE $2,996.26
PLAINS $3,348.30
PLENTYWOOD $3,201.06
PLEVNA $3,230.42
POLARIS $3,009.31
POLEBRIDGE $3,326.39
POLSON $3,255.75
POMPEYS PILLAR $3,330.28
PONY $3,056.23
POPLAR $3,224.91
POWDERVILLE $3,324.17
POWER $3,252.94
PRAY $3,161.32
PROCTOR $3,339.12
PRYOR $3,377.49
RADERSBURG $2,988.11
RAMSAY $3,112.23
RAPELJE $3,351.27
RAVALLI $3,279.47
RAYMOND $3,226.98
RAYNESFORD $3,310.68
RED LODGE $3,414.03
REDSTONE $3,233.60
REED POINT $3,329.76
RESERVE $3,235.69
REXFORD $3,387.13
RICHEY $3,282.47
RICHLAND $3,247.44
RINGLING $2,997.31
ROBERTS $3,398.91
ROLLINS $3,377.84
RONAN $3,244.78
ROSCOE $3,362.59
ROSEBUD $3,266.20
ROUNDUP $3,241.63
ROY $3,201.01
RUDYARD $3,286.64
RYEGATE $3,365.74
SACO $3,255.03
SAINT IGNATIUS $3,262.24
SAINT MARIE $3,258.89
SAINT REGIS $3,217.11
SAINT XAVIER $3,433.31
SALTESE $3,221.49
SAND COULEE $3,141.25
SAND SPRINGS $3,359.05
SANDERS $3,248.89
SAVAGE $3,249.91
SCOBEY $3,213.04
SEELEY LAKE $3,156.10
SHAWMUT $3,350.96
SHELBY $3,308.82
SHEPHERD $3,262.08
SHERIDAN $3,050.90
SIDNEY $3,210.99
SILVER GATE $3,122.05
SILVER STAR $3,096.49
SIMMS $3,129.09
SOMERS $3,389.23
SPRINGDALE $3,133.14
STANFORD $3,293.44
STEVENSVILLE $3,060.84
STOCKETT $3,217.35
STRYKER $3,351.38
SULA $3,013.67
SUMATRA $3,252.49
SUN RIVER $3,177.95
SUNBURST $3,345.49
SUPERIOR $3,206.64
SWEET GRASS $3,362.14
TEIGEN $3,271.07
TERRY $3,273.91
THOMPSON FALLS $3,364.34
THREE FORKS $3,017.24
TOSTON $3,029.11
TOWNSEND $3,007.52
TREGO $3,351.38
TROUT CREEK $3,365.74
TROY $3,386.28
TURNER $3,311.40
TWIN BRIDGES $3,046.03
TWO DOT $3,342.88
ULM $3,148.50
VALIER $3,361.12
VANDALIA $3,269.32
VAUGHN $3,141.11
VICTOR $2,996.84
VIDA $3,229.80
VIRGINIA CITY $3,041.30
VOLBORG $3,312.70
WEST GLACIER $3,335.52
WEST YELLOWSTONE $3,092.38
WESTBY $3,218.65
WHITE SULPHUR SPRINGS $3,040.78
WHITEFISH $3,309.17
WHITEHALL $3,043.29
WHITETAIL $3,228.05
WHITEWATER $3,283.26
WHITLASH $3,322.39
WIBAUX $3,217.20
WILLARD $3,249.43
WILLOW CREEK $3,046.10
WILSALL $3,112.29
WINIFRED $3,237.77
WINNETT $3,310.52
WINSTON $3,062.67
WISDOM $3,011.68
WISE RIVER $3,001.95
WOLF CREEK $3,086.20
WOLF POINT $3,230.57
WORDEN $3,287.69
WYOLA $3,457.80
ZORTMAN $3,304.18
ZURICH $3,307.56

People that have lived in Montana their whole lives may not have heard of some of these “cities.” For the sake of sharing this information, we’ve labeled every place with a post office as a “city.”

Since nearly 40 percent of the population live in the ten largest cities, we’ll highlight those next:

Average Car Insurance Rates In Montana's Largest Cities

Helena comes in lowest at $2886.71 while Kallispel averages $3334.32 a year. The rest of the top ten cities lie somewhere in between.

Montana Car Insurance Companies

Prices are an important part of choosing a car insurance carrier. But there need to be other things that factor into your decision.

