Montana Auto Insurance Guide - Everything You Need to Know About Auto Insurance in Montana

 Montana Auto Insurance Guide - Everything You Need to Know About Auto Insurance in Montana

What are the minimum coverage requirements for auto insurance in Montana? How can I find the cheapest auto insurance premiums in Montana? What are the best auto insurance companies in Montana? Go to MT Auto Insurance Questions Read our answers to learn how to find the best Montana car insurance for your specific needs.

Penalties for not having auto insurance in Montana

Do you know what it means to not have car insurance in Montana? For Montana drivers, this is a misdemeanor and carries fines of up to $500 and 5 points on your driver's license (30 points on your Montana driver's license means your driver's license is automatically stopped). As an added bonus, his 10 days of free leave in county jail.

If he doesn't learn it the first time, Montana will fine him higher than the first time, or even put him in jail for 10 days. Additionally, his driver's license is revoked for 90 days.

montana tort motor insurance law

Montana operates under a tort system when it comes to motor vehicle accidents. In order to claim damages for a traffic accident, you must prove that you caused the accident. Each state with a rogue auto insurance system operates slightly differently, so the best place in Montana to learn about the state's minimum auto insurance requirements is to contact the Montana State Comptroller in Helena 

Montana Minimum Insurance Coverage Requirements

Montana law requires a minimum of $25,000 per person, and he must have personal injury insurance of $50,000 per accident. Automobile liability insurance covers medical expenses for everyone in your vehicle in the event of an accident.

The Montana resident is also required to have her $10,000 auto insurance policy for property damage. Property damage coverage covers all property damage resulting from an accident, including damage suffered by other drivers.

Please note that these are only the minimum requirements for Montana. That number could grow rapidly as car repair and medical costs rise. We recommend significantly increasing these levels of coverage, as any costs not covered by your insurance are your personal responsibility.

Optional Auto Insurance Coverage in Montana

Although not required by Montana law, it is recommended that you purchase collision and collision insurance. Collision is paid if you damage your vehicle in the event of an accident. A Collision Damage Waiver pays for repairs up to the vehicle's Blue Book value. If the repair costs exceed the Blue Book value, the car will be considered scrapped and you will receive the car's cash value. For this reason, many lenders require that all vehicles purchased with auto loans come with comprehensive auto insurance.

Underinsured/underinsured insurance is not required in Montana, but is highly recommended. This type of car insurance also protects you in the event of an accident with an uninsured or underinsured driver. This type of coverage can also help pay for medical bills and car repairs after an accident involving one of these drivers.  

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