Auto insurance laws in Montana operate under what is known as a tort system.  In a tort system, a driver is responsible for any damages caused by an accident if they are deemed responsible for the accident.  For this reason, drivers are legally required to carry liability insurance.  Liability insurance pays for damages to people and/or property caused by an accident.  Every vehicle must be insured with liability insurance and driving without insurance is considered a misdemeanor.

Q: “What is the minimum amount of auto insurance coverage that I need in Montana?”

Montana requires every driver to carry minimum liability insurance in the amounts of $25,000 for any single personal injury, $50,000 for injury of two or more persons, and $10,000 for any property damage involved.  This is commonly seen on an insurance policy as 25/50/10.  Montana does not require any other insurance, but in the case of a new or expensive car, other policies might be required by lien holders.

Compare Montana Car Insurance Rates Online

Insurance rates in Montana run fairly cheap compared to nationwide.  However, the more informed you are, the better deal you get!  At autoinsurancebystate.com you can receive multiple rates from the top insurance companies with just your zip code.  Make sure you get a good deal and shop around.

Current Providers in Montana

For More Information

Montana State Auditor
840 Helena Ave.
Helena, MT 59601
Phone: (800) 332-6148