Montana Car Insurance Requirements in 2025 (MT Minimum Coverage Guide)
Montana car insurance requirements include 25/50/20 of bodily injury and property damage coverage. Your license can be discontinued if you fail to meet Montana car insurance laws. MT car insurance rates start at $14/mo. This guide will help you find the cheapest coverage that meets Montana car insurance requirements.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
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UPDATED: Apr 16, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 16, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
To meet Montana car insurance requirements, you need liability coverage of 25/50/20. MT car insurance rates start as low as $14 per month.
Failure to show proof of insurance can result in fines of $250-$500 and/or up to 10 days in jail–even for a first offense. Read our guide to answer the question, “Does Montana require car insurance?”
Montana Auto Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $20,000 per accident |
Get the best auto insurance coverage by comparing rates with the help of our guide. Enter your ZIP code now to learn more about Montana car insurance requirements.
- Montana law requires 25/50/20 in auto insurance coverage
- Your license could be suspended for not meeting Montana car requirements
- MT car insurance rates start at at $14 monthly
This Montana car insurance guide will help you learn how to drive legally in Montana and avoid potential penalties, fines, and license or registration suspension.
Montana Auto Insurance Requirements & What They Cover
In Montana, all personal vehicles must have liability insurance, with a minimum coverage of $25,000 for each person, $50,000 for every accident involving bodily injury, and $10,000 for property damage.
This type of coverage helps pay for any property damage or injuries if the insured driver is at fault. While these are the state-required minimums, many drivers opt for higher limits or additional coverage for better protection.
Read more: What does car insurance cover?
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Cheapest Car Insurance in Montana
If you’re looking for the cheapest car insurance companies in Montana, USAA consistently offers the lowest rates, followed by Liberty Mutual and State Farm. Monthly premiums vary depending on factors like city, age, gender, and driving record.
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18,154 reviewsFor example, drivers in Conrad and Cut Bank enjoy some of the lowest city rates at $69 and $68 per month, while cities like Billings can reach up to $90.
Montana Min. Coverage Monthly Rates by City
| City | Rates |
|---|---|
| Anaconda | $76 |
| Belgrade | $78 |
| Billings | $90 |
| Billings Heights | $76 |
| Bozeman | $88 |
| Butte | $79 |
| Conrad | $69 |
| Cut Bank | $68 |
| Frenchtown | $84 |
| Great Falls | $83 |
| Hamilton | $77 |
| Havre | $75 |
| Helena | $82 |
| Kalispell | $80 |
| Laurel | $72 |
| Lewistown | $74 |
| Livingston | $82 |
| Miles City | $71 |
| Missoula | $85 |
| Polson | $81 |
| Ronan | $70 |
| Sidney | $73 |
| Thompson Falls | $65 |
| Whitefish | $87 |
| Wolf Point | $67 |
Younger drivers, especially 17-year-old males, tend to pay the highest rates, while older drivers generally see lower premiums.
Car Insurance Monthly Rates In Montana By Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $620 | $670 | $230 | $250 | $190 | $200 | $175 | $185 |
 | $610 | $660 | $220 | $240 | $185 | $195 | $165 | $175 |
 | $590 | $640 | $220 | $240 | $185 | $195 | $165 | $175 |
 | $560 | $610 | $210 | $230 | $175 | $185 | $160 | $170 |
 | $650 | $700 | $240 | $260 | $200 | $210 | $180 | $190 |
 | $600 | $650 | $225 | $245 | $195 | $205 | $170 | $180 |
 | $580 | $630 | $215 | $235 | $180 | $190 | $160 | $170 |
 | $570 | $620 | $205 | $225 | $170 | $180 | $155 | $165 |
 | $600 | $650 | $215 | $235 | $180 | $190 | $160 | $170 |
 | $540 | $590 | $190 | $210 | $160 | $170 | $145 | $155 |
Among insurers, USAA stands out with the most affordable rates across most age groups and clean driving records—starting as low as $125 per month.
