Montana Car Insurance Requirements (Updated for 2025)
As of 2025, Montana law mandates that all drivers and vehicle owners carry specific minimum car insurance coverage. Failure to comply can result in severe penalties, including fines, license suspension, and potential jail time. It’s essential to understand these requirements to ensure you’re adequately protected and compliant with state laws.
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📋 Minimum Required Coverage
Montana requires the following minimum liability insurance coverage:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $20,000 per accident
- Uninsured/Underinsured Motorist Bodily Injury: $25,000 per person / $50,000 per accident
Note: Uninsured/underinsured motorist coverage must be offered by insurers, but you have the option to reject it in writing.
📄 Proof of Insurance
Drivers must carry proof of insurance at all times. Law enforcement utilizes the Montana Insurance Verification System (MTIVS) to electronically verify insurance status during traffic stops. Failure to provide proof or if the MTIVS shows no coverage can result in penalties.
🚫 Penalties for Driving Without Insurance
Penalties for driving uninsured in Montana are as follows:
| Offense | Fine | Imprisonment | License Suspension | Registration Suspension |
|---|---|---|---|---|
| First Offense | $250–$500 | Up to 10 days | No | No |
| Second Offense | $350 | Up to 10 days | 90 days | Yes |
| Third Offense | $500 | Up to 6 months | 1 year | Yes |
| Fourth & Subsequent Offenses | $500 | Up to 6 months | Until proof of insurance is provided | Until proof of insurance is provided |
Note: Accumulating multiple offenses can lead to extended license and registration suspensions, and a requirement to file an SR-22 form for three years.
🔄 SR-22 Requirement
After a third or subsequent offense, Montana requires drivers to file an SR-22 form, a certificate of financial responsibility, to reinstate driving privileges. This form must be maintained for three years.
💡 Optional Coverages to Consider
While not required, you may consider the following optional coverages to enhance your protection:
- Collision Coverage: Pays for damages to your vehicle resulting from a collision.
- Comprehensive Coverage: Covers damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.
- Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident.
- Rental Reimbursement: Provides coverage for rental car expenses while your vehicle is being repaired.
- Roadside Assistance: Offers services like towing, battery jump-starts, and flat tire changes.
📈 Average Insurance Rates
The average cost of full-coverage car insurance in Montana is approximately $2,218 per year, or $185 per month. Liability-only car insurance costs around $586 per year, or $49 per month, on average.
📌 FAQs
Is Montana a no-fault state?
No, Montana is an at-fault state. The driver responsible for the accident is liable for damages.
Can I drive without insurance if I can pay for damages out of pocket?
No, Montana law requires all drivers to maintain the minimum liability insurance coverage.
What should I do if I can’t afford car insurance?
If you’re unable to afford insurance, consider exploring low-cost insurance programs or seeking assistance from state-sponsored programs that may be available to eligible individuals.