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.
Electronic proof of insurance in Montana
In the unfortunate event that you're pulled over, keep in mind that Treasure State residents can present digital ID cards on their phones, tablets, or other smart devices as legitimate proof of car insurance.
And Esurance's super handy mobile app makes everything a breeze. You can pull up current ID cards, make a payment, manage your policy, and more — all with the swipe of your finger.
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. 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.
When you get your Montana car insurance quote, your insurer is required to offer you uninsured motorist coverage — which can financially protect you if you're involved in an accident with an uninsured driver or after a hit-and-run incident.