Montana Auto Insurance Requirements & Rates
Montana requires 25/50/20 liability coverage and is an at-fault state.
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Montana at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Montana operates under a traditional tort (at-fault) system, meaning the driver who causes an accident is financially responsible for damages. The state requires all drivers to carry proof of insurance and will verify coverage electronically through the Motor Vehicle Division. Montana does not require personal injury protection or medical payments coverage, unlike no-fault states.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Medical Payments Coverage
Cost Overview
about $81/mo
Average car insurance spending in Montana
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Wildlife collision frequency in Montana is among the highest nationally, with over 2,000 reported deer and elk crashes annually, making comprehensive coverage particularly valuable for rural drivers.
- Winter weather severity impacts rates statewide, with mountain passes like Homestake and MacDonald experiencing prolonged closures and ice-related crashes that drive up collision claim costs.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredFrequently Asked Questions
Is Montana a no-fault state for car insurance?
No, Montana is a traditional at-fault (tort) state. The driver who causes an accident is financially responsible for all resulting damages, and injured parties can file claims against the at-fault driver's liability insurance or sue directly for damages exceeding policy limits. Montana does not require personal injury protection (PIP) coverage like no-fault states.
Coverage Types
Liability Insurance
Covers injury and property damage you cause to others. Montana's 25/50/20 minimum is often insufficient for serious crashes, particularly multi-vehicle accidents on I-90 or I-15 where total damages can easily exceed $100,000.
Full Coverage
Combines comprehensive liability, collision, and comprehensive physical damage coverage. Protects both your legal liability and your vehicle's value, regardless of fault.
Comprehensive Coverage
Pays for vehicle damage from non-collision events: theft, vandalism, hail, fire, falling objects, and animal strikes. Does not cover collision damage or liability.
Collision Coverage
Covers damage to your vehicle from crashes with other vehicles or objects, regardless of fault. Pays up to your vehicle's actual cash value minus your deductible.
Uninsured Motorist Coverage
Pays your medical expenses, lost wages, and vehicle damage when an at-fault driver has no insurance or flees the scene. Includes underinsured motorist protection when damages exceed the other driver's limits.
SR-22 Insurance
Not a coverage type, but a certificate filed by your insurer proving you carry Montana's minimum liability coverage. Required after DUI convictions, driving without insurance, or multiple serious violations.