Car Insurance in Montana
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Montana Car Insurance Quotes
Despite being one of the most sparsely populated states, Montana's car insurance rates are higher than other locations. That's partly due to its mountainous terrain and severe winter snowstorms, which can make driving particularly hazardous. On average, Montana drivers pay $233 monthly for insurance coverage, compared to the national average rate of $189 — a 21% difference.
Other elements, including the driver's age and driving history, consumer profile, vehicle type, and available discounts, can impact insurance rates. We considered those factors in our analysis.
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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.
Cheapest Insurance in Montana
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Montana.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | Nationwide | $88 |
| 2 | State Farm | $89 |
| 3 | USAA | $92 |
| 4 | Geico | $136 |
| 5 | Progressive | $182 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
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
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🔍 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.