– Everything You Need to Know About Auto Insurance in Montana

What is the minimum coverage requirement for Montana car insurance? How can one find the best Montana car insurance rates? What are the top Montana auto insurance companies you can trust? Continue reading to learn more about Montana auto insurance and how to find the right policy for you.

Montana Car Insurance: The Penalty for Not Having It

What does it mean to be without Montana car insurance? It could be a misdemeanor offense that entails a $500 fine and 5 points to your license. (30 points on your Montana driver’s licence will result in your driver’s permit being revoked). You will also receive a 10 day free vacation in the county jail.

If you don’t know the rules, Montana may charge you a second time or place you in jail for a further 10 days. Your driver’s license will be suspended for 90 days.

Montana Tort Auto Insurance Laws

Car accidents in Montana are subject to a tort system. You must prove you caused the accident in order to be charged for damages. Every state has a different tort system of car insurance law. For this reason, Montana State Auditor Helena can be contacted at (406) 444-2040 or via their website. http://sao.mt.gov.

Montana Minimum Auto Insurance Coverage

Montana law requires Bodily Injury Liability coverage that covers at least $25,000 per individual and $50,000 per accident. Bodily Injury Liability auto insurance covers medical expenses for all occupants of your vehicle in the event you are involved in an accident.

Montana residents are required to have $10,000 coverage for Property Damage. Property Damage coverage covers any property damage resulting from an accident. This includes the damages caused by the other driver.

These are the minimum requirements that Montana has. These numbers can quickly mount due to rising car repair and medical costs. You may consider increasing your coverage to cover the possibility of being held responsible for all expenses that are not covered by your insurance.

Montana Optional Auto Insurance

Although it is not required by Montana law, collision and comprehensive coverage may be an option. Comprehensive insurance will cover the costs of any repairs to your car up to its Blue Book value. Collision covers damage to your vehicle if it is involved in an accident. If the cost to repair exceeds the Blue Book Value, your car may be declared totaled and you will be paid the cash value. Many lenders require that all cars purchased with a car loan have comprehensive car insurance.

Uninsured/underinsured insurance is not required in Montana but is highly recommended. This type of coverage provides protection in the event that you are involved in an accident with a driver who is either underinsured or uninsured. This coverage can also pay for car repairs and medical expenses if you are involved in an accident with one of these drivers.

In addition to Montana’s state requirements, you might want to look into Personal Injury Protection coverage for car insurance. Personal Injury Protection covers you, your passengers, to pay for medical bills, lost earnings, and replacement services following an accident. This coverage is available even if you are the one who caused it.

How to Find Montana Car Insurance Rates at a Cheap Price

It is a good idea to check your Montana car insurance policy every six months. This will ensure that you have sufficient coverage to meet your driving needs. Do your research and compare prices and coverage. Compare at most three options car insurance companies in order to find the best rate.

Montana Auto Insurance Companies

Montana residents have many options, so it is important to shop around. Here’s a list with the most reputable MT auto insurance companies.

SF Insurance
Liberty Mutual

Compare Montana Car Insurance Quotes Online

You should make sure that your car insurance covers you if you are planning to take a scenic drive through Montana’s Sun Road, Glacier Park. It doesn’t mean you have to drive around the entire state to compare rates from different Montana insurance agents. There is an easier option. Compare auto insurance quotes from Montana companies online and choose the one that best suits your needs.