Auto Coverage in Montana
Montana Auto Insurance
If you're considering buying insurance in the state of Montana, keep in mind you'll need to have a certain minimum amount of coverage that's required by law ; and you may also want to buy higher amounts, in order to cover you in case of an accident or unexpected damages.
Minimum Montana auto insurance
Drivers in the state of Montana are required to carry liability insurance in the following amounts:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $10,000
Montana follows a tort system by law, meaning that if there is an accident, one of the drivers will be found at fault and that person will be responsible for covering all the damages. If you're in an accident, you'll need to make sure your insurance can cover all the costs, because if you can't, you can face penalties in fines and even jail time.
For this reason, it's also a smart idea to buy more than the minimums requirement for Montana ; you may wish to consider other types of coverage, such as uninsured motorist coverage and collision & comprehensive plans.
Penalties without Montana auto insurance
If you're found to be driving without insurance in the state of Montana, and a police officer finds out, you could face fines ranging from $250 to $500 for the first offense, and potential jail time to 10 days behind bars. If you're caught driving without insurance a second or third time, then the fines will increase each time. You will also receive a five-point penalty on your driving record, which will dramatically increase the cost for insurance in the future, and may cause you to lose your driving privileges.