Montana Car Insurance Guide
Whether you’re driving to work in Billings or taking the scenic Going-to-the-Sun Road in Glacier National Park, affordable auto insurance coverage can help protect you, your loved ones, and your vehicle on every Montana adventure. Take a few minutes to learn about cheap car insurance in Montana, including which coverages are mandatory and which are optional. EagleWay Auto Insurance can help you find a plan that fits your needs. Get a free quote to see how much you can save.
Do You Have to Have Car Insurance in Montana?
Montana requires drivers to carry a car insurance policy that at least meets the state’s minimum liability coverage limits. These limits are typically expressed as three numbers representing thousands of dollars. For example, Montana’s liability limits are 25/50/20.
Montana Minimum Car Insurance Requirements
| Coverage Type | Required by Law | Limits |
|---|---|---|
| Bodily Injury Liability – Pays for medical expenses and legal services if you injure someone in an accident. | Yes | $25,000 per person / $50,000 per accident |
| Property Damage Liability – Pays for damage to other people’s property. | Yes | $20,000 per accident |
| Uninsured Motorist – Pays for medical bills if the other driver has insufficient or no coverage. | Not required (coverage must be offered but can be rejected) | – |
| Medical Payments (Med Pay) – Pays for your medical expenses regardless of fault. | Not required | – |
| Collision – Pays to repair or replace your vehicle after a collision. | Not required¹ | – |
| Comprehensive – Pays for non-collision damage like fire, flood, vandalism, or animals. | Not required¹ | – |
¹May be required by your lender if you lease or finance your vehicle.
Important: Minimum liability coverage satisfies Montana’s legal requirements, but additional coverages like collision, comprehensive, and uninsured motorist are recommended for full protection.
Additional Coverage Options
- Roadside Assistance*
- Towing & Labor Coverage
- Rental Reimbursement Coverage
Proof of Financial Responsibility and Penalties
Montana enforces strict penalties for driving without insurance. Violations can result in fines up to $500, potential jail time, and suspension of your license or registration, depending on the offense.
Penalties for Driving with a Suspended License
Operating a vehicle without a valid license in Montana can result in fines, potential jail time, and an extended suspension or revocation period.
SR-22 Insurance in Montana
High-risk drivers may be required to file an SR-22 if they commit serious violations, fail to maintain proper coverage, or are convicted of a DUI/DWI. EagleWay Auto Insurance can assist with SR-22 filings and guide you toward appropriate coverage.
High-Risk Auto Insurance
Drivers with multiple violations or serious infractions may be considered high-risk. Non-standard insurance is available to provide protection for these drivers. EagleWay Auto Insurance helps find quality, affordable coverage regardless of driving history.
Finding the Cheapest Car Insurance Rates in Montana
Car insurance costs depend on coverage type, vehicle, driving habits, location, demographics, driving record, and credit history. EagleWay Auto Insurance helps drivers find affordable coverage. Get a free quote online or speak with an EagleWay agent to create a plan that meets state requirements and your budget.