Montana Car Insurance Requirements (2025)
Understand Montana car insurance requirements and make informed decisions. Our comprehensive guide provides essential information on minimum coverage, liability limits, and additional options, helping you navigate the complexities of car insurance in Montana with confidence. Trust our reliable insights to ensure you have the right coverage for your needs without any unnecessary sales pitches.
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Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Justin Wright
Updated January 2025
Welcome to our comprehensive guide on Montana car insurance requirements. If you’re a driver in Montana, understanding the insurance regulations is crucial. In this article, we will cover key topics such as the minimum coverage required by law, liability limits, additional options to consider, and other important factors that can affect your car insurance in Montana.
Whether you’re a new driver or a long-time resident, this information will help you make informed decisions about your insurance needs. Ready to find the best insurance provider and rates for your specific situation? Enter your ZIP code now to compare rates from top insurance companies and ensure you have the right coverage at the best price.
Required Coverage
All personal vehicles in Montana require the following liability coverage requirements:
- Bodily Injury
- Property Damage
| Minimum Montana Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $10,000 Limit | ||
Additional insurance coverage can include:
- Comprehensive and Collision Coverage
- Uninsured / Underinsured Motorist Coverage
Comprehensive and collision insurance are optional, but very useful to have. Collision will pay to fix your car after it’s been damaged in an accident and comprehensive covers other non-accident related damages. These non-accident incidents can include fire damage, flood damage or even if your vehicle is stolen. We have compiled a list of the most stolen vehicles in Montana to give you an idea if your car is at risk.
Uninsured and underinsured insurance protects you in the event that someone without enough coverage (or any at all) involves you in an accident. If they are found to be at fault but aren’t covered, your insurance company will compensate you for the damages.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Post a bond with a state licensed company
- Post cash or securities in the amount of $55,000 with the state Treasurer
- Self insurance – for owners of 26+ vehicles
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Certificate of insurance
- Proof of your bond
- Certificate of Deposit showing cash or securities posted with the Treasurer
- Certificate of self insurance
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- After an accident
- When registering or renewing your vehicle’s registration
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- First offense – Fines between $250 and $500 and/or 10 days in jail
- Second offense – Minimum fine of $350 and/or 10 days in jail plus suspension of your registration for 90 days
- Third and subsequent offenses – Minimum fine of $500 and/or 6 months in jail plus suspension of your registration for 180 days
- Fourth and subsequent offenses – In addition to above penalties, your driver’s license will be immediately suspended
- Applicable reinstatement fees
Montana Insurance Agents
Billings Car Insurance | Missoula Car Insurance | Great Falls Car Insurance | Bozeman Car Insurance | Helena Car Insurance | Kalispell Car Insurance | Butte Car Insurance | Columbia Falls Car Insurance | Evergreen Car Insurance | Miles City Car Insurance
Frequently Asked Questions
What are the minimum car insurance requirements in Montana?
In Montana, the minimum car insurance requirements are liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
Is it required to have uninsured motorist coverage in Montana?
Uninsured motorist coverage is not required in Montana, but insurance companies must offer it as an option for drivers who wish to purchase it.
What is the penalty for driving without car insurance in Montana?
Driving without car insurance in Montana can result in a fine of up to $500 and/or up to 10 days in jail for a first offense. Repeat offenders can face steeper fines and longer jail sentences.
Are there any additional car insurance requirements in Montana?
Montana also requires that all drivers carry proof of insurance in their vehicles at all times and present it upon request by law enforcement. Additionally, insurance companies are required to notify the Montana Motor Vehicle Division if a driver cancels or fails to renew their insurance policy.
What other types of car insurance coverage are available in Montana?
In addition to liability coverage, Montana drivers can also purchase optional coverage such as collision coverage, comprehensive coverage, and personal injury protection (PIP) coverage. Collision coverage pays for damages to your vehicle in the event of an accident, while comprehensive coverage covers non-collision damage like theft, vandalism, or weather-related damage. PIP coverage can help pay for medical expenses and lost wages if you or your passengers are injured in an accident.
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