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Montana car insurance

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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
Details Features
Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
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Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
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Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
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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:

  • Comprehensive. Helps with repairs that are the result of something other than an accident — like vandalism or fire.
  • Collision. Pays for accident-related repairs to your car.
  • 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.


Bottom line

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.

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