Missoula has 76,514 residents in 34,941 households. We list 3 agencies for auto insurance in Missoula. Here is what the local numbers say about the cover people here need.

Missoula at a glance

3auto insurance agencies listed
53%of households rentRenters insurance
$473,100median home valueHome insurance
1981median year homes were builtRebuild cost calculator
6.7%of households have no carAuto insurance
4.1%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Missoula County

FEMA rates the overall natural hazard risk in Missoula County, where most Missoula agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Montana

Montana requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $20,000 of property damage liability, often written 25/50/20.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Missoula How much liability cover do you need?

Source: mca.legmt.gov. Checked 2026-10-24.

Where Missoula agencies are

Missoula agencies we list sit in 3 ZIP codes, mostly in Missoula County.

598011 agency
598021 agency
598061 agency

Questions

Auto insurance in Missoula

All insurance agencies in Missoula · Auto insurance across Montana

Where can I find auto insurance in Missoula?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Do I need flood insurance in Missoula?

FEMA's National Risk Index rates inland flooding risk in Missoula County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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