Liability Car Insurance in Montana
Numbers refreshed
In Montana, the least expensive legal coverage: its price and what it excludes.
- $44.on average each month for liability coverage.
- Minimum liability limits are 25/50/20.
- 37th of 51.Cheapest state last, so 1st = highest.
What you pay for liability in Montana
In Montana, liability-only car insurance averages $530 a year, or about $44 a month. For liability, it ranks as the 37th most expensive state.
| Coverage in Montana | Per year | Per month |
|---|---|---|
| Liability | $530 | $44 |
| Collision | $386 | $32 |
| Comprehensive | $406 | $34 |
| Full coverage (all three) | $1,322 | $110 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay with the minimum
In Montana, liability coverage must be at least 25/50/20. The minimum is $25,000 for each injured person, $50,000 for everyone injured in one crash and $20,000 when other people's property is damaged.
Claims for other people are paid by your liability policy. You pay for repairs to your car yourself unless you add collision coverage.
Any crash cost above your limits can be claimed from you. Buying higher limits usually costs far less than the extra protection you gain.
First written