Montana Auto Insurance — Minimums, Rates & Coverage
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 an at-fault (tort) liability system, meaning the driver responsible for a crash pays for damages through their insurance. All drivers must carry proof of insurance and provide it during traffic stops or after accidents. Montana does not offer PIP or no-fault protections — injury claims are settled through the at-fault driver's bodily injury liability coverage, according to the Montana Department of Insurance.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
$39–$61/mo
Typical monthly rate in Montana, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
What Affects Your Rate
- Wildlife collisions: Montana reports over 8,000 deer-vehicle crashes annually, concentrating in rural corridors along US-93 and I-90, significantly raising comprehensive claim frequency.
- Low theft rates: Montana has one of the nation's lowest auto theft rates per capita, reducing comprehensive premiums compared to urban states.
- Rural emergency response: Longer distances to hospitals and repair facilities in eastern Montana can increase injury severity and total loss rates, affecting bodily injury liability pricing.
Find the Lowest Rate That Still Protects You
Find Your Lowest RateFrequently Asked Questions
Is Montana a no-fault state for car insurance?
No, Montana operates under an at-fault (tort) system. The driver who causes the crash is responsible for damages through their liability insurance. Montana does not offer personal injury protection (PIP) — injury claims are settled through the at-fault driver's bodily injury liability coverage, not your own policy.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Montana's 25/50/20 minimum leaves you personally liable for any amount above the limits — a $75,000 injury claim means you pay $50,000 out of pocket.
Comprehensive Coverage
Pays for damage to your vehicle from deer strikes, hail, theft, vandalism, fire, and falling objects. You choose a deductible ($500 or $1,000 typical), and the insurer covers the rest up to your car's actual cash value.
Collision Coverage
Covers damage to your car from crashes with other vehicles or objects, regardless of fault. If your vehicle is worth less than $3,000–$4,000, the annual cost often exceeds the potential payout after the deductible.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when an uninsured or hit-and-run driver injures you. Montana requires insurers to offer this, but you can reject it in writing — doing so eliminates your injury protection in uninsured crashes.
Full Coverage
Industry term for liability plus comprehensive and collision. Full coverage protects both your legal liability and your vehicle's value, but costs roughly double the state minimum.