This page will not only talk about Montana Auto Insurance Requirements, rather we shall as well share more information about Montana auto insurance laws, rates, discounts, and more.
Montana Auto Insurance Requirements
Provided you have a car insurance in Montana, you must have liability coverage, with the following minimums
- $25,000 for bodily injury liability, per person per accident
- $50,000 for bodily injury liability, total per accident
- $10,000 for property damage liability, per accident
Further more you should as well consider adding the following additional coverage options to your policy. This help to keep from having to pay out-of-pocket if you get into an accident.
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1. Collision Coverage: This insurance coverage options covers you if you hit another car or object.
2. Comprehensive Coverage: This this coverage pays for the damage, whether your car is vandalized or you hit an animal.
3. Towing and Labor Coverage: If you have an accident, it might make your car undriveable. With this coverage, your insurance company will pay for towing.
4. Rental Car Coverage: Your insurance company will help pay for a rental car if yours is in the shop after an accident.
How Much Montana Auto Insurance Cost
Base on statistics, Montana is the 2nd cheapest state when it comes to buying auto insurance. Drivers pay roughly $716 a year, but there are providers who offer more affordable coverage options.
Below are the average costs for the cheapest insurance companies in Montana.
| S/N | Insurance company | Average Annual Rates |
| 1 | USAA | $378.52 |
| 2 | Allstate | $630.37 |
| 3 | State Farm | $631.85 |
| 4 | Safeco | $632.30 |
| 5 | Travelers | $670.22 |
| 6 | Farmers | $688.19 |
| 8 | Nationwide | $825.56 |
| 8 | Progessive | $896.93 |
| 9 | Kemper Insurance | $968.81 |
| 10 | Mountain West Farm Group | $1,110.74 |
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Thieves can make your car insurance policy increase if you drive a car they like to steal. Here are the most stolen cars in Montana:
- Chevrolet Pickup (Full Size)
- Ford Pickup (Full Size)
- Honda Accord
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Chevrolet Pickup (Small Size)
- Chevrolet Impala
- Toyota Camry
- Honda Civic
- Subaru Legacy
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