Montana requires a fairly standard amount of car insurance, at $25,000 in bodily injury liability per person and $50,000 in bodily injury liability per accident. So if you harm anyone in an accident, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $20,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.
Car insurance companies in Montana also must offer a minimum of $25,000/$50,000 in underinsured/uninsured motorist protection (per person and accident, respectively). If the driver rejects this add-on to their policy, they must do so in writing. Considering the costs you might face if you’re involved in an accident with an uninsured driver, you might want to consider purchasing this coverage.