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Auto Insurance Requirements In Montana

Montana Auto Insurance 

According to the Montana state law, all motorists applying for vehicle registration in Montana are required to have valid vehicle liability insurance.

This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request. 

While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Montana law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in Montana

Montana law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person
  • $50,000 because of bodily injury to or death of two or more persons in any one accident
  • $20,000 because of injury to or destruction of property of others in any one accident.

Montana Insurance Verification System (MTIVS)

MTIVS uses information from Montana vehicle registration records and from insurance companies that write policies in Montana to access up-to-the-minute data to confirm if a vehicle has minimum liability insurance coverage.

Penalties and Violations

If you are caught driving without insurance in Montana, it is a misdemeanor criminal citation. This means that in addition to fines between $250-$500, you could face 10 days of jail time, plus it could cause you to lose your license.  

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Just fill out this easy form to get started!