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How much is car insurance in Missoula?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Missoula will typically run you about $4 a month more than in the rest of Montana.
Drivers relocating from out of state may enjoy some cost savings in Missoula. It's about $5 cheaper to insure your vehicle in Missoula compared to the average rate for the United States as a whole.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Missoula residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay $34 more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates begin to go back up in Missoula.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, Missoula bucks this trend. Female drivers typically pay around $5 more per month for auto insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Those with clean records can expect to pay a lot less than those with infractions. Drivers in Missoula with a single accident on their record will usually see rates around $90 a month. Likewise, drivers with one ticket will be looking at a rate of around $76 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$78|
According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Missoula, with drivers paying around $55 per month for insurance.
Car owners can expect to pay an average of around $81 a month for their policy, while SUVs usually cost around $76 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. In Missoula, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Missoula as well, where the difference is around $9 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$86|
One other element taken into consideration is your housing status. In Missoula, homeowners can expect to pay around $34 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Missoula, MT
Recent trends in car insurance for Missoula drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Missoula, the rates for auto insurance dropped from 2017-2018, before rising from 2019-2021. They finished down in 2022 at $79.
How does Missoula compare to neighboring areas?
Why are car insurance rates in Missoula different from other areas?
There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Road Safety (total number of local car accidents)
- Amount of drivers
- Local laws
- Crime rates
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Missoula?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But hold on! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Missoula in no time.
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Missoula Insurance FAQs
What factors affect car insurance quotes in Missoula?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Missoula different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Missoula?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Missoula?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Missoula or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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