Car Insurance Monthly Rates in Montana by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $145 | $165 | $190 | $250 |
| $140 | $160 | $185 | $240 |
| $140 | $160 | $185 | $240 |
| $135 | $155 | $180 | $235 |
| $150 | $170 | $200 | $260 |
| $138 | $158 | $188 | $245 |
| $142 | $162 | $192 | $252 |
| $130 | $150 | $175 | $230 |
| $138 | $158 | $182 | $238 |
| $125 | $145 | $170 | $220 |
However, your rates can increase significantly with a ticket, accident, or DUI, so maintaining a clean record or history is key to keeping your auto insurance costs low.
Penalties for Driving Without Insurance in MT
If you cannot show proof of insurance in Montana, you may face severe penalties. For a first offense, you could be fined between $250 and $500 and/or face up to 10 days in jail.
A second offense carries a fine of $350, up to 10 days in prison, and a 90-day suspension of your vehicle registration. A third or subsequent offense results in a minimum fine of $500, up to 6 months in jail, and a 180-day registration suspension.
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Your license will be suspended in addition to the previous penalties upon a fourth or subsequent offense. Reinstatement fees may apply to restore driving and registration privileges.
Read more: If you have an accident while driving with an expired license will insurance cover damages?
Additional Coverage Options in Montana
Comprehensive and collision insurance are optional but very useful. Collision will pay to fix your car after it’s been damaged in an accident, and comprehensive coverage covers other non-accident-related damages.
These non-accident incidents can include fire damage, flood damage, or even theft. We have compiled a list of the most stolen vehicles in Montana to show you whether your car is at risk.
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Uninsured and underinsured insurance protects you if someone without enough coverage involves you in an accident. If they are found to be at fault but aren’t covered, your insurance company will compensate you for the damages.
Enter your ZIP code to connect with Montana car insurance agents in Miles City to meet state standards.
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Frequently Asked Questions
What is the minimum liability coverage required for car insurance in Montana?
The minimum auto insurance needed for Montana includes liability coverage of 25/50/20, the base requirement under Montana auto insurance requirements and enforced by Montana car insurance laws.
What are the legal penalties for a first-time offense of driving without insurance in Montana?
Under Montana auto insurance laws, failure to maintain coverage—such as not meeting minimum car insurance in Montana—can lead to a $250–$500 fine and up to 10 days in jail for a first offense. Enter your ZIP code to see other legal penalties.
Which insurance company consistently offers the cheapest car insurance rates in Montana?
According to the Montana auto insurance guide, the best car insurance in Montana for affordability is often from Montana car insurance companies like USAA, Liberty Mutual, and State Farm.
Read more: USAA Reviews & Ratings
How do car insurance rates in Montana differ by city, and which cities offer the lowest rates?
When comparing auto insurance quotes in Miles City, drivers appreciate some of the most affordable rates. Car insurance in Miles City costs less on average than in major cities like Billings.
Why might a driver choose to purchase more than the minimum required coverage in Montana?
Although the minimum auto insurance needed in Montana meets basic requirements, many drivers choose more robust policies for better protection. Enter your ZIP code now to better understand the minimum required coverage.
What optional insurance coverages are recommended for Montana drivers?
The Montana auto insurance guide suggests adding comprehensive, collision, and Montana uninsured motorist coverage for drivers seeking better coverage than just the minimum car insurance in Montana.
Is uninsured motorist coverage mandatory in Montana, and what are the rules surrounding it?
While Montana auto insurance laws do not mandate uninsured motorist coverage, Montana car insurance laws require all insurers to offer it as an option within Montana auto insurance policies.
How do age and gender affect car insurance premiums in Montana, especially for young drivers?
Rates for auto insurance in Miles City and across the state vary significantly by age and gender. Auto insurance Montana trends show that young male drivers pay the highest premiums. Enter your ZIP code to see how age and gender affect your premiums.
What are the consequences of a second or third offense for driving without car insurance?
Under Montana car insurance laws, a second offense for not carrying coverage that meets Montana auto insurance requirements includes a $350 fine, jail time, and a registration suspension—penalties enforced even in smaller towns like Miles City.
How does having a ticket, accident, or DUI impact your insurance rates?
Even if you have the best car insurance in Montana, providers like USAA and car insurance companies in Miles City will raise your premiums significantly after a DUI, ticket, or accident, making it critical to compare car insurance quotes in Miles City and maintain a clean driving record.
Compare The Best Insurance Quotes In The Country
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.