Alternative Montana car insurance options
Drivers who can't find a car insurance policy through the voluntary market may be eligible for the Montana Auto 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 Montana auto 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, points on your driving record, and even jail time. Subsequent offenses are penalized more harshly.
Uninsured drivers in Montana
According to the Insurance Research Council, about 14 percent of Montana drivers were uninsured in 2012. That was a little above the national average of 12.6 percent.
When you get your Montana car insurance quote, your insurer is required to offer uninsured motorist coverage. This coverage can come in handy after an accident caused by an uninsured driver or after a hit-and-run incident.