Montana Car Insurance Requirements
Numbers refreshed
Each Montana driver must carry the minimum coverage described here, which pays for the following.
- The average monthly cost for liability is $44.
- The minimum liability limits are 25/50/20.
- Cost ranking: 37th of 51 states, with 1st being the most expensive.
What is required in Montana
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $20,000 |
| Personal injury protection | Not required |
| Uninsured motorist | Not required |
| Underinsured motorist | Not required |
| Fault system | At-fault |
Source: Montana Commissioner of Securities and Insurance, Auto; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers pay for
You need at least 25/50/20 liability coverage in Montana. For each injured person, it provides $25,000. For everyone injured in one crash, it provides $50,000. Damage to other people's property is covered up to $20,000.
These limits often fall short of medical bills and the cost of a newer car. You may face claims for anything above these limits, leading many drivers to select 100/300/100 instead. The average annual cost of a liability policy in Montana is $530.
Driving with no insurance
You can lose your license and registration if you drive uninsured in Montana. You may have to submit proof of insurance for several years to get them back.
Contact the Montana Department of Justice, Motor Vehicle Division (MVD) with any questions.
More about car insurance in Montana
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