Non-Owner Car Insurance in Montana
Numbers refreshed
Liability coverage for drivers in Montana who don’t own a car.
- $44.Average monthly cost for owner liability.
- 25/50/20.Minimum limits for liability.
- 37th of 51.The most expensive state (1st = highest).
Who this non-owner insurance suits
- You often drive borrowed or rented cars, but you don’t own one.
- Montana asks you to file an insurance certificate (MCA 61-6-133), although you don't have a car to cover.
- You want continuous coverage between cars because a gap can increase your next price
What the policy covers
A non-owner policy provides liability coverage only. It must meet Montana’s minimum limits of 25/50/20.
If you cause a crash while driving a borrowed car, it pays other people. The car you drive isn’t repaired under this policy. Its owner’s policy usually pays first.
What you pay
No official average exists for non-owner insurance. In Montana, the yearly liability average for owners is $530, while non-owner policies usually cost less because you don’t keep a car in your driveway daily
First written