Montana Car Insurance FAQ - Quick Answers

On average, Montana drivers pay $2,476 a year for car insurance. This is significantly more expensive than the national average cost of $1,311 annually. Shopping around for the lowest rates has the potential to save you premium dollars.

Your Montana car insurance policy comes with automatic and optional coverages, and the most commonly used are listed below:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for a collision with an unavoidable object such as an animal.
  • Collision: Pays for a collision with another vehicle, animal, or property.

Montana is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of repairing damage and treating injuries. As a Montana driver, you are required to have the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability

In Montana, 9.9% of the driving force is currently uninsured. Fortunately, if you include uninsured motorist coverage in your auto insurance policy, you can have the protection you need right away if an uninsured driver hits you. This optional insurance pays for your medical expenses and property damage if you are in an accident and the at-fault driver is uninsured or underinsured. 

When you're searching for the best car insurance in your area, it can be confusing with all the options. In Montana, Nationwide, Travelers, Safeco, and Progressive are often chosen for their high ratings. These markets are superior in claims service and coverage offerings when it comes to auto protection.

In Montana, car insurance typically follows the car, not the driver.  Your bodily injury, property damage, medical payments, and any optional coverages will follow your vehicle. This means that if you give permission for someone else to use your car and they get into an accident, your insurance will pick up the expense, not theirs.

No, Montana is an at-fault state. This means the driver who is responsible for the accident uses their insurance to pay for damage and injuries of the other party.

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Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Great Falls14.14.45$1,586
Miles City10.30.36$1,381