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
Personal 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

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