For example, let’s say you found a rate from Company A that was quite a bit lower than Company B and you decided to go with Company A based on that alone. Then you run into a moose and have to file a claim, but you have trouble reaching anyone from your insurance company.

When you do finally reach an agent, they fight your claim every step of the way. The experience is a nightmare and you realize it would have probably been better to pay more and go with Company B because of their good reputation.

Finding all that information could take a lot of work, but we’ve already done it! And we’ve compiled the information in one place next!

Here are the stats about financial stability, customer satisfaction and, the one you likely care most about: rates.

– Financial Ratings

Providers (Listed by Size, Largest to Smallest): AM Best Rating:
State Farm A++
Liberty Mutual A
Progressive A++
Farmers A
USAA A++
Geico A++
Mountain West Farm A-
Allstate A+
Travelers A++
QBE A

The largest companies in the state got there through hard work and stability. They all have good financial ratings. If you’re looking at one of the smaller insurers in the state, check their financial stability rating and outlook from AM Best.

– Customer Satisfaction

J.D. Power ranks auto insurers throughout the country each year. Here’s how the major companies rate in the northwest region of the U.S.

JD Power Insurance Rating Northwest Region

In nearly every region, USAA outperforms the competition in rates and customer satisfaction. It’s not available to the general public, though.

– Complaint Ratios

Montana's largest car insurance companies' complaint ratios

QBE, the 10th largest insurer by market share in the state had a complaint ratio is very high at nearly 95. Because they are a small company, it only took five complaints to put their ratio that high.

– Rates by Company

Company Average Compared to State Average Percentage Over/Under State Average
Allstate F&C $4,672.10 +$1,451.26 +31.06%
Mid-Century Ins Co $3,907.55 +$686.70 +17.57%
Geico General $3,602.35 +$381.50 +10.59%
SAFECO Ins Co of IL $1,326.11 -$1,894.73 -142.88%
Depositors Insurance $3,478.26 +$257.41 +7.40%
Progressive NorthWestern $4,330.76 +$1,109.92 +25.63%
State Farm Mutual Auto $2,417.73 -$803.11 -33.22%
USAA $2,031.89 -$1,188.96 -58.51%

These rates are the average for the state of Montana for all driving histories, credit histories, and ages. Expect your rate to vary.

Average Rates for Montana Insurers

Safeco is looking like a solid option!

– Commute Rates

Montana chart of rates by commute

Half of the companies in our survey charged the same rate regardless of the annual miles. Of the ones that charged more, Allstate charged the most ($221 annually) for the higher mileage commute and USAA the least ($49 annually).

– Rates by Coverage Level

Chart of rates by coverage level in Montana

– Rates by Credit History

The use of credit history in rate formulation is a hotly debated subject. Those who argue against it say that it unfairly raises rates of good drivers because their credit history is less than stellar. Those in favor argue that individuals with lower scores are statistically more likely to file a claim.

Regardless of your stance on the issue, credit scores are a major factor in your rates for most companies.

Insurance credit scores differ from your standard credit rating, but the information for both are pulled from the same credit report.

Company Annual Rate
Poor Credit
Annual Rate
Fair Credit
Annual Rate
Good Credit
Allstate $5,648.45 $4,519.28 $3,848.58
Farmers $4,607.55 $3,661.37 $3,453.72
Geico $5,675.22 $3,025.06 $2,106.77
Liberty Mutual $1,326.11 $1,326.11 $1,326.11
Nationwide $4,396.26 $3,172.44 $2,866.07
Progressive $5,240.66 $4,005.65 $3,745.98
State Farm $3,476.81 $2,116.08 $1,660.31
USAA $2,740.31 $1,854.79 $1,500.57

Liberty Mutual’s rates remain the same regardless of your credit score. Geico and State Farm will charge you more than double for poor credit than for good.

The average credit score for a citizen of Montana is 689 which is higher than the national average of 675. If your credit score is higher, you’ll likely pay lower car insurance rates.

– Rates by Driving Record

Your driving record is the biggest indication of your risk to an insurance company. For example, an intoxicated driver who has had a DUI conviction within the past three years is four times more likely to be involved in a fatal collision than an intoxicated driver without a prior DUI.

If your history indicates a bigger risk for an insurance company to take on, you’ll pay for it with higher rates.

