# What You Pay for Low Automobile Insurance in Montana — Average Prices & Breakdown _Last updated: 2026-10-05T07:43:17Z_ > In Montana, low automobile insurance tends to run from $8,436 to $29,525 per year, with a mid-market job near $15,782. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$8,436 | | Typical | ~$15,782 | | High | ~$29,525 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$8,436 | ~$18,981 | ~$29,525 | | Best-qualified applicant scenario | ~$6,918 | ~$17,188 | ~$27,458 | | Weaker-credit scenario | ~$9,111 | ~$23,747 | ~$38,383 | | Origination and third-party fees | ~$1,012 | ~$4,492 | ~$7,972 | | Shorter term with higher payment | ~$8,605 | ~$21,723 | ~$34,840 | ## What moves the price of low automobile insurance What pushes low automobile insurance toward the top of its range? Premium materials, awkward access, urgent scheduling, extra permits and disposal. Each is optional to a degree, and each should be itemised before you compare totals. ## How to compare quotes for low automobile insurance When you compare quotes for low automobile insurance, line up the scope, the materials and the timeline rather than just the totals. Ask each provider what would make the price rise after the quote is accepted. ## Timing your low automobile insurance For low automobile insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## What Low Automobile Insurance typically costs Plan around a $8,436–$29,525 per year band for low automobile insurance in Montana. A typical job is near $15,782, and the gap between the two ends is where scope, materials and timing do their work. ## Frequently asked questions ### How much does low automobile insurance cost? Most low automobile insurance falls between $8,436 and $29,525, with a typical figure near $15,782 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For Montana, ask a provider to put that in writing with the quote. ### What affects the price of low automobile insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Providers serving Montana can tell you how it affects a typical job. ### Is Low Automobile Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in Montana can change the detail, so compare nearby quotes. ### How many quotes should I get for low automobile insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across Montana, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/montana/tax-preparation/) - [Personal Loans](/montana/personal-loans/) - [Auto Loans](/montana/auto-loans/) - [Student Loans](/montana/student-loans/) - [Business Loans](/montana/business-loans/) - [Mortgages](/montana/mortgages/) - [Alabama](/alabama/low-automobile-insurance/) - [Alaska](/alaska/low-automobile-insurance/) - [Arizona](/arizona/low-automobile-insurance/) - [Arkansas](/arkansas/low-automobile-insurance/) - [California](/california/low-automobile-insurance/) - [Colorado](/colorado/low-automobile-insurance/) - [Connecticut](/connecticut/low-automobile-insurance/) - [Delaware](/delaware/low-automobile-insurance/) - [District of Columbia](/district-of-columbia/low-automobile-insurance/) - [Florida](/florida/low-automobile-insurance/) - [Georgia](/georgia/low-automobile-insurance/) - [Hawaii](/hawaii/low-automobile-insurance/) - [Idaho](/idaho/low-automobile-insurance/) - [Illinois](/illinois/low-automobile-insurance/) - [Indiana](/indiana/low-automobile-insurance/) - [Iowa](/iowa/low-automobile-insurance/) - [Kansas](/kansas/low-automobile-insurance/) - [Kentucky](/kentucky/low-automobile-insurance/) - [Louisiana](/louisiana/low-automobile-insurance/) - [Maine](/maine/low-automobile-insurance/) - [Maryland](/maryland/low-automobile-insurance/) - [Massachusetts](/massachusetts/low-automobile-insurance/) - [Michigan](/michigan/low-automobile-insurance/) - [Minnesota](/minnesota/low-automobile-insurance/) - [Mississippi](/mississippi/low-automobile-insurance/) - [Missouri](/missouri/low-automobile-insurance/) - [Montana](/montana/low-automobile-insurance/) - [Nebraska](/nebraska/low-automobile-insurance/) - [Nevada](/nevada/low-automobile-insurance/) - [New Hampshire](/new-hampshire/low-automobile-insurance/) - [New Jersey](/new-jersey/low-automobile-insurance/) - [New Mexico](/new-mexico/low-automobile-insurance/) - [New York](/new-york/low-automobile-insurance/) - [North Carolina](/north-carolina/low-automobile-insurance/) - [North Dakota](/north-dakota/low-automobile-insurance/) - [Ohio](/ohio/low-automobile-insurance/) - [Oklahoma](/oklahoma/low-automobile-insurance/) - [Oregon](/oregon/low-automobile-insurance/) - [Pennsylvania](/pennsylvania/low-automobile-insurance/) - [Rhode Island](/rhode-island/low-automobile-insurance/) - [South Carolina](/south-carolina/low-automobile-insurance/) - [South Dakota](/south-dakota/low-automobile-insurance/) - [Tennessee](/tennessee/low-automobile-insurance/) - [Texas](/texas/low-automobile-insurance/) - [Utah](/utah/low-automobile-insurance/) - [Vermont](/vermont/low-automobile-insurance/) - [Virginia](/virginia/low-automobile-insurance/) - [Washington](/washington/low-automobile-insurance/) - [West Virginia](/west-virginia/low-automobile-insurance/) - [Wisconsin](/wisconsin/low-automobile-insurance/) - [Wyoming](/wyoming/low-automobile-insurance/) - [Ontario](/ontario/low-automobile-insurance/) - [Quebec](/quebec/low-automobile-insurance/) - [British Columbia](/british-columbia/low-automobile-insurance/) - [Alberta](/alberta/low-automobile-insurance/) - [Saskatchewan](/saskatchewan/low-automobile-insurance/) - [Manitoba](/manitoba/low-automobile-insurance/) - [Nova Scotia](/nova-scotia/low-automobile-insurance/) - [New Brunswick](/new-brunswick/low-automobile-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/low-automobile-insurance/) - [Prince Edward Island](/prince-edward-island/low-automobile-insurance/) - [Billings](/billings/) - [Bozeman](/bozeman/) - [Great Falls](/great-falls/) - [Missoula](/missoula/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.