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open/ MT/ missoula

Cheapest car insurance in Missoula, Montana

Montana requires minimum liability coverage of 25/50/20. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Montana →

Pulled directly from carrier rate filings for this city.

Missoula is a smaller market, 75,516 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 64% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 7% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $118.42
02 NationwideFiled rate, credit/record adjusted $166.88
03 State FarmFiled rate, credit/record adjusted $178.77
04 KemperFiled rate, credit/record adjusted $232.71
05 GEICOFiled rate, credit/record adjusted $233.84
06 ProgressiveFiled rate, credit/record adjusted $242.94
07 FarmersFiled rate, credit/record adjusted $293.26
08 AllstateFiled rate, credit/record adjusted $331.49
Rate explainer
Why is your best rate $118.42 and not $209.31?

Missoula is priced against 8 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-28.03
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$43.51
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.