Company Clean record With one speeding violation With one accident With one DUI
Allstate $3,925.26 $4,485.46 $4,642.32 $5,635.38
Farmers $3,433.60 $3,433.60 $4,436.87 $4,326.13
Geico $2,316.09 $2,767.01 $3,664.68 $5,661.62
Liberty Mutual $903.51 $1,259.73 $1,570.59 $1,570.59
Nationwide $2,525.70 $3,051.00 $3,638.09 $4,698.24
Progressive $3,739.67 $4,147.16 $4,819.80 $4,616.41
State Farm $2,255.63 $2,417.73 $2,579.85 $2,417.73
USAA $1,531.17 $1,868.12 $1,901.51 $2,826.76

While you may think a DUI will make your rates increase more than any other offense, that’s not always the case. As you can see, State Farm raises rates by the same amount for a speeding violation as they do for a DUI conviction.

Some companies view an accident as a greater risk factor than a DUI (Farmers, Progressive, State Farm) but half of the companies in our study do charge the most to drivers with a DUI conviction on record.

– Largest Companies by Market Share

pie chart of montana car insurers by market share

The table below provides more information:

Company Group/group/code Company Name Direct Premiums Written Loss Ratio Market Share
State Farm Group $166,714 58.29% 22.99%
Liberty Mutual Group $93,428 56.54% 12.88%
Progressive Group $92,619 60.42% 12.77%
Farmers Insurance Group $64,633 46.34% 8.91%
USAA Group $50,954 70.92% 7.03%
Geico $39,509 73.41% 5.45%
Mountain West Farm Group $38,879 58.37% 5.36%
Allstate Insurance Group $29,149 47.79% 4.02%
Travelers Group $23,589 55.63% 3.25%
QBE Insurance Group $22,480 62.39% 3.10%

– Total Number of Private Passenger Auto Insurers

Location Number of Insurers Licensed in Montana
Domestic 14
Foreign 822
Total 836

Montana Laws

Montana Code Annotated contains all the laws you need to know. Unfortunately, it’s not considered leisure reading material and it would take days, weeks, months, or maybe even a lifetime to wade through.

We’ll cover the most important laws you need to know for driving!

– Car Insurance Laws

Car insurance companies must file rates and supporting data with the state prior to use. The Office of the Montana State Auditor assures residents of the following:

We make sure the policies sold in Montana comply with those laws and that prices are not unreasonably high.

They also are willing to answer questions and help you make sure you receive fair compensation from your insurance company after filing a claim.

– High-Risk Insurance

As your risk increases, your rates will increase. Sometimes, after certain accidents or DUI convictions, your insurance company may drop your coverage because they deem you too high of a risk. At that point, you’re probably going to have a hard time finding insurance anywhere.

That’s where an assigned risk pool can offer you the insurance you need to drive. Montana Automobile Insurance Plan is part of the Western Association of Automobile Insurance Plans.

– Windshield Coverage

While some states require insurers to replace or repair windshields with no deductible, you won’t find that law in Montana.

Some insurance companies may offer no-deductible glass replacement, but you’ll be hard pressed to find a company offering that perk because the risk for windshields breaking in Montana is too high.

Basically, what I’m trying to break to you is: Don’t get your hopes up for a deductible-free windshield replacement.

– Automobile Insurance Fraud in Montana

Insurance fraud costs the average American consumer about 10 percent higher premiums. Cases of hard fraud, such as falsifying claims and staging accidents are easy to condemn, but the cases of soft fraud, such as lying about personal information to get a lower rate, hurt the industry just as much.

Consumer fraud isn’t the only fraudulent activity to watch out for. A company not licensed to sell insurance may try to woo customers with low rates only to not provide actual coverage. That’s one of the reasons it’s so important to investigate a company in more areas than just a promised rate.

Insurance fraud is classified as a crime in Montana, and The Office of the Montana State Auditor, Montana Commissioner of Securities and Insurance investigates and prosecutes fraudulent activity in the industry.

If you suspect fraud you can download a fraud form here to report it.

Also, remember the importance of honesty when getting insurance and filing claims. If the insurance company finds out you’ve been lying, your claims could be denied and you could be prosecuted.

– Statute of Limitation

The statute of limitations for bringing a property damage case to court is two years in Montana. The limit for making injury claims, or filing an injury lawsuit is three years.

If you haven’t made a claim within that time period, you are out of luck.

For insurance claims, you are far better off making a claim right away and not waiting until you approach the statute of limitations. If you wait too long, you may not be able to access or remember information important to your claim, and your case may be harder to prove.

