Montana Auto Insurance

Posted by Harry Wagner

Are you on a mission to find cheap Montana car insurance? If you live in The Treasure State and you are tired of falling victim to annual rate increases, now is the time to enter your zip code in the field at the top of this page. By entering your zip code, you will be directed to a rate comparison tool where you can provide your personal information and receive auto insurance quotes from all of the top insurers in Big Sky Country. With this tool, you no longer have to invest a lot of time just to save money.

Montana Car Insurance Requirements and Laws

In Montana driving is a privilege, and to maintain the privilege, you must prove that you are financially responsible. While motorists do have the option to self-insure by making a cash deposit of $55,000 with the state treasurer, the average motorist will purchase liability insurance to satisfy state compulsory laws. Drivers who fail to establish financial responsibility in the state by making a cash deposit or purchasing auto insurance in MT will face serious punishments if caught driving without insurance. Some of the penalties assessed for driving without insurance in Montana include:

  • Citations, a mandatory court appearance, and a misdemeanor if convicted
  • Fines of up to $500 and/or 10 days in jail for first-time offense
  • 5 points of your license
  • Fines and a mandatory 90 day license suspension for second offense
  • Requirement to file an SR-22 with the DMV

Montana state officials set the minimum liability requirements for motorists in the state. Liability coverage will pay to cover damages and injuries that you cause in an at-fault accident. The minimums in Montana are as follows:

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $10,000 per accident

While Uninsured Motorist coverage is not a requirement, uninsured drivers have become a serious problem in Montana. Roughly 15% of drivers in the state are driving without coverage. In order to ensure that your damages and injuries are paid for, you should purchase Uninsured Motorist coverage.

Tips on Finding Cheap Car Insurance in MT

You do not have to purchase a basic policy just to keep your premiums for auto insurance in MT low. Here are just a few ways you can save money without lowering your coverage options:

  • Maintain a clean driving record
  • Provide the new insurer with a Letter of Experience to qualify for prior insurance discounts
  • Proof of licensing in another state for experience credits
  • Proof of odometer reading may qualify you for low annual mileage ratings
  • Complete a safe driver safety training course for a discount

Insurance is more than just a requirement, it is a necessity. Take your time to compare Montana auto insurance quotes by using the tool above and select a policy that provides protection and peace of mind. By shopping the rates, comparing different levels of protection, and comparing the features of each policy, you will find the coverage you need at a price you can afford.