montana car insurance

Welcome to our fact sheet on Montana car insurance. We delve into liability insurance requirements, optional coverages, and possible discounts for drivers in Big Sky Country.

Montana car insurance

Montana drivers are legally required to carry liability insurance with at least the following limits:

$25,000 of bodily injury coverage per person
$50,000 of bodily injury coverage per accident
$10,000 of property damage coverage per accident

You'll often see these limits written as 25/50/10.

Esurance in Montana

We don't currently offer car insurance to Montana drivers. But that doesn't mean we can't help you find the right policy.

Start your car insurance quote here.

Buying car insurance in Montana

Montana has 2 laws that regulate car insurance premiums.

If you're a Montana resident who is 55 or older and you complete a Department of Transportation-approved traffic safety program, you automatically qualify for a premium reduction. This is a state law that applies to all car insurance companies.

Montana also regulates accident surcharges. If you're involved in an accident that wasn't your fault and you submit a claim for damages, your auto insurance company cannot add a surcharge or raise your premium. If you suspect that your premium increased because of a not-at-fault claim you made for damages, contact the Department of Insurance at 1-800-332-6148.

Factors that could influence what you pay for your policy

Rating factors vary by company, but in general, the following could affect your car insurance rate in Montana:

Past driving claims
Driving record
Credit history
ZIP Code
Make and model of your car
Vehicle usage
Coverages, limits, and deductibles you choose
Discounts you qualify for
Age and gender

Optional car insurance coverages in Montana

With most insurance providers, you may be able to add the following coverages to your policy:

Collision coverage
Comprehensive coverage
Rental reimbursement coverage
Medical expense benefits coverage
Additional liability coverage
Uninsured/underinsured motorist coverage

Big car insurance discounts for Big Sky drivers

Depending on the insurer, the following discounts could be available to you:

Anti-theft device discount
Good student discount
Safe driving discount
Low mileage discount
Drivers education course discount

Keep an eye out for these money-saving discounts when you're shopping for a policy.

Alternative car insurance options

Drivers who can't find a car insurance policy through the voluntary market may be eligible for the Montana Automobile Insurance Plan, which is administered by the Western Association of Automobile Insurance Plans. A licensed agent can apply on a driver's behalf.

Proof of insurance

Montana requires you to carry proof of liability insurance while you're driving. When you buy your policy, your insurer will send you an insurance ID card that you can store in your car's glove box.

If you're caught driving an uninsured vehicle, you could receive a fine of at least $250, a 5-point penalty on your driving record, and up to 10 days in jail. Subsequent offenses are penalized more harshly.

Uninsured drivers in Montana

According to a recent report by the Insurance Research Council, 11 percent of Montana drivers were uninsured. That was slightly below the national average of 13.8 percent.

When you buy your policy, your insurer is required to offer uninsured motorist coverage. This coverage can come in handy after an accident caused by an uninsured driver.

montana car insurance