Montana Car Insurance Requirements in 2025 (MT Minimum Coverage Guide)

To meet Montana car insurance requirements, you need liability coverage of 25/50/20. MT car insurance rates start as low as $14 per month.

Failure to show proof of insurance can result in fines of $250-$500 and/or up to 10 days in jail–even for a first offense. Read our guide to answer the question, “Does Montana require car insurance?

Montana Auto Insurance Minimum Coverage Requirements

Get the best auto insurance coverage by comparing rates with the help of our guide. Enter your ZIP code now to learn more about Montana car insurance requirements.

This Montana car insurance guide will help you learn how to drive legally in Montana and avoid potential penalties, fines, and license or registration suspension.

Montana Auto Insurance Requirements & What They Cover

In Montana, all personal vehicles must have liability insurance, with a minimum coverage of $25,000 for each person, $50,000 for every accident involving bodily injury, and $10,000 for property damage.

This type of coverage helps pay for any property damage or injuries if the insured driver is at fault. While these are the state-required minimums, many drivers opt for higher limits or additional coverage for better protection.

Read more: What does car insurance cover?

Cheapest Car Insurance in Montana

If you’re looking for the cheapest car insurance companies in Montana, USAA consistently offers the lowest rates, followed by Liberty Mutual and State Farm. Monthly premiums vary depending on factors like city, age, gender, and driving record.

For example, drivers in Conrad and Cut Bank enjoy some of the lowest city rates at $69 and $68 per month, while cities like Billings can reach up to $90.

Montana Min. Coverage Monthly Rates by City

Younger drivers, especially 17-year-old males, tend to pay the highest rates, while older drivers generally see lower premiums.

Car Insurance Monthly Rates In Montana By Age & Gender

Among insurers, USAA stands out with the most affordable rates across most age groups and clean driving records—starting as low as $125 per month.

Car Insurance Monthly Rates in Montana by Provider & Driving Record

However, your rates can increase significantly with a ticket, accident, or DUI, so maintaining a clean record or history is key to keeping your auto insurance costs low.

Penalties for Driving Without Insurance in MT

If you cannot show proof of insurance in Montana, you may face severe penalties. For a first offense, you could be fined between $250 and $500 and/or face up to 10 days in jail.

A second offense carries a fine of $350, up to 10 days in prison, and a 90-day suspension of your vehicle registration. A third or subsequent offense results in a minimum fine of $500, up to 6 months in jail, and a 180-day registration suspension.

Your license will be suspended in addition to the previous penalties upon a fourth or subsequent offense. Reinstatement fees may apply to restore driving and registration privileges.

Read more: If you have an accident while driving with an expired license will insurance cover damages?

Additional Coverage Options in Montana

Comprehensive and collision insurance are optional but very useful. Collision will pay to fix your car after it’s been damaged in an accident, and comprehensive coverage covers other non-accident-related damages.

These non-accident incidents can include fire damage, flood damage, or even theft. We have compiled a list of the most stolen vehicles in Montana to show you whether your car is at risk.

Uninsured and underinsured insurance protects you if someone without enough coverage involves you in an accident. If they are found to be at fault but aren’t covered, your insurance company will compensate you for the damages.

Enter your ZIP code to connect with Montana car insurance agents in Miles City to meet state standards.