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Montana Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in Montana. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in Montana.

MT Auto Insurance Laws and Regulations:

Montana State Auditor's Office
840 Helena Avenue
Helena, MT 59601

Minimum Car Insurance Coverage in MT:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

MT Insurance is Not Required on:

Off-highway vehicles

Motorcycles

Non-registered nonoperational vehicles


MT Uninsured Penalties:

Failing to comply with Montana's mandatory insurance laws will result in steep financial penalties and other consequences. When you drive without proper insurance in Montana, it is considered a misdemeanor offense.

For a first-time offense, you could face fines of $250-$500 or have to spend up to ten days in a county jail. Additionally, you will have five points placed on your driver's license. License revocation occurs once 30 points have accumulated.

For a second offense, you will have to pay a fine of no less than $350 and/or spend up to ten days in jail. You will also have your license suspended for 90 days automatically.


MT Department of Insurance Contact Information:

1-800-332-6148

MT State Insurance Department Website:





Directory of Montana Auto Insurance Agents by County

Beaverhead
Big Horn
Blaine
Carbon
Carter
Cascade
Chouteau
Custer
Daniels
Dawson
Deer Lodge
Fallon
Fergus
Flathead
Gallatin
Garfield
Glacier
Granite
Hill
Jefferson
Judith Basin
Lake
Lewis And Clark
Liberty
Lincoln
Madison
Mccone
Meagher
Mineral
Missoula
Musselshell
Park
Phillips
Pondera
Powder River
Powell
Prairie
Ravalli
Richland
Roosevelt
Rosebud
Sanders
Sheridan
Silver Bow
Stillwater
Sweet Grass
Teton
Toole
Valley
Wheatland
Wibaux
Yellowstone

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