As a “Tort” state, Montana drivers are financially responsible for any and all property damage and bodily injuries caused by an auto accident for which they were found to be at fault. For this reason, the insurance laws require for you to carry liability insurance minimums of 25/50/10 (see the chart below) in order to operate a motor vehicle.
At this point in time, it isn’t mandatory for operators of motorcycles to carry liability coverage, but it is highly recommended.
The extra protection of add-ons to your Montana auto insurance policy is available to help care for you and your assets, such as collision, comprehensive, uninsured/underinsured motorists, as well as medical payments.
If you have a loan on your vehicle, your financial institution will probably require a few of the add-ons to your policy before they will give you the loan.
|Coverage Type||Required?||Minimum Coverage Amount Required|
|Bodily Injury Liability||Yes||$25,000 per person
$50,000 per accident
|Property Damage Liability||Yes||$10,000|
|Uninsured Motorist Bodily Injury||Yes||$25,000 per person
$50,000 per accident
|Underinsured Motorist Bodily Injury||No|
Auto Insurance for Leased Vehicles in Montana (MT)
Most leasing companies in Montana typically require drivers to maintain insurance coverage which exceeds the minimums set by Montana state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000
- Comprehensive and collision coverage: $500 maximum deductible
Insurance Agents By City/Town In Montana
- Billings, MT – Cheap Car Insurance
- Bozeman, MT – Cheap Car Insurance
- Great Falls, MT – Cheap Car Insurance
- Missoula, MT – Cheap Car Insurance
Montana Insurance Contacts
|Montana Motor Vehicles Division
Department of Justice
Scott Hart Building, Second Floor
303 North Roberts
PO Box 201430
Helena, MT 59620-1430
|Montana State Auditor’s Office
840 Helena Ave.
Helena, MT 59601