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montana car insurance

Get the lowdown here on Montana auto insurance. We'll delve into liability insurance requirements and optional coverages, help you start a Montana car insurance quote, and reveal savings opportunities as limitless as a Big Sky State horizon (give or take a stratosphere or two).

While we don't currently offer car insurance in Montana, that doesn't mean drivers in your neck of the frontier have any reason to frown.

After all, by getting a quote with us, we can still help you compare rates among leading companies in your state and find the right policy, chock full of all the great service, broad coverages, and Montana car insurance discounts we want all drivers in your state to enjoy.

Car insurance coverages in Montana

Required coverages

Montana drivers are legally required to carry liability insurance on their Montana car insurance policies 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. If you want more coverage, you can opt for higher limits when you get your Montana car insurance quote.

Optional coverages

With most insurance providers, you may be able to add the following coverages to your policy when you get a Montana car insurance quote:

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

Buying car insurance in Montana

Montana auto insurance premiums are regulated by 2 laws:

  1. 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 Montana car insurance companies.
  2. 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 Montana 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 Montana auto insurance

Rating factors vary by company, but in general, the following could affect your rates for car insurance 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

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.

Insurance info for drivers

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 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 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.

Related links

The Esurance Coverage Counselor®
Head here for customized guidance on choosing the right car insurance coverage for your needs.

Montana Commissioner of Securities & Insurance
The official website of the Montana Commissioner of Securities & Insurance.

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