Car Insurance in Montana

To legally comply with Montana's driving laws, you must maintain financial responsibility for the vehicle you drive. This is more commonly known as liability insurance.

Ways to Establish Financial Responsibility

There are several alternatives to meeting the state's motor vehicle liability law:

• Carrying a bond with a surety company authorized to operate in the state. Or a bond with at least two individual sureties each owning Montana real estate with combined equities valued to at least twice the amount of the bond.

• Making a cash deposit of $55,000 with the state treasurer. Contact your county treasurer for how to proceed with this option.

• Obtaining a self-insurance certificate. But this only applies to individuals with at least 25 vehicles registered under his or her name.

• Carrying traditional liability insurance with an authorized carrier. See below for minimum requirements.

Montana Liability Insurance Requirements for Private Passenger Vehicles

If, like most drivers, you opt for liability insurance, here's the minimum you must carry:

• $25,000 for injury/death for one person

• $50,000 for injury/death to more than one person

• $10,000 for damage to property

When shopping for liability insurance, be sure to check the quotes from a variety of carriers. This way you can find a policy that matches your coverage needs and budget. If you feel you need more than the state's minimum insurance requirements, check out our Types of Coverage page for more options.

Proof of Insurance and Financial Responsibility

• Law authorities should be notified by your carrier that you have liability insurance. This does not mean you're exempt from providing proof. When driving you should always carry your insurance identification card provided by your carrier.

• Provide proof of bond. Inquire with your surety agent about an authorization certificate.

• Provide a confirmation letter if you made a cash deposit with the State Treasurer.

• Provide a confirmation letter or certificate that you are self-insured.

Penalties for Failure to Maintain Financial Responsibility

Operating without insurance is considered a misdemeanor. Penalties are as follows:

• As a first-time offender you'll be hit with fines of up to $500 and/or spend up to 10 days in jail. It will also cost you five points on your license.

• If you're a two-time offender, you'll face a fine of no less than $350 and/or spend up to 10 days in jail, and your license will be automatically suspended for 90 days.