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Montana Auto Insurance

Montana auto insurance laws are fairly straightforward. But understanding your coverage is still important.

This guide:

Explains Montana auto insurance laws and requirements

Describes how Montana car insurance rates are set

Shows you how to save money with multiple quotes


See How Much You Could Save:


Save $300-400 or more with discount rates from all major auto insurance carriers, as well as local companies in Montana.

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Montana car insurance laws

Montana is a tort state, which means that drivers are financially responsible for the damage and injury they may cause during an auto accident. Liability coverage helps insure you against these costs, and it is required in Montana.

Montana auto insurance laws require liability coverage of 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for any damage that you cause to the other driver's car and/or property.)

However, these are only minimums, and higher levels of protection are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.

Montana auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.

You may want to consider purchasing any or all of these coverages, especially uninsured and underinsured motorist coverages. These policies help cover the cost of your injuries and property damage should you be struck by a driver with inadequate liability insurance.


How Montana auto insurance rates are set

For better or for worse, the price of Montana auto insurance is decided by the behavior of the state's drivers as a whole. Montana auto insurance companies take the cost of providing insurance for Montana drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.

But these costs aren't spread around evenly. Instead, Montana car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.

Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote you different rates.

What this means for you, as an Montana driver, is that you need to shop around. It's the fastest easiest way to save on an Montana auto insurance policy.

Fortunately,shopping around is easy to do online.

Where to get Montana auto insurance quotes.

The following web sites will help you find Montana car insurance quotes: (these links will open in a new window)


ComparisonMarket is the best online insurance shopping service. This is the site to visit first when you're looking to save $$$ on top-rated coverage.

Netquote is a service that provides rates directly from local agents, who can help you set-up a personalized quote.

Geico - Like the gecko says: "15 minutes could save you $300 or more on your auto insurance".

Get quotes by ZIP Code. Enter your ZIP below to get a quote from a provider right in your neighborhood:

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To speed things up, you might wish to have some information required for an online quote ready before you begin.

More MT car insurance advice and help

If you want more help designing your MT auto insurance policy, read our guide to setting safe and reasonable car insurance coverage levels. It contains loads of money-saving tips, too.

To find out more about MT auto insurance laws and regulations, visit the state's official website of the Montana State Auditor's Office.



Want to learn even more?

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This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.