Car Insurance in Kalispell

Car insurance in Kalispell can help you better enjoy the natural beauty of this region of Montana.
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Driving in Kalispell

The 28,450 residents of scenic Kalispell live in the middle of many cultural and recreational opportunities. Tourists love it here too, partly due to the proximity of Glacier National Park. Kalispell's population keeps growing overall, one reason why getting good car insurance is important. More people means increased odds of accidents.

Of course, some people use Mountain Climber public transportation, but hours and routes are restricted. For instance, ride service is possible only Monday through Friday from 7 a.m. to 6 p.m. The average Kalispell household has two cars, and residents use their vehicles for commutes, shopping trips and drives to outdoor destinations, among other things.

Kalispell weather can be daunting, with snowfall seven months of the year and an average of 17.7 inches in December. No matter how careful you are in wintry weather, accidents are possible. That is even true even if the weather is perfect. Fortunately, VIU by HUB lets you easily compare quotes from multiple providers so you can find great car insurance in Kalispell for your needs.

Auto Insurance Considerations in Montana

You're required to have a minimum amount of liability insurance in Montana. This 25/50/20 minimum offers $25,000 in bodily injury or death coverage for one person in an accident, $50,000 for multiple people in an accident and $20,000 for property damage or destruction per accident.

This liability coverage pays for others' injuries or property damage and not your own. It may also not be enough to protect your assets if you have a significant amount and face a lawsuit if you are at fault in an accident. The net effect is that many people with car insurance in Kalispell do a few things.

  • They get higher liability coverage such as 100/300/100 or even more, especially if they own a home.
  • They get collision and comprehensive insurance to help with repairs or replacement for their own vehicle, particularly if they are financing their car. Lenders often mandate these two types of coverage.
  • They purchase uninsured motorist coverage for additional protection in hit-and-runs and situations involving drivers with no insurance or insufficient insurance.
  • They may get other types of coverage such as medical payments, towing and labor and rental.

Average Cost of Car Insurance in Kalispell

Kalispell drivers pay, on average, $148 a month or $1,777 a year. This is one of the higher rates in Montana. If you need to pay less, though, you have some options such as lowering coverage limits, eliminating some types of coverage or increasing the size of your deductible. Lowering or eliminating coverage does give you less protection, and a higher deductible can mean more out-of-pocket expenses if you file a claim.

Insurers generally consider factors such as car make and model, your driving history, age, gender, marital status, location and credit score when calculating how much to charge you. Each company uses different formulas and approaches the process differently, so comparing rates is another way to potentially pay less for the same coverage.

Try to get quotes once annually since your insurance needs can change. Cars usually decrease in value, for example, and newly purchased cars may need more insurance than older cars do. VIU by HUB lets you easily evaluate quotes from various insurers so you can quickly get a good idea of your potential costs for car insurance in Kalispell.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


U.S. Census Bureau

Mountain Climber



Montana Code Annotated 2023


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