Montana car insurance: requirements & free quotes
Montana is an at-fault state with a 25/50/20 minimum. Long rural distances, wildlife on the road and mountain winter driving make comprehensive and roadside coverage worthwhile.
Minimum coverage in Montana
$25,000
Bodily injury per person
$50,000
Bodily injury per accident
$20,000
Property damage
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $20,000 per accident
Shown as 25/50/20. State minimums only cover others when you're at fault — they don't pay to repair your own car. Read how much car insurance you really need.
Ways to save on car insurance in Montana
- Comprehensive coverage covers animal collisions, a common risk on Montana highways.
- Roadside assistance is valuable when help may be far away.
- Uninsured motorist coverage is optional but inexpensive protection.
- Ask about discounts for low mileage or seasonal vehicles.
We connect drivers across Montana
Including Billings, Missoula, Great Falls, Bozeman and Butte — and smaller towns in between. Availability depends on agencies serving your ZIP code.
Montana car insurance FAQ
No. Montana is an at-fault (tort) state, which means the driver who causes an accident — through their liability insurance — is responsible for the other people's injuries and property damage.
Compare quotes from several insurers, ask about discounts (bundling, safe driver, paperless, good student), raise your deductible if you have savings to cover it, and keep a clean driving record. A local agent can shop multiple insurance companies for you at once.