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Montana Car Insurance Regulations & Required Coverage

Montana requires all its drivers to maintain financial responsibility when operating a motor vehicle. The most common way of doing this is by getting car insurance coverage. Drivers caught without adequate proof can face stiff penalties and even time in jail. Knowing Montana insurance rules and regulations not only keeps you out of trouble, it can keep you and your passengers protected. Montana insurance laws were written in accordance to a tort system. Under this type of system, someone is held at fault for causing an accident and is then held responsible (along with their insurer) to pay for the damages they caused. The specifics of a tort system can vary depending on the state. Required Coverage All personal vehicles in Montana require the following liability coverage requirements:
  • Bodily Injury
  • Property Damage
Minimum Montana Car Insurance Requirements Bodily Injury Liability $25,000 / $50,000 Limit Property Damage Liability $10,000 Limit Additional insurance coverage can include:
  • Comprehensive and Collision Coverage
  • Uninsured / Underinsured Motorist Coverage
Comprehensive and collision insurance are optional, but very useful to have. Collision will pay to fix your car after it's been damaged in an accident and comprehensive covers other non-accident related damages. These non-accident incidents can include fire damage, flood damage or even if your vehicle is stolen. We have compiled a list of the most stolen vehicles in Montana to give you an idea if your car is at risk. Uninsured and underinsured insurance protects you in the event that someone without enough coverage (or any at all) involves you in an accident. If they are found to be at fault but aren't covered, your insurance company will compensate you for the damages. Proof of Insurance and Financial Responsibility Establishing proof of insurance and financial responsibility
  • Get a standard liability car insurance policy
  • Post a bond with a state licensed company
  • Post cash or securities in the amount of $55,000 with the state Treasurer
  • Self insurance - for owners of 26+ vehicles
Required Documentation In order to provide proof of insurance, you can provide one of the following:
  • Insurance ID Card
  • Certificate of insurance
  • Proof of your bond
  • Certificate of Deposit showing cash or securities posted with the Treasurer
  • Certificate of self insurance
You must maintain proof of insurance and financial responsibility and present it:
  • When asked by a police officer
  • After an accident
  • When registering or renewing your vehicle's registration
  • Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties If you are unable to show proof of insurance, you can face the following penalties:
  • First offense - Fines between $250 and $500 and/or 10 days in jail
  • Second offense - Minimum fine of $350 and/or 10 days in jail plus suspension of your registration for 90 days
  • Third and subsequent offenses - Minimum fine of $500 and/or 6 months in jail plus suspension of your registration for 180 days
  • Fourth and subsequent offenses - In addition to above penalties, your driver's license will be immediately suspended
  • Applicable reinstatement fees
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