Compare quotes and get the policy you need for the best price.
Enter your ZIP code below and click Compare now to see the best rates in your area.
Your information is secure.
Car insurance can be expensive. But going without is not an option in most states. Montana has its own requirements for its drivers — some states require lots of coverage, while other states require only liability.
If you plan to get behind the wheel in Montana, you’ll need to carry at least liability insurance before you hit the open road. To save money on your car insurance, find a provider that offers the coverage you need for a price you can afford.
Compare car insurance providers in Montana
Rates last updated February 18th, 2018
Driving requirements in Montana
Every driver in Big Sky Country is required to carry minimum insurance coverage that includes at least:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability total per accident.
$10,000 property damage liability total per accident.
When shopping for car insurance in Montana, you’ll likely see this coverage written as 25/50/10
Many states require drivers to carry uninsured or underinsured motorist coverage (UM/UIM). Though Montana doesn’t require it, UM/UIM could protect you if you have an accident with someone who doesn’t have enough insurance to cover the damages.
Optional coverage in Montana
Insurance companies offer additional coverage to better protect you on the road, including:
Additional liability. Helps with damages due to an accident when you’re at fault.
Rental coverage. Covers costs for a rental, if you need one after an accident.
Medical expense payments. Covers costs associated with injuries from a car accident, regardless of fault. It could also cover funeral costs for passengers in your vehicle.
What happens after an accident in Montana?
With hope, you won’t experience any accident in Montana firsthand. But if you do, it’s best to stay calm and assess the situation before notifying your insurance company.
Safety first. Confirm that all involved parties are safe. If anybody is injured, call the police immediately.
Exchange information. Get the complete name, contact info and insurance policy details from other drivers. Note car types, colors, models and license plate numbers, as well as the exact location of the accident.
Notify your insurance agent. Before you’ve left the scene, call your local agent. They can guide you through any bumps along the claims process.
Document the scene. Take pictures, paying special attention to capturing multiple angles of the damage. Take down the names of police officers and any potential witnesses to better protect your claim.
To further protect yourself, avoid admitting fault to other drivers. Suggesting that you caused the accident could result in your provider refusing to pay your claim.
Who’s at fault after the accident?
Montana is an at-fault state — meaning the person at fault is responsible for all medical expenses of anyone injured in the accident. Insurance claims are typically paid out:
If you’re injured in an accident you caused. Your health insurance or medical coverage through an auto policy may cover your expenses up to policy limits.
If you’re injured in an accident caused by another driver. That driver’s liability coverage may help cover your medical bills.
What if I don’t have insurance?
Make sure you carry proof of your insurance plan with you — including digital versions on any smart device. It’s a misdemeanor to drive without insurance.
Depending on your number of offenses, you could:
Pay from $250 to $500 in fines.
Serve up to six months in jail.
Have your license suspended until you can produce proof of insurance.
Be required to file for an SR-22.
How do I report an accident in Montana?
You must report all accidents that result in more than $1,000 in damages or cause death or injury. Submit an accident report in writing within 10 days of the accident to the Montana Motor Vehicles.
Uninsured drivers statistics
Nearly 14% of Montana drivers don’t have insurance — that’s a little above the 12.6% national average. To fully protect yourself, it’s a good idea to include underinsured coverage with your policy.
Insurance protects you, your passengers and the drivers around you. If you plan to drive in Montana, be sure to carry the minimum liability required. To find the best coverage for the best prices, compare your options.
Find the cheapest quote
Enter your ZIP code below and click Compare Now to start comparing and finding the cheapest rates near you.
Your information is secure.
Common questions about auto insurance in Montana
Each car insurance provider and policy varies, but most policies look at your driving record, age, how much you drive and your car’s year, make and model.
Everyone in Montana has the right to carry insurance. If you can’t find a car insurance policy through traditional channels, check Montana’s Auto Insurance Plan (MAIP), administered by the Western Association of Automobile Insurance Plans. Any licensed agent can process a MAIP application on your behalf.
It could. Insurers have the right to cancel car insurance policies at any time, although most providers reserve cancellation for drivers who file multiple claims in a short time or engage in risky driving behaviors that result in multiple tickets or DUI/DWIs.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, we may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.