Car Insurance in Missoula

Drive with more protection when you have car insurance in Missoula.
Compare, shop and customize quotes from top-rated insurance carriers.

Driving in Missoula

Missoula offers many charms for its nearly 77,000 residents. including museums, galleries, colleges and the great outdoors. Mountain Line public transit makes many destinations accessible, but hours and routes are limited.

In fact, the average household in Missoula owns two cars. Vehicles let residents more easily explore their rugged corner of Montana, take fun road trips and complete tasks such as commuting to work and shopping for groceries.

An average of 12 people are involved in fatal accidents in Missoula per year. No matter how safely you drive, the risk of minor or major accidents always exists. Winter particularly can pose challenges, and seven months of the year get significant snowfall in Missoula. December gets the brunt of it, averaging 11.1 inches of snow. Car insurance in Missoula can offer a lot of protection and peace of mind, so compare rates with VIU by HUB.

Montana Car Insurance Requirements

Montana requires that drivers have at least a basic amount of liability insurance, and they must be able to show proof of this coverage to authorities if requested. The minimum liability coverage is called 25/50/20. It breaks down like this:

  • 25: $25,000 bodily injury per person per accident
  • 50: $50,000 bodily injury for multiple people per accident
  • 20: $20,000 in property damage per accident

This is liability insurance for accidents you cause and does not cover your own injuries or damage to your own car. If you are not at fault, then an at-fault driver's insurance might cover you, but not everyone has insurance despite legal requirements.

Optional Car Insurance in Missoula

Insurance experts often recommend having at least 100/300/100 liability insurance, a significant difference from the 25/50/20 Montana minimum. If you have serious assets to protect, consider getting more than the bare minimum since these assets could be at risk if you're at fault in an accident.

If you have a car loan, you probably must get collision and comprehensive coverage. They help pay for physical damage to your vehicle. Many motorists get this coverage even if they don't have loans because cars can be expensive to replace. If yours does not have a lot of value, that can be a different story.

Uninsured motorists coverage can help if you're in an accident with someone who doesn't have insurance or enough insurance. It can also apply in hit-and-run scenarios. Medical payments coverage can help pay for medical expenses regardless of fault and offers another layer of protection on top of health insurance.

Cost of Missoula Auto Insurance

Car insurance in Missoula averages $132 a month or $1,580 a year. These rates are fairly affordable compared with much of Montana and the United States. It is a good idea to compare rates at least once a year since your situation can change. As your car gets older or you pay off a loan on it, for example, you may not need or want as much insurance.

Your age, driving history, location in Missoula, marital status and deductible amount all affect your rates. For instance, teens and young adults typically pay more.

Your vehicle make and model matter too, since some cars are less safe, more expensive or more at risk of theft. However, all insurers weigh risks differently. Drivers can get vastly different quotes from various insurers. Using VIU by HUB to compare rates for car insurance in Missoula helps you streamline the process and find reliable insurance that is affordable for you.

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


U.S. Census Bureau


Mountain Line


Montana Code Annotated 2023


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