Montana Car Insurance Regulations & Required Coverage

Montana car insurance regulations require all its drivers to maintain financial responsibility when operating a motor vehicle. Montana auto insurance laws were written in accordance with a tort system. Under this type of system, someone is held at fault for causing an accident and is then held responsible to pay for the damages they caused. Learn more in our free Montana car insurance guide below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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Montana requires all its drivers to maintain financial responsibility when operating a motor vehicle. The most common way of doing this is by getting car insurance coverage. Drivers caught without adequate proof can face stiff penalties and even time in jail. Knowing Montana insurance rules and regulations not only keeps you out of trouble, it can keep you and your passengers protected.

Montana insurance laws were written in accordance to a tort system. Under this type of system, someone is held at fault for causing an accident and is then held responsible (along with their insurer) to pay for the damages they caused. The specifics of a tort system can vary depending on the state.

Required Coverage

All personal vehicles in Montana require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage
Minimum Montana Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $10,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist Coverage

Comprehensive and collision insurance are optional, but very useful to have. Collision will pay to fix your car after it’s been damaged in an accident and comprehensive covers other non-accident related damages. These non-accident incidents can include fire damage, flood damage or even if your vehicle is stolen. We have compiled a list of the most stolen vehicles in Montana to give you an idea if your car is at risk.

Uninsured and underinsured insurance protects you in the event that someone without enough coverage (or any at all) 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.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy
  • Post a bond with a state licensed company
  • Post cash or securities in the amount of $55,000 with the state Treasurer
  • Self insurance – for owners of 26+ vehicles

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card
  • Certificate of insurance
  • Proof of your bond
  • Certificate of Deposit showing cash or securities posted with the Treasurer
  • Certificate of self insurance

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • When registering or renewing your vehicle’s registration
  • Anytime you are operating a vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance, you can face the following penalties:

  • First offense – Fines between $250 and $500 and/or 10 days in jail
  • Second offense – Minimum fine of $350 and/or 10 days in jail plus suspension of your registration for 90 days
  • Third and subsequent offenses – Minimum fine of $500 and/or 6 months in jail plus suspension of your registration for 180 days
  • Fourth and subsequent offenses – In addition to above penalties, your driver’s license will be immediately suspended
  • Applicable reinstatement fees

Montana Insurance Agents

Billings Car Insurance | Missoula Car Insurance | Great Falls Car Insurance | Bozeman Car Insurance | Helena Car Insurance | Kalispell Car Insurance | Butte Car Insurance | Columbia Falls Car Insurance | Evergreen Car Insurance | Miles City Car Insurance

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