Cost of Owning a Car in Montana
How Montana’s gas prices, electricity rates, sales tax and insurance costs affect what you’ll typically pay to own a vehicle.
Montana at a glance
Gas price
$3.55per gallon, illustrative averageElectricity
$0.11per kWh, illustrative averageSales tax
0.00%plus ~$110 average registrationInsurance in Montana runs close to the national average in this model, reflected as a 0.95× multiplier on our base class rates.
What drives the cost in Montana
Costs are held down mainly by sales tax (about $2,411 less over 5 years) and insurance rates (about $408 less over 5 years). (Figures are for a typical SUV compared with the average state.)
5-year cost by vehicle class in Montana
Uses real market-average vehicle prices per class (from our 152-vehicle MarketCheck pull) combined with Montana-specific tax, fee, fuel and insurance data.
Sedan
$31,3865-year estimate, $523/moSUV / crossover
$43,0235-year estimate, $717/moTruck
$44,9485-year estimate, $749/moElectric
$43,8225-year estimate, $730/moLuxury
$65,0235-year estimate, $1,084/moPopular vehicles: 5-year cost in Montana
2026 Toyota RAV4
$32,6185-year cost in MontanaFull breakdown →2026 Honda CR-V
$32,4465-year cost in MontanaFull breakdown →2026 Toyota Camry
$28,6875-year cost in MontanaFull breakdown →2026 Honda Civic
$25,0895-year cost in MontanaFull breakdown →2026 Ford F-150
$56,3285-year cost in MontanaFull breakdown →2026 Tesla Model Y
$34,5835-year cost in MontanaFull breakdown →2026 Chevrolet Equinox
$37,7685-year cost in MontanaFull breakdown →2026 Toyota Corolla
$25,1435-year cost in MontanaFull breakdown →EV vs. gas in Montana
At Montana’s $0.11/kWh electricity and $3.55/gal gas, charging a typical EV at home costs about $436 a year, versus about $1,374 a year to fuel a typical gas sedan — a savings of $939 per year. Run your own numbers with the EV vs. gas calculator.