Minimum Car Insurance in Montana
The liability limits Montana requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Montana requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $20,000 for property damage. MCA 61-6-103; 61-6-301
| Minimum coverage required | Montana requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $20,000 for property damage. Owners must continuously maintain this insurance, or hold a certificate of self-insurance. Continuous coverage: https://mca.legmt.gov/bills/mca/title_0610/chapter_0060/part_0030/section_0010/0610-0060-0030-0010.html Source: MCA 61-6-103; 61-6-301 |
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| At-fault or no-fault | Montana uses a fault-based system with modified comparative negligence (MCA 27-1-702): an injured party may recover damages only if less than 50% at fault, and the amount recovered is reduced in proportion to that party's own share of fault. For example, a driver found 20% at fault can collect 80% of their damages from the other driver. |
| Uninsured motorist coverage | Uninsured motorist coverage must be included in every auto liability policy for vehicles registered and principally garaged in Montana, at limits of at least 25/50, but the named insured has the right to reject it. According to the CSI, unless you sign a form stating you do not want uninsured motorist coverage, your agent is required by law to provide it. If the coverage was rejected, it need not be included in a renewal by the same insurer unless the named insured asks for it in writing. Signed form: https://csimt.gov/your-insurance/auto/ |
More Montana car insurance & vehicle laws
- Driving Without Insurance in Montana
- SR-22 Insurance in Montana
- When a Car Is a Total Loss in Montana
- Transferring a Car Title in Montana
- All Montana car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Montana?
Montana requires 25/50/20 liability coverage: $25,000 for bodily injury or death of one person, $50,000 for bodily injury or death of two or more people in one accident, and $20,000 for property damage. Owners must continuously maintain this insurance, or hold a certificate of self-insurance.
Is Montana a no-fault car insurance state?
Montana uses a fault-based system with modified comparative negligence (MCA 27-1-702): an injured party may recover damages only if less than 50% at fault, and the amount recovered is reduced in proportion to that party's own share of fault. For example, a driver found 20% at fault can collect 80% of their damages from the other driver.
Is uninsured motorist coverage required in Montana?
Uninsured motorist coverage must be included in every auto liability policy for vehicles registered and principally garaged in Montana, at limits of at least 25/50, but the named insured has the right to reject it. According to the CSI, unless you sign a form stating you do not want uninsured motorist coverage, your agent is required by law to provide it. If the coverage was rejected, it need not be included in a renewal by the same insurer unless the named insured asks for it in writing.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.