Montana Auto Insurance Policy Requirements

Q: What is in a basic Montana auto insurance policy?
A: These are the main types of insurance coverage that you can include in your Montana auto insurance policy:

  1. Liability Coverage
    1. Liability coverage is divided into two kinds in order to distinguish damage to property from injury to a person:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Montana law requires liability coverage. To legally drive in Montana, you must have a valid driver’s license in addition to the following minimum of liability coverage included in your auto insurance policy:
      1. 25/50/10” (Montana’s minimum auto insurance requirement)
      2. $25,000 in the event of injury/death to one person.
      3. $50,000 in the event of injury/death to more than one person.
      4. $10,000 in the event of damage to property.
    3. When a vehicle is leased, the liability minimums listed above do not apply.
  2. Collision Coverage is a required part of a Montana auto insurance policy if you are currently financing your vehicle. If the vehicle has been paid off, then collision is a recommended but not required option.
  3. Comprehensive Coverage is mandatory when the vehicle is financed, but otherwise it is a noncompulsory addition to a Montana auto insurance policy.
  4. Medical Payments Coverage is a wise addition to your Montana auto insurance policy, but state law does not require it.
  5. Uninsured (and Underinsured) Motorist Coverage is another optional but suggested addition to your insurance policy.
  6. Personal Injury Protection (PIP) Coverage is another optional although recommended insurance option in Montana.
  7. Other Possible Additions to your Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Montana a No-Fault state?
A: The state of Montana does not uphold a no-fault insurance system.

Q: How can I get a discount on a Montana auto insurance policy?
A: Check our list of auto insurance discounts to see if you are eligible for the many discounts available for auto insurance policies.

Q: Where can I find more information about Montana auto insurance?
A: If you would like to further research the ins and outs of auto insurance for Montana, consult these online resources:
  1. Montana Insurance Resources
    1. The Montana Motor Vehicle Division (MVD) issues titles and registrations of motor vehicles as well as driver’s licenses.
    2. The Montana insurance Commissioner regulates the insurance industry.
  2. National Insurance Resources

CLICKinsure supplies the rocky state of Montana – which is in fact a name that comes from Spanish for “mountain” – with its brokerage services. From the grizzly bear home of Glacier National Park to the impressive butte of Pompeys Pillar National Monument, Montana residents deserve the best in auto insurance. Please consider CLICKinsure as your broker as we can assist you in finding the lowest rates available in the big and beautiful state of Montana, including Billings, Bozeman, Butte, Great Falls, Havre, Helena, Kalispell, Missoula, and Miles City.