– Vehicle Licensing Laws

Going hand-in-hand with the requirement for auto insurance, are the requirements for drivers to be licensed and vehicles to be registered. Each of these three demands must be fulfilled to drive legally.

Think about it. If you are pulled over, what do you expect the law enforcement officer to say first? He will most likely request your driver’s license, registration, and proof of insurance.

Most of what we’ve looked at so far has focused on the insurance aspect. Now we’ll touch on the license and registration topics.

– Penalties for Driving Without Insurance

There are some serious consequences to driving without insurance in Montana.

  • First Offense
    • Fine – $250-$500 and/or
    • Imprisonment – 10 days maximum
  • Second Offense
    • Fine – $350 and/or
    • Imprisonment – 10 days maximum
  • Third and Subsequent Offenses
    • Fine – $500 and/or
    • Imprisonment – Six months maximum

Also, for second and subsequent convictions, the registration and plates must be surrendered. Upon the ability to provide proof of insurance, the offender may receive a restricted registration that restricts the use of the vehicle to employment purposes. The restricted registration must remain for the following lengths of time

  • Second Offense – 90 days
  • Third and Subsequent Offenses – 180 days

Fourth and subsequent convictions require the suspension of the offender’s driver license.

The lookback period where previous offenses are considered is five years.

Montana law enforcement officers have access to a database which, in theory, provides up-to-the-minute information regarding a vehicle’s insurance status. This database is called the Montana Insurance Verification System (MTIVS).

The highway patrol and many local agencies may access MTIVS but drivers are still required to provide proof of insurance. The state accepts the following forms:

  • insurance card
  • insurance policy
  • electronic proof

The system is also accessed by title and registration offices.

In Montana, if a vehicle is registered, it must be insured.

– Teen Driving Laws

Like the rest of the U.S., Montana has a graduated driver licensing (GDL) system for teen drivers. The goal of a graduated system is to increase safety. Statistics prove that the increased regulation for teen drivers has brought the rate of accidents down.

Young Driver Licensing Laws Minimum Age Passenger Restrictions Time Restrictions
Learner's Permit 14 years, six months if enrolled in an approved driver education program.
16 years old otherwise
A licensed parent, guardian or another authorized (by parent or guardian) individual must supervise.
All passengers must be seat belted.
Teens must have a supervised 50 hours of driving practice, including 10 hours at night
Provisional License 15 years old and have held learner's permit for at least six months. First six months—no more than one passenger younger than 18;
second six months—no more than three passengers younger than 18 (family members excepted)
No driving between 11 p.m. and five a.m. (travel to and from certain activities excepted)
Full License 16 years old if held provisional license for at least 12 months.
18 years old otherwise
None None

Montana allows teens to receive each stage of the license at an earlier age than is recommended by the CDC.

– Older Driver License Renewal Procedures

License Renewal Procedures General Population Older Population
License renewal cycle Every eight years or 75th birthday, whichever occurs first Ever four years for people 75 and older
Mail or online renewal permitted Either is permitted every other renewal.
Must renew in person every other renewal.
Either is permitted every other renewal.
Must renew in person every other renewal.
Proof of adequate vision required at renewal Every renewal Every renewal

– New Residents

If you’re new to Montana, you should be aware that you have to apply for a Montana driver license within 60 days of moving. When applying for a license, here’s what you’ll need to have:

  • Proof of identity – a driver license or ID from another state or Canada, a passport, or a certified birth certificate
  • Proof of residency – includes a utility bill, rental agreement, bank statement, payroll check or stub
  • Proof of authorized presence – Birth certificate or passport are the most common proofs

– Montana Rules of the Road

Where there are roads, there must be rules or there would be pandemonium. Montanna is a large state with I-90 crossing east/west and I-15 going north/south. The distance between towns can be long and most drivers are glad for the 80 mph speed limits on the interstates.

Long-time residents sometimes reflect fondly on the days where the speed limit was governed by the words, “reasonable and prudent,” but those vague speed limit days are no more.

– Fault Vs No-Fault

Montana is a fault state, otherwise known as a tort state. The party responsible for the accident is also responsible for paying for the damages.

– Keep Right Laws

Drivers traveling more slowly than the average speed of traffic is required to keep right. There are a few clueless drivers who like to drive in the passing lane of the interstate. If you’re one of them, move to the right! Traffic will travel flow much more smoothly.

When a driver in front of you is turning left, you may pass on the right as long as you do not leave the well-maintained portion of the roadway.

