Montana is known for its open highways, rugged mountain passes, and the “Big Sky Country” lifestyle. But with that freedom comes risks—icy winter roads, collisions with large animals like deer and elk, and long stretches of rural driving. To legally drive in Montana, residents must carry auto liability insurance. Montana follows an at-fault system, which means the driver who causes an accident is financially responsible for damages. Below is a full breakdown of Montana’s insurance requirements for 2025 and what they mean for drivers.
- Minimum liability: 25/50/20
- Carry proof of insurance at all times
- Electronic proof accepted
- No real-time MLI enforcement
- Be mindful of wildlife collisions on highways
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 injuries and property damage you cause to others if you are at fault in an accident.
What Are The Optional Insurance Coverages?
Optional coverage is especially useful in Montana, where rural roads, wildlife crossings, and severe weather pose additional risks:
- Uninsured/Underinsured Motorist (UM/UIM): Protects you if another driver lacks enough coverage.
- Collision and Comprehensive Coverage: Helpful for animal strikes (common with deer and elk), falling rocks, hail, and theft.
- Medical Payments Coverage (MedPay): Covers medical costs for you and passengers regardless of fault.
- Roadside Assistance: Important for long distances between towns and potential winter breakdowns.
- Rental Car Reimbursement: Covers costs if your vehicle is in the shop after an accident.
These protections go beyond state minimums and are worth considering if you regularly drive in Montana’s challenging conditions.
Are There Penalties for Driving Without Insurance?
Driving without insurance in Montana can lead to:
- Fines up to $500
- Possible jail time (up to 10 days)
- Driver’s license and registration suspension
- SR-22 filing requirement for reinstatement
Repeat offenses carry higher fines, longer suspensions, and additional penalties.
How Can I Show Proof of Insurance In Montana?
Drivers must present valid proof of insurance when:
- Registering a vehicle
- Stopped by law enforcement
- Involved in an accident
Acceptable forms of proof include:
- Paper insurance ID card
- Electronic proof (mobile app or digital file)
Note: Montana does not use a real-time electronic 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 of 25/50/20.
Does Montana use electronic insurance verification?
No. Montana does not operate a real-time MLI system. Drivers must provide proof manually when requested.
What are the penalties for driving without insurance?
First-time offenders may face up to a $500 fine, up to 10 days in jail, and license suspension. Repeat violations lead to harsher penalties and SR-22 requirements.
Can I show proof of insurance on my phone?
Yes. Montana allows electronic proof of insurance using a smartphone or digital device during traffic stops.
Does insurance cover wildlife collisions in Montana?
Yes, but only if you carry comprehensive coverage. Deer and elk collisions are common, making this optional coverage especially valuable.
Curious about nearby requirements? See our guides for:
Idaho,
North Dakota,
South Dakota, and
Wyoming.