How much car insurance do I need in Montana?

Learn about minimum insurance coverage requirements for vehicles in Montana, consequences for driving without insurance, and more.

In Montana, drivers must show "financial responsibility" in order to register and operate a motor vehicle in the state. One of the most common ways to establish financial responsibility is to purchase a car insurance policy. Whichever way you choose to demonstrate financial responsibility for a potential car accident in Montana (and we'll discuss other methods of doing so in the sections below), these are the minimum levels of responsibility you must establish:

  • $25,000 liability per person to cover bodily injuries and death caused by a car accident
  • $50,000 total liability coverage per accident, for bodily injuries and death, when more than one person is hurt, and
  • $10,000 to cover property damage (i.e. vehicle damage) caused by an accident.

Uninsured/Underinsured Motorist (UIM) Coverage in Montana

In Montana, car insurance companies must offer UIM coverage to consumers who are buying a car insurance policy. Drivers may reject this offer, but they must do so in writing. UIM coverage will increase your premium, but it may save you money (and stress) if you are ever in an accident with an at-fault driver who has insufficient coverage. To learn more about UIM coverage, check out our articles Uninsured Motorist Coverage and Underinsured Motorist Coverage.

Self Insurance and Surety Bonds

Instead of buying car insurance, Montana drivers can also satisfy the "financial responsibility" requirement through self-insurance or surety bonds. However, these methods do not function the same as insurance. For more information on these alternative methods, check out the official website of the Montana Department of Motor Vehicles.

What is the penalty for driving without insurance in Montana?

Driving without insurance in Montana is considered a misdemeanor. A first-time offender could be punished with a fine between $250 and $500, or up to 10 days in jail. A second-time offender will incur a minimum fine of $350 or 10 days in jail. Additionally, Montana has a point system for monitoring drivers with traffic violations. Each time you drive without insurance, it will cost you five points. Reach 30 points, and the state may revoke your driver's license.

For more information about the financial responsibility rules in Montana, check out Montana Auto Insurance Laws and Regulations.

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