Car Insurance for Teens Cost in Montana
Car insurance for teens in Montana costs about $5,230 a year ($436 a month), which is 5% below the US average. Most prices fall from $2,660 to $9,030.
Car Insurance for Teens Cost in Montana
| Low | Typical | High | |
|---|---|---|---|
| Montana | $2,660 | $5,230 | $9,030 |
| US average | $2,800 | $5,500 | $9,500 |
Claim frequency, litigation rates and weather losses push prices up or down in Montana. We rank Montana number 20 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 0.95 (1.00 is the US average).
What the price covers
The figures are for a 16 to 18 year old driver, full coverage. Adding a teen to a parent policy is usually cheaper than a separate policy. Good-student and driver-training discounts help.
Ways to pay less in Montana
- Add the teen to a parent policy instead of buying a separate one.
- Ask about good-student and driver-training discounts.
- Pick a safe, older, modest car; sports cars multiply the price.
Frequently asked questions
How much is car insurance for a 16 year old?
In Montana the typical price is about $5,230 a year ($436 a month), with a range of $2,660 to $9,030.
Is car insurance for teens more expensive in Montana than average?
It is 5% below the US average of $5,500.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.