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Car Insurance
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Insurance coverage requirements are nothing to ignore; operating a vehicle without insurance is an invitation to self-loathing and regret. Liability insurance in Montana is mandatory, with motorcycle coverage being the lone exception. As stated in Montana Code Annotated 61-6-301, you are required to carry proof of insurance while behind the wheel at all times and must present it when requested by any law enforcement official.
As a licensed Montana driver you are required to minimally carry:
- $25,000―Bodily injury or death of one person in any one accident.
- $50,000―Bodily injury or death of two persons in any one accident.
- $10,000―Injury to or destruction of property of others in any one accident.
The penalties for operating an uninsured vehicle are stiff and rife with long-term ramifications. Operating without liability insurance is considered a misdemeanor in Montana. First-time offenders can be slapped with fines between $250-500, or be booked into a county jail for up to 10 days. Plus, your license gets stained with five points (30 or above leads to revocation).
If you're a two-time offender, you'll be walloped with a fine of no less than $350 and/or be incarcerated for up to 10 days, and will have your license automatically suspended for 90 days.