– Move-Over Laws

When an emergency vehicle with lights on is stopped on the roadway or off the roadway Vehicles must move to the non-adjacent lane if safe to do so. If unable to safely move to a further lane, drivers must slow down.

If on a highway with a speed limit of 50 mph or greater, the driver must slow down at least 20 mph if unable to safely move to a non-adjacent lane.

Speed Limits

Roadway Daytime Speed Limit (mph) Nighttime Speed Limit (mph) Truck: Daytime Speed Limit (mph) Truck: Nighttime Speed Limit (mph)
Rural Interstates 80
80 65 65
Urban Interstates (Billings, Great Falls, Missoula) 65 65 65 65
Two-Lane Highway 70
65 60 55

– Seat Belt and Car Seat Laws

All occupants in all seats are required to wear seat belts. Enforcement is secondary, so the driver must commit a primary offense to be pulled over, but once pulled over, seat belt violations may be ticketed.

Highway Patrol and local law enforcement agencies often participate in buckle-up campaigns to encourage more seat belt use. A seat belt offense will cost $20. The monetary fine is nothing compared to the danger you put yourself in when you don’t buckle.

If you have more people riding in the vehicle than there are seatbelts, all the seatbelts must be used and the remaining passengers may remain unbuckled. Also, there are no laws restricting riding in the cargo area of a pickup truck.

Car seat laws in Montana leave a lot of room for parental judgment. Properly fitted and installed child safety seats can be the difference between life and death in a crash.

Montana law states that children under 6 years of age and under 60 pounds must be in a child safety seat. Both must be met to legally discontinue safety seat use.

So, if your child is seven years old, but weight 50 pounds, they must still be in a car seat or booster seat. Similarly, if your child weighs 65 pounds but is 5 years old, they must still be secured in a safety seat.

The American Academy of Pediatrics recommends that children are secured in a rear-facing car seat until they are two years old or outgrow the car seat’s specs.

– School Bus Laws

Sometimes there is confusion about what to do when a school bus is stopped. This video explains the proper driver response.

 – Ridesharing

Lyft and Uber are allowed to operate in the state. Farmers and State Farm offer rideshare coverage to bridge the gap between when regular car insurance covers you and when Uber or Lyft insurance gives you protection.

– Automation on the Road

Not surprisingly, Montana is not a hotbed for autonomous vehicle technology. The state legislature is still investigating and determining what laws need to be updated to cover the new range of issues autonomous vehicles would bring to the state.

– Safety Laws

Driving always carries risk, and there are some behaviors that increase that risk. We’ll look at some of those behaviors and the laws Montana has concerning them now:

– DUI Laws

In Montana, “DUI” is short for “driving under the influence of alcohol or drugs.”

The lookback period (the time frame in which previous convictions are considered) is 10 years, but once you have a third DUI, the lookback period changes to lifetime.

Penalty First Offense Second Offense Third and Subsequent Offenses
License Suspension Six months One year One year
Imprisonment 24 hours - six months Seven days - one year 30 days - one year
Fine $600 - $1000 plus $200 reinstatement fee $1200 - $2000 $2500 - $5000
Other 10 license points for life; must participate in ACT phases (assessment, course, treatment); may be ordered to use IID 10 license points for life; may be required to enroll in 24/7 sobriety program 10 license points for life = 30 total - Driver's License revoked for being a Habitual Traffic Offender

If passengers under 16 years old are in the vehicle at the time of the offense, penalties typically double.

The judge can decide when and if a DUI offender is eligible for a probationary license during the suspension. A probationary license allows driving only for the following reasons:

  • work or school
  • required chemical dependency programs
  • a location reasonably related to maintenance of the household

Unfortunately, Montana is ranked worst for drunk driving. Be aware that drunk drivers are out on the road, report suspicious behavior, and don’t drink and drive.

– Driving Under the Influence of Marijuana

Montana allows marijuana use for medical reasons. However, a person found to be operating a vehicle under the influence of marijuana (blood level five ng/ml of THC or greater) they will face the same penalties listed above. Additionally, their medical marijuana card will be suspended or revoked.

– Distracted Driving Laws

Montana is the only state with no handheld or texting bans. Even novice drivers are not prohibited from texting while driving.

Remember, though, that just because there is no state-wide ban, you could still get in trouble for texting or using a handheld electronic device depending on where you are.

