Car Insurance in Montana

Compare Auto Insurance in Montana

Montana Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $10,000 property damage
  • Click here for more auto insurance minimums in Montana.

Montana DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Montana.

Montana SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Montana.

Montana Hands-Free Laws

  • The Montana legislature is not currently considering any cell phone/texting laws.
  • Montana House Bill 49 was meant to prohibit distracted driving but failed to pass.
  • Click here for Hands-Free laws in Montana.

Montana Teen Auto Insurance

  • Montana utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • The GDL is intended to minimize high-risk situations for inexperienced drivers.
  • Click here to learn all you need to know about Montana teen driver laws.

Montana has a thriving auto insurance market which provides its citizens with competitive rates for auto insurance coverage. Unfortunately, many of Montana’s motorists do not carry the required coverage mainly due to dangerous driving habits and low wages.

When you are involved in an auto accident and found to be responsible, it is extremely important to have the proper insurance coverage. Most people know and understand that driving without insurance is not an option. Not only is it dangerous, it is also illegal. In Montana you can be fined for driving without insurance in an amount anywhere from $250-$500. Your vehicle can be seized and you can be sentenced to jail.

If you are deemed responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Montana requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $10,000 total for property damage, per accident

It’s important to remember that these amounts are the minimum required by law. Most insurance experts recommend that you consider purchasing higher amounts of coverage to protect yourself financially. If you don’t have the proper amount of coverage and are held responsible in an accident, your home, savings, future wages, and all other personal assets can be at risk in order to cover the costs of accident-related medical bills, property damage, and lawsuits.

Your auto insurance agent is a knowledgeable and trusted source for information regarding your state’s minimum requirements. Your agent can also offer sound and practical advice when it comes to selecting other types of auto insurance coverage to protect yourself financially. These may include Collision Coverage and Comprehensive Coverage. Also, with estimates that approximately 20%-30% of Montana’s motorists remain uninsured, you might want to consider adding Uninsured Motorist Coverage to your overall policy.

For any other concerns or questions, please contact:

Montana Department of Insurance

840 Helena Avenue
Helena, MT 59601
(406) 444-2040
(800) 332-6148 Toll Free Instate

Montana Car Insurance Agents

If you live in Montana and are looking for an auto insurance agent to help you with your insurance needs, you’ve come to the right place.

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers. They also understand that their clients need and deserve this coverage at a reasonable cost that doesn’t break the family budget.

A qualified Montana Auto Insurance agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on your agent to stand by you when you have a claim and to always make sure your policy is up-to-date and continues to meet the needs of your changing lifestyle.

If you would like to receive a quote from a qualified agent, please use our Agent Locator. It offers an extensive list of professional agents in your local area.

Tips to saving money on your insurance premiums

  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • If you have a teenage driver in the family, ask about a good student discount.
  • Maintain a clean driving record. This can add up to big savings when buying auto insurance.
  • If you don’t put a lot of miles on your car annually, ask about a low-mileage discount.
  • Improve your credit score. Many insurance companies use your credit score to determine the cost of your premium. Be sure to check your score before applying for new insurance to make sure it is accurate and up-to-date.

You can be confident that when you work with a professional insurance agent you are getting a comprehensive auto insurance policy that is tailored specifically to your needs and budget. Being aware of these money-saving tips can add up to even more savings for you!

Are you a resident of Montana and interested in saving money on Montana auto insurance and seeking out ways to minimize the amount of cash you must spend? While the current car insurance rates seem reasonable, there are still savings to be had in terms of premiums. So where does a resident of Montana turn when they want to rake in savings on their yearly car insurance payments? can help – we aim at helping the driving consumer to save as much money as possible on auto insurance costs.