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Montana Car Insurance Information

Requirement : Yes

Car insurance is required in Montana . Drivers must have a minimum of liability coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability insurance coverage is required:

    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.
    • $10,000 for property damage liability per accident.

Other Car Insurance Coverage Options:

Liability coverage is the only requirements for Montana motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • Uninsured/underinsured motorist coverage must be offered as part of your liability insurance, but can be waved.

  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:

    • $55,000 cash or securities deposit with the state comptroller.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. The insurance company (provider) will give you an insurance card as proof of insurance.

  • Valid forms of proof of insurance:
    • Insurance card.
    • Copy of insurance card.
    • Letter from insurance carrier.
    • Certification of financial responsibility.

The card will include:

  • Vehicle’s information:
    • Make
    • Model
    • Year
    • Safety Rating
    • Value
  • Your policy name & name of any other drivers insured under the policy.
  • The policy term’s expiration date.
  • A new policy card will be provided every time you renew your car insurance policy.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $250 - $500 fine for first offense.
      • 10 days in jail
    • $350 fine for second offense within 5 years.
      • 10 days in jail
      • Suspension, and revocation of vehicle registration, and license plates until proof of compliance is furnished.
    • $500 for subsequent offences within 5 years.
      • Up to 6 months in jail.
      • Suspension, and revocation of vehicle registration, and license plates until proof of compliance is furnished.
      • Suspension and revocation of driver’s license.

Credit Scores & Determining Your Insurance Premium :

All Montana drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Western Association of Automobile Insurance Plans (WAIP).


Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Year, make, model of car
  • Neighborhood or city of residence
  • Deductible

Discounts : Yes

Discounts available in Montana:

  • Good student discount
  • Good driver discount
  • Homeowner discount
  • Multi-car discount
  • Anti-theft discount
  • Safety-device discount

Cellphone Use:

There is currently no cell phone ban for drivers.

Montana Minimum Coverage Laws

Carriers in Montana

Full Insurance Laws for Montana