Most of the major cities in Montana have hands-free city ordinances. Check out this map below so you know where to put the phone down or be faced with fines:

There are handheld bans where over one-third of the population lives, and since the bans are in the larger cities, the majority of Montanans will be driving to or through these areas on a regular basis.

Montana Can’t-Miss Facts

There are a lot of driving stats. Finding helpful information can be difficult when so much is available at our fingertips. We’ll show you the most relevant facts. By seeing this data, you can learn what risks are out there and endeavor to mitigate the risk as best you can.

– Most Stolen Vehicles

In a state where it seems that most households own a truck, it’s not surprising that pickup trucks dominate the top 10 most stolen vehicles list:

chart of the most stolen vehicles in Montana

-Vehicle Theft in Montana’s Largest Cities

This information is from the FBI from 2013. It does not include information for Butte included.

Billings is the largest city, so you would expect the highest crime rates. What’s surprising is how much higher the vehicle theft rate is than in the next largest city, Missoula. Billings not even double the size of Missoula yet its vehicle theft rate is more than quadruple Missoula’s.

chart of vehicle theft by city montana

– Risky and Harmful Behavior

Montana leads the country in traffic deaths per capita. Contributing factors include:

  • miles driven
  • mountain passes
  • changing weather conditions
  • intoxicated drivers
  • the abundance of wild animals

Wintery roads are a dangerous reality you’ll have to face considering winter seems to last a solid 75 percent of the year and snow has fallen every month of the year in the state. So, if you live in Montana, you’re going to have to embrace the chill.

– Traffic Fatalities

Type Number of Fatalities
Traffic Fatalities 186
Passenger Vehicle Occupant Fatalities (All Seat Positions) 143
Motorcyclist Fatalities 23
Drivers Involved in Fatal Crashes 228
Pedestrian Fatalities 14
Bicyclist and other Cyclist Fatalities 1

– Rural Vs Urban Fatalities

Roadway Type Number of Fatalities 2017
Urban 19
Rural 167

– Fatalities by Person Type

Person Type Number of Fatalities 2017
Occupants (Enclosed Vehicles) 144
Motorcyclists 23
Nonoccupants 14

– Fatalities by Crash Type

Crash Type Number
Single Vehicle 116
Involving a Large Truck 22
Involving Speeding 59
Involving a Rollover 90
Involving a Roadway Departure 139
Involving an Intersection (or Intersection-Related) 23

– Five-Year Trend for the Top Counties

County 2013 2014 2015 2016 2017
Missoula County 15 15 15 20 17
Flathead County 21 13 12 18 15
Big Horn County 10 9 11 13 13
Yellowstone County 21 18 17 17 12
Lewis And Clark County 7 6 15 4 11
Gallatin County 9 9 10 10 9
Lake County 11 6 6 8 9
Glacier County 15 7 6 7 7
Broadwater County 2 3 2 0 6
Cascade County 12 15 9 12 6
Top Ten Counties 130 109 114 118 105
All Other Counties 99 83 110 72 81
All Counties 229 192 224 190 186

– Fatalities Involving Speeding by County

County Fatalities Involving Speeding in 2017 Fatality Rate Per 100K Population
Beaverhead County 0 0
Big Horn County 2 14.97
Blaine County 0 0
Broadwater County 2 33.69
Carbon County 1 9.35
Carter County 0 0
Cascade County 2 2.45
Chouteau County 1 17.35
Custer County 0 0
Daniels County 0 0
Dawson County 0 0
Deer Lodge County 1 10.98
Fallon County 0 0
Fergus County 0 0
Flathead County 5 5
Gallatin County 5 4.64
Garfield County 0 0
Glacier County 3 21.99
Golden Valley County 0 0
Granite County 0 0
Hill County 3 18.22
Jefferson County 1 8.41
Judith Basin County 0 0
Lake County 2 6.61
Lewis And Clark County 4 5.9
Liberty County 1 41.2
Lincoln County 0 0
Madison County 1 12.23
Mccone County 0 0
Meagher County 1 54.02
Mineral County 0 0
Missoula County 3 2.55
Musselshell County 0 0
Park County 2 12.23
Petroleum County 0 0
Phillips County 2 48.56
Pondera County 0 0
Powder River County 0 0
Powell County 1 14.72
Prairie County 0 0
Ravalli County 0 0
Richland County 2 18.12
Roosevelt County 0 0
Rosebud County 1 10.81
Sanders County 1 8.54
Sheridan County 1 28.83
Silver Bow County 1 2.89
Stillwater County 2 21.23
Sweet Grass County 0 0
Teton County 0 0
Toole County 0 0
Treasure County 3 441.83
Valley County 0 0
Wheatland County 0 0
Wibaux County 0 0
Yellowstone County 5 3.15

