How Much Car Insurance Do I Need in Montana?
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Minimum Car Insurance Requirements in Montana
State-Mandated Minimum Requirements
In Montana, you’re legally required to carry at least:
$25,000 bodily injury per person
$50,000 bodily injury per accident
$20,000 property damage per accident
You must also be offered uninsured/underinsured motorist (UM/UIM) coverage ($25,000/$50,000), though you can opt out in writing.
Other coverages like collision, comprehensive, and medical payments are optional but highly recommended for full protection.
Typical Costs in Montana
Liability-only policies: approx. $44–77/month ($528–924/year)
Full coverage policies: approx. $120–200/month (~$1,445/year)
Your exact premium depends on factors like your driving record, ZIP code, age, credit score, and vehicle type.
Recommended Coverage (Beyond the Minimum)
Most experts suggest:
Liability: $100,000 per person / $300,000 per accident
Property damage: at least $100,000
UM/UIM: Match liability limits
Comprehensive & Collision: Especially for newer or financed vehicles
Medical Payments (MedPay): Helpful even if you have health insurance
Choosing higher deductibles can reduce your monthly cost, though it increases what you pay out of pocket in a claim.
Why Minimum Might Not Be Enough
Serious accidents often exceed $50,000 in damages
Without collision/comprehensive, you’re not protected for your own vehicle
Lenders require full coverage for financed cars
UM/UIM protects you if hit by an uninsured driver
Minimum-only customers may be viewed as higher-risk, leading to higher future rates
Montana Insurance Snapshot
| Coverage Type | Minimum Required | Suggested Coverage |
|---|---|---|
| Bodily Injury (per person) | $25,000 | $100,000–300,000 |
| Bodily Injury (per accident) | $50,000 | $300,000 |
| Property Damage | $20,000 | $100,000 |
| UM/UIM | $25,000/$50,000 | Match liability |
| Collision & Comprehensive | Optional | Recommended |
| Medical Payments | Optional | $5,000–50,000 |
Tips to Lower Premiums
Bundle home and auto insurance
Raise deductibles
Keep a clean driving record
Consider pay-per-mile insurance if you drive less
Shop around and compare quotes regularly
Final Takeaway
Minimum required in Montana: 25/50/20 liability plus offered UM/UIM
Best practice: 100/300/100 with comprehensive and collision
Average cost: $528–1,445/year depending on coverage
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