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Montana Car Insurance & Minimum Coverage Amounts

If you’re planning to register a vehicle in Big Sky Country, there are facts you need to know about Montana car insurance. There are 77 mountain ranges in this beautiful state, and to explore them all you’ll be required to carry car insurance.

In this guide, you’ll learn everything you need to know about driving legally in the Treasure State.

Montana Car Insurance Minimum Coverage

Whether you’re moving to Montana or already live there, you’ll need to register your car with Montana plates. To do so, you’ll be required to provide proof of insurance in the minimum coverages:

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident.
  • Property damage liability coverage: $10,000 per accident.
  • Uninsured and underinsured motorist coverage: $25,000 per person and $50,000 per accident.

Montana car insurance isn’t very unlike other states in the country in terms of its minimums. Remember, you can choose to purchase additional insurance such as towing or collision coverage. The protection you choose is up to you, so long as you’re carrying the minimum coverage.

What is the Average Cost of Car Insurance in Montana?

Buying insurance in Montana, you can expect to pay around what the average driver in other states pays. However, you can find premiums as low as $180 per year if you only want the minimum coverage.

The lowest-priced full coverage insurance plan we found in Montana was $752, but you can usually expect to pay around $1,181 per year.

Your monthly or annual premium amount will vary based on a number of factors including your credit score and driving history. The more infractions or accidents are on your record, the higher your insurance rate will typically be.

Why is Car Insurance So Cheap in Montana?

Insurance in Montana can be either very cheap or very expensive, depending upon where you live. Polson, for instance, has the highest property crime rate per capita in the whole nation. If you park your car there overnight, you’re likely to pay higher insurance premiums than in areas like Glendive.

Montana is 43rd in the nation in terms of population. That means there are fewer drivers on the road. This fact brings Montana car insurance premiums down a bit from where they otherwise might be if the state was more populated.

Lapses in Montana Car Insurance

Always ensure that you’re carrying at least the minimum car insurance if you’re driving in Montana. If you’re stopped by law enforcement and can’t provide proof of insurance, you can face fines and even jail time.

The fine you’re charged will depend upon the number of times you’ve been caught with no insurance. A first offense will usually cost you from $250 to $500. You can serve jail time of up to ten days.

Subsequent offenses will cost more money, and imprisonment can last up to six months! In short, be sure your insurance is current, and that you carry proof of insurance every single time you’re behind the wheel.

Best Auto Insurance in Montana

Montana drivers were polled to determine the best auto insurance in the state. The following companies were ranked the best for their coverages, customer service and affordable rates:

  • State Farm
  • Farmers Union
  • Nationwide
  • Farmers
  • Progressive

No two drivers are alike; be sure you shop around and find the insurance policy that works best for you and your driving record. It’s also to your benefit to ask your agent if any discounts apply to you. You may get a lower rate based on your affiliations or even your employer.

Driving in Montana

Whether you’re on the road to Glacier National Park, your favorite fly-fishing destination or to a weekend on the slopes, you’re going to need to drive to get there. Here are some facts you may not have known about driving in the state of Montana.

  • It’s illegal to drive with a sheep in your truck’s cabin without a chaperone in Montana.
  • In Whitehall, you’ll get a ticket if you drive with ice picks on your tires.
  • In Helena, it’s against the law to throw an object across a street.
  • Montana is in the top five of all the US states for drunk driving and speeding fatalities-it’s been ranked the third most dangerous state to drive in.

Conclusion: Car Insurance in Montana

Montana has a lot to offer, no matter the season. Be sure you’re able to explore Big Sky Country legally by keeping your Montana car insurance and your registration current and up to date.