– Fatalities Involving an Alcohol-Impaired Driver by County

County Number of Fatalities 2013 Number of Fatalities 2014 Number of Fatalities 2015 Number of Fatalities 2016 Number of Fatalities 2017 Fatalities per 100K Population 2013 Fatalities per 100K Population 2014 Fatalities per 100K Population 2015 Fatalities per 100K Population 2016 Fatalities per 100K Population 2016
Beaverhead County 2 0 0 1 0 21.5 0 0 10.59 0
Big Horn County 5 4 5 6 5 38.12 30.01 37.66 44.87 37.43
Blaine County 0 3 3 1 0 0 45.11 45.33 15.02 0
Broadwater County 0 1 0 0 2 0 17.68 0 0 33.69
Carbon County 0 0 2 1 0 0 0 19.25 9.53 0
Carter County 0 0 0 0 0 0 0 0 0 0
Cascade County 6 9 3 5 2 7.31 10.98 3.67 6.14 2.45
Chouteau County 1 2 2 1 2 17.11 33.96 34.68 17.26 34.69
Custer County 1 0 1 0 0 8.43 0 8.29 0 0
Daniels County 0 1 0 0 0 0 55.71 0 0 0
Dawson County 1 0 3 0 3 10.67 0 31.39 0 33.52
Deer Lodge County 0 0 2 0 0 0 0 21.96 0 0
Fallon County 0 0 0 0 0 0 0 0 0 0
Fergus County 0 1 1 0 1 0 8.84 8.86 0 8.86
Flathead County 10 2 5 8 2 10.77 2.12 5.22 8.19 2
Gallatin County 3 5 3 6 6 3.18 5.15 2.99 5.77 5.57
Garfield County 1 0 0 0 0 79.74 0 0 0 0
Glacier County 12 3 5 7 4 87.15 21.92 36.71 51.21 29.33
Golden Valley County 0 0 0 0 0 0 0 0 0 0
Granite County 0 0 0 1 0 0 0 0 30.38 0
Hill County 1 1 2 0 1 6.05 6.07 12.18 0 6.07
Jefferson County 1 1 0 0 0 8.75 8.71 0 0 0
Judith Basin County 0 0 0 0 0 0 0 0 0 0
Lake County 4 4 1 4 4 13.77 13.73 3.4 13.46 13.21
Lewis And Clark County 3 1 1 4 4 4.61 1.52 1.51 5.99 5.9
Liberty County 0 0 0 0 0 0 0 0 0 0
Lincoln County 6 1 4 1 0 30.92 5.22 21.04 5.2 0
Madison County 2 1 2 0 1 26.09 12.86 25.25 0 12.23
Mccone County 0 0 0 0 0 0 0 0 0 0
Meagher County 0 0 0 2 0 0 0 0 108.58 0
Mineral County 0 0 0 1 0 0 0 0 24.24 0
Missoula County 6 3 5 5 4 5.38 2.67 4.39 4.31 3.41
Musselshell County 0 1 0 0 0 0 21.6 0 0 0
Park County 0 1 4 2 1 0 6.29 25.06 12.42 6.12
Petroleum County 1 0 0 1 0 196.08 0 0 200.8 0
Phillips County 0 1 0 0 2 0 24.01 0 0 48.56
Pondera County 0 0 0 0 0 0 0 0 0 0
Powder River County 0 0 1 0 0 0 0 56.59 0 0
Powell County 1 0 0 1 1 14.39 0 0 14.6 14.72
Prairie County 0 0 0 0 0 0 0 0 0 0
Ravalli County 4 1 1 2 1 9.84 2.46 2.43 4.78 2.35
Richland County 5 1 1 1 1 44.83 8.67 8.41 8.77 9.06
Roosevelt County 1 3 3 4 0 9.02 26.6 26.3 35.65 0
Rosebud County 0 2 2 3 1 0 21.47 21.42 32.38 10.81
Sanders County 1 2 2 1 2 8.85 17.69 17.72 8.72 17.08
Sheridan County 0 2 0 0 0 0 54.78 0 0 0
Silver Bow County 2 1 2 0 1 5.81 2.89 5.8 0 2.89
Stillwater County 2 0 1 1 0 21.59 0 10.61 10.68 0
Sweet Grass County 1 1 0 0 1 27.36 27.5 0 0 27.09
Teton County 1 0 2 0 0 16.56 0 33.06 0 0
Toole County 1 0 1 1 0 19.54 0 19.7 20.16 0
Treasure County 0 0 0 3 1 0 0 0 437.96 147.28
Valley County 0 1 1 0 0 0 13.14 13.14 0 0
Wheatland County 0 0 0 0 0 0 0 0 0 0
Wibaux County 0 0 0 0 0 0 0 0 0 0
Yellowstone County 6 13 5 9 4 3.91 8.38 3.2 5.71 2.52

