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Car Insurance in Montana (Updated May 2024)

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Montana Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Montana specifically, drivers are paying 23% more for car insurance than the national average, with Full Coverage costing Montana drivers an average of $233 per month

Similar to other states, the rates in Montana can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Montana. Read on to learn more about properly insuring your car in Montana. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Montana Car Insurance Laws

Under Montana law, a vehicle must be covered by a liability insurance policy meeting the state's minimum coverage limits.

Montana’s car insurance minimums are:

  • $25,000 for bodily injury or death of one person in any single accident
  • $50,000 for bodily injury or death of two or more persons in any single accident
  • $20,000 for injury to or destruction of property of others in any one accident

Compared to the national average, Montana's requirements provide a balanced approach to insurance coverage, aiming to safeguard individuals from the significant costs associated with vehicle accidents.

Proof of Insurance

Montana's law does not specify any grace periods for obtaining insurance upon purchasing a new or used vehicle. ” 

The penalties for driving without proof of insurance in Montana are clear and intended to discourage this risky behavior. Motorists caught without valid insurance face fines ranging from $250 to $500 for a first offense, escalating to $350 for a second offense, and $500 or up to 10 days in jail for subsequent offenses. 

Repeat offenses also lead to the surrender of the vehicle's registration and license plates, with a suspended registration that can only be reinstated upon proving insurance compliance. After a fourth conviction, the driver's license is suspended until compliance with insurance requirements is demonstrated.

Additionally, the introduction of the Montana Insurance Verification System (MTIVS) represents a leap forward in ensuring compliance with these insurance mandates. MTIVS allows for real-time verification of a motorist's insurance status. This system aids in enforcing the law and streamlines the process for drivers, who can verify their insurance status online using the system.

Montana's law does not specify any grace periods for obtaining insurance upon purchasing a new or used vehicle, implying that insurance should be secured before driving the vehicle to avoid any period of non-compliance.

Additional Coverage for Montana

The state's diverse climate and terrain may influence individual decisions to opt for more comprehensive insurance policies. Factors such as winter road conditions, wildlife, and the risk of natural disasters like wildfires might prompt drivers to consider coverage beyond the minimum requirements.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Montana?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Montana?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Montana?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.