Car insurance · Montana
Car insurance requirements in Montana
Liability minimum 25/50/20. Claims system: fault-based claims.
Verified summaryAll Montana insurance topics
Requirements
Minimum car insurance requirements in Montana
| Coverage | Requirement in Montana |
|---|---|
| Bodily injury liability | $25,000 for one person / $50,000 for two or more persons in any one accident |
| Property damage liability | $20,000 for injury to or destruction of property of others in any one accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Included in every liability policy, at the limits in section 61-6-103, unless the named insured rejects it (Montana Code 33-23-201) |
What the law requires you to carry
- Bodily injury or death: $25,000 for one person in any one accident
- Bodily injury or death of two or more persons: $50,000 in any one accident
- Injury to or destruction of property of others: $20,000 in any one accident
- A liability policy that meets these limits on any motor vehicle operated on public roads
Uninsured drivers
Uninsured motorist coverage in Montana
Included in every liability policy, at the limits in section 61-6-103, unless the named insured rejects it (Montana Code 33-23-201).
- Montana Code 33-23-201 requires liability policies to include uninsured motorist coverage, with the named insured able to reject it. The coverage need not be included in a renewal if the insured rejected it on an earlier policy with the same insurer, unless the insured asks for it in writing.
Optional coverage
Coverage you can add in Montana
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Medical payments
Penalties
Penalties for driving without insurance in Montana
Under Montana Code 61-6-304, a first conviction for failing to carry required liability insurance is punishable by a fine of $250 to $500. A second conviction is punishable by a fine of $350, and a third or later conviction by a fine of $500, up to 10 days in the county jail, or both. After a second or later conviction, the court orders the registration and license plates surrendered, and after a fourth or later conviction it orders the driver's license surrendered.
Good to know
Other things to know in Montana
- Under Montana law, motorists stopped for a traffic violation or involved in a collision must show proof of insurance to law enforcement, in addition to their driver license and vehicle registration.
- The Motor Vehicle Division says that if a vehicle is registered, it must have minimum liability insurance on it, even if the vehicle is not being used.
- The minimum limits are set in section 61-6-103 of the Montana Code. Property damage limits were raised by a 2019 law, and some older materials show lower numbers.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Montana
- Montana Commissioner of Securities and Insurance
- Website: csimt.gov
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Montana.
Home insurance resources and the health marketplace for Montana are on its overview page.