Tesla Model 3 Insurance in Montana (2026)
Quick Answer
Full coverage for a 2024 Tesla Model 3 in Montana costs $190/month ($2,282/year). Safety rating: 5/5. Theft risk: low.
✓ Updated March 2026✓ Based on state insurance filings
Tesla Model 3 Rates by Company in Montana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $141/mo | $1,689/yr | Military families |
| Erie Insurance | $150/mo | $1,803/yr | Rate lock guarantee |
| GEICO | $156/mo | $1,871/yr | Clean driving record |
| Progressive | $167/mo | $2,008/yr | Telematics savings |
| State Farm | $173/mo | $2,077/yr | Good students |
| Travelers | $181/mo | $2,168/yr | Multiple discounts |
| Nationwide | $198/mo | $2,373/yr | Bundling home + auto |
| Farmers | $205/mo | $2,465/yr | Signal telematics |
| Allstate | $213/mo | $2,556/yr | Accident forgiveness |
| Liberty Mutual | $224/mo | $2,693/yr | New car replacement |
USAACheapest
Monthly
$141/mo
Annual
$1,689/yr
Best for: Military families
Erie Insurance
Monthly
$150/mo
Annual
$1,803/yr
Best for: Rate lock guarantee
GEICO
Monthly
$156/mo
Annual
$1,871/yr
Best for: Clean driving record
Progressive
Monthly
$167/mo
Annual
$2,008/yr
Best for: Telematics savings
State Farm
Monthly
$173/mo
Annual
$2,077/yr
Best for: Good students
Travelers
Monthly
$181/mo
Annual
$2,168/yr
Best for: Multiple discounts
Nationwide
Monthly
$198/mo
Annual
$2,373/yr
Best for: Bundling home + auto
Farmers
Monthly
$205/mo
Annual
$2,465/yr
Best for: Signal telematics
Allstate
Monthly
$213/mo
Annual
$2,556/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$224/mo
Annual
$2,693/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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Tesla Model 3 Insurance by Age in Montana
| Age | Monthly | Annual |
|---|---|---|
| 16 years old | $525/mo | $6,303/yr |
| 19 years old | $318/mo | $3,812/yr |
| 21 years old | $253/mo | $3,036/yr |
| 25 years old | $166/mo | $1,997/yr |
| 30 years old | $138/mo | $1,650/yr |
| 40 years old | $129/mo | $1,551/yr |
| 50 years old | $125/mo | $1,502/yr |
| 65 years old | $136/mo | $1,634/yr |