Car Insurance for Young & Teen Drivers in Montana
Why young drivers pay more for car insurance in Montana and the discounts and strategies that lower it.
- Cited from NAIC & the Montana DOI
- Free — no obligation
- Licensed partners
Updated August 2026
Teen and young drivers pay the most for car insurance anywhere, and Montana is no exception — thin driving history and higher crash rates drive the price up until experience builds.
The average Montana driver pays about $975/yr (NAIC, 2023) for a typical driver; a newly licensed teen usually pays a large multiple of that, and rates ease as they age and stay claim-free. The Montana state minimum is 25/50/20 ($25k bodily injury per person, $50k per accident, $20k property damage).
Ways to cut the cost for a young driver in Montana:
- Add the teen to a parent’s policy instead of a standalone one.
- Good-student discounts for a solid GPA.
- Telematics / usage-based programs that reward safe driving.
- Choose a safe, moderate car — not a sports car.
- Complete an approved driver-training course.
Compare Montana quotes with the young driver listed to see the real difference between carriers. Montana Dept. of Insurance →
Montana car insurance for young drivers FAQ
Why is car insurance so expensive for young drivers in Montana?
Young and newly licensed drivers have little record and statistically higher crash rates, so insurers price them higher until experience accumulates.
How can a teen driver save on car insurance in Montana?
Stay on a parent’s policy, qualify for good-student and driver-training discounts, use a telematics program and pick a modest, safe vehicle.
Is it cheaper to add a teen to my policy in Montana?
Usually yes — adding a teen to an existing family policy is typically cheaper than a separate policy for them.