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Montana car insurance

Montana Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Montana mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Under Montana law, driving without insurance is considered a misdemeanor carrying a fine $250 to $500 and 10 days imprisonment for a first offense. A second offense carries a minimum fine of $350 and 10 days imprisonment and a 90-day license suspension.

Offenders will also collect 5 points on their license. 30 points or more means a license is automatically revoked.

Montana Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Montana they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000

Montana Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Montana does not require this coverage.

No Fault Insurance
In Montana, you are not required to carry no-fault insurance. Montana is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.