Montana Auto Insurance Rates & Requirements 2025
Montana requires 25/50/20 liability coverage and is an at-fault state.
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Montana at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Montana operates under a traditional at-fault tort system, meaning the driver responsible for an accident is liable for damages. The state requires all drivers to carry proof of financial responsibility, typically satisfied through liability insurance meeting minimum limits.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Personal Injury Protection (PIP)
Cost Overview
about $81/mo
Average car insurance spending in Montana
Rate data: NAIC Auto Insurance Database, 2023
Compare Before You Renew
Compare Auto Insurance RatesCoverage Types
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your legal obligation and your vehicle's value. Includes uninsured motorist protection and typically features higher liability limits than the state minimum.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Montana's 25/50/20 minimum may leave you personally liable for damages exceeding these limits.
Comprehensive Coverage
Pays for damage to your vehicle from non-collision events including theft, vandalism, fire, hail, and animal strikes. Covers the repair or replacement cost minus your deductible.
Collision Coverage
Repairs or replaces your vehicle after crashes with other vehicles or objects, regardless of fault. Required by lenders for financed or leased vehicles.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or insufficient coverage to pay your medical bills and vehicle damage. Steps in as if you had purchased the coverage yourself.
SR-22 Insurance
Not a separate coverage but a certificate of financial responsibility filed by your insurer with the Montana Motor Vehicle Division after DUI, reckless driving, or driving uninsured convictions.