Montana drivers must carry auto liability insurance to legally operate a vehicle. The state uses an at-fault system, which means the driver who causes an accident is financially responsible. Below is a complete breakdown of Montana’s current insurance laws and what they mean for you.
- Minimum liability: 25/50/20
- Carry proof of insurance at all times
- Electronic proof accepted
- No real-time MLI enforcement
Minimum Legal Car Insurance in Montana
Montana law requires drivers to carry at least the following coverage:
- Bodily Injury: $25,000 per person / $50,000 per accident
- Property Damage: $20,000 per accident
This coverage pays for damages and injuries you cause to others if you’re at fault in an accident.
What Are The Optional Insurance Coverages
Adding optional coverage can better protect you financially. Common additions include:
- Uninsured/Underinsured Motorist (UM/UIM)
- Collision and Comprehensive Coverage
- Medical Payments Coverage (MedPay)
- Roadside Assistance
- Rental Car Reimbursement
These coverages are not required by law, but they offer peace of mind and help cover unexpected expenses.
Are There Penalties for Driving Without Insurance?
Getting caught without valid insurance in Montana can result in:
- Fines up to $500
- Possible jail time (up to 10 days)
- Suspension of driver’s license and registration
- SR-22 filing requirement for reinstatement
Repeat violations may lead to harsher penalties and longer suspension periods.
How Can I Show Proof of Insurance In Montana?
Montana drivers must show valid proof of insurance when:
- Registering a vehicle
- Stopped by law enforcement
- Involved in an accident
Acceptable forms of proof include:
- Physical insurance ID card
- Electronic proof via a mobile app or digital file
Note: Montana does not use a real-time insurance verification system like some other states (e.g., Alabama or Texas).
Frequently Asked Questions About Montana Car Insurance
Is car insurance required in Montana?
Yes. All drivers must carry at least the state’s minimum required liability coverage.
What are Montana’s liability limits?
The minimum required coverage is 25/50/20: $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage.
Does Montana verify insurance electronically?
No. The state does not have a mandatory liability insurance (MLI) system for real-time verification. Drivers must provide proof manually when required.
What if I’m caught without insurance?
You may face a fine up to $500, license and registration suspension, jail time, and a required SR-22 filing to reinstate privileges.
Can I use my phone to show insurance in Montana?
Yes. Montana allows electronic proof of insurance using a smartphone or digital device during a traffic stop.
Curious about nearby requirements? See our guides for:
Idaho,
North Dakota,
South Dakota, and
Wyoming.