– Teens and Drunk Driving

In Montana, the legal limit for blood alcohol concentration in those under 21 years of age is 0.02 percent.

Montana has the highest rate of underage fatalities related to alcohol-impaired driving.

Underage Drinking Stats
Alcohol-Impaired Driving Fatalities (under 21) Per 100K Population 3.0
Higher/Lower Than National Average (1.2) Highest in the Nation
DUI Arrest (Under 18 years old) 42
DUI Arrests (Under 18 years old) Total Per Million People 184.53

– EMS Response Time

Crash Location Time of Crash to EMS
Notification (minutes)
EMS Notification to
EMS Arrival (minutes)
EMS Arrival at Scene
to Hospital Arrival (minutes)
Time of Crash to Hospital
Arrival (minutes)
Rural Fatal Crashes 9.23 15.55 42.33 59.38
Urban Fatal Crashes 1.23 6.25 27.77 35.38

– Transportation

It’s no surprise that the majority of Montanan’s commute alone. The availability of public transportation is extremely limited, and carpooling is not part of the culture.

The average Montanan’s commute is significantly shorter in time than the U.S. average. The average Montanan spends 16.4 minutes getting to work compared to the national average of 25.3 minutes.

Montana is represented in orange while the overall U.S. average is represented in gray.



The rate of Montanans who work at home or walk to work is higher than to the national average.

– Traffic Congestion

Yes, there is traffic congestions in Montana, surprisingly! Los Angelos, New York, and Chicago residents may beg to differ, but when your trip through town takes twice as long as usual, it’s annoying!

I would be remiss if I didn’t take this moment to point out the stereotypical “Montana traffic jam.” While you probably won’t face this every day on your commute, there will likely be a time or two you’ve encountered a slowdown due to a herd of elk, another mass animal crossing, or a cattle drive.

Now you have a pretty good picture of what you’ll need for insurance in Montana, and what you can expect for rates. To find out how must YOU can expect to pay for car insurance, compare quotes right here, today!

References:
  1. https://www.visitmt.com/things-to-do/hot-spring-resorts-and-pools.html
  2. https://www.bridgerbowl.com/
  3. https://leg.mt.gov/content/Committees/Interim/2009_2010/Revenue_and_Transportation/Meeting_Documents/Sept%2017&18%202009/MVLIBACKGROUND_09SEPT.pdf
  4. https://www.naic.org/prod_serv/AUT-PB-14.pdf
  5. https://www.statefarm.com/simple-insights/auto-and-vehicles/how-likely-are-you-to-have-a-deer-collision
  6. https://clark.com/cars/do-you-need-full-coverage-or-just-liability-insura/
  7. https://www.metromile.com/
  8. https://www.washingtonpost.com/archive/politics/1985/10/01/montana-implements-policy-of-unisex-insurance/c8897a22-a667-4d6e-acb2-b695702e1b31/?utm_term=.fbe1356b1651
  9. https://www.insurance.ca.gov/0400-news/0100-press-releases/2019/release003-19.cfm
  10. http://www.ambest.com/home/default.aspx
  11. https://www.jdpower.com/business/press-releases/jd-power-2018-us-auto-insurance-study
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  13. https://www.irmi.com/articles/expert-commentary/credit-based-insurance-scoring-a-simmering-debate
  14. https://www.experian.com/blogs/ask-experian/state-of-credit/
  15. https://one.nhtsa.gov/people/outreach/traftech/1995/tt085.htm
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  17. https://csimt.gov/your-insurance/auto/
  18. https://www.aipso.com/Plan-Sites/Montana
  19. https://www.iii.org/article/background-on-insurance-fraud
  20. http://csimt.gov/wp-content/uploads/InsuranceFraudReport-1.pdf
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