How Much Car Insurance Do I Need in Montana?
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Minimum Car Insurance Requirements in Montana
Montana law requires all drivers to carry a minimum level of liability insurance. Here’s a breakdown of the state’s minimum coverage limits:
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability (Per Person) | $25,000 |
| Bodily Injury Liability (Per Accident) | $50,000 |
| Property Damage Liability | $20,000 |
This coverage ensures that if you cause an accident, medical bills and damages for the other party are covered. However, minimum limits may not be enough to protect your assets.
How Much Coverage Is Recommended?
While Montana’s legal minimums keep you compliant, financial experts recommend higher coverage to avoid paying out-of-pocket costs after an accident. A good rule of thumb is:
✅ 100/300/100 Coverage
- $100,000 per person for bodily injury
- $300,000 per accident for bodily injury
- $100,000 for property damage
This provides much better financial protection, especially if you’re involved in a serious accident.
Additional Coverage Options
Besides liability insurance, consider adding these coverages for complete protection:
- Uninsured/Underinsured Motorist Coverage: Covers damages if the other driver has no insurance or insufficient coverage.
- Comprehensive Insurance: Pays for theft, vandalism, and non-collision damages like hail or fire.
- Collision Insurance: Covers your car’s repairs if you hit another vehicle or object.
- Medical Payments (MedPay): Helps with medical bills regardless of fault.
How Much Does Car Insurance Cost in Montana?
Car insurance rates vary based on factors like age, driving history, and location. On average, Montanans pay:
| Coverage Level | Monthly Cost (Approx.) | Annual Cost (Approx.) |
|---|---|---|
| Minimum Coverage | $40 – $60 | $480 – $720 |
| Full Coverage (100/300/100) | $100 – $150 | $1,200 – $1,800 |
Best Way to Find Affordable Car Insurance in Montana
Since insurance rates vary, the best way to save money is to compare multiple providers. At Toby Hansen Agency, we check nearly 100 carriers to find you the lowest price with the most coverage.
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FAQ: Car Insurance in Montana
1. Is Montana a no-fault state?
No, Montana follows a fault-based system, meaning the at-fault driver’s insurance pays for damages.
2. What happens if I drive without insurance in Montana?
Driving without insurance can result in fines, license suspension, and higher future premiums.
3. Do I need SR-22 insurance in Montana?
You may need SR-22 insurance if convicted of DUI or other serious traffic violations.
4. Does car insurance cover hail damage in Montana?
Only comprehensive insurance covers hail damage.
5. How can I lower my car insurance rates?
- Bundle policies (home + auto)
- Maintain a clean driving record
- Increase deductibles
- Ask about discounts
Final Thoughts
To stay legally compliant in Montana, you need at least 25/50/20 liability insurance, but 100/300/100 is recommended for better protection. Get the best price by comparing quotes from multiple carriers. Fill out our free quote form below and let us find the lowest rate for you!
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