8:00 - 17:00
Opening Hour: Mon - Fri
Montana is known for its wide open spaces, but car accidents and other mishaps can happen anywhere.
Drivers in this state are required to have at least a minimum level of liability auto insurance at all times to comply with the law and to ensure the financial means to pay for at least some of the expenses that may develop from an accident.
Some drivers also choose to purchase additional coverage to take advantage of the additional benefits it can provide.
A closer look at the types of car insurance available in Montana as well as the insurance requirements can help you to determine how much auto coverage you should buy.
Compare quotes for car insurance in your state. Enter your ZIP code above to begin.
Table of Contents
One of the first questions you will need to answer when you start shopping around for new insurance rates in Montana relates to the type of insurance you want to buy.
Many insurance companies will ask if you want to buy the state’s minimum requirements for car insurance or if you are interested in expanding your coverage to include more types of insurance or higher limits.
By learning more about the coverage types available, you can more easily decide which coverage option is right for you.
Both collision and comprehensive insurance are optional for drivers in Montana, but some car loan lenders may require them as a term of your car loan.
For each coverage type you choose, you will also choose a coverage limit. The limit is the maximum amount of money the insurance company will pay for that specific type of auto insurance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Montana drivers may face hefty penalties for driving without the minimum amount of car insurance at all times. With this in mind, you need to understand what the state’s insurance requirements are.
Before driving on Montana’s roads, you should ensure that your auto coverage contains these required elements to avoid legal issues:
Many drivers will choose to buy more than the minimum required type and amount of coverage.
Others will find that these requirements do not pertain to them. For example, if you drive your vehicle for business purposes, you may need to comply with a different set of auto insurance requirements in this state.
Driving without auto insurance in Montana can be risky and is illegal. You will have to pay all related expenses out of your own pocket if you are in an accident without insurance. You also may face these penalties:
Many drivers who are shopping for auto insurance today are on a tight budget, so you may not be interested in buying more auto insurance than what is absolutely required by the state.
However, there are instances when drivers should consider paying more money for extra coverage and benefits.
Remember that an accident may cost tens of thousands of dollars or more, and any portion of that which is not covered under your car insurance policy is your financial responsibility to pay for out of your own funds.
All drivers in Montana need to buy auto insurance to comply with state law, and it makes sense to compare new rates from top providers every six months.
By doing so, you can potentially identify a lower rate on your car insurance, and you can also ensure that all of your auto coverage needs are met.
Requesting quotes for new car coverage online is one of the fastest ways to learn more about rates that may be available to you.
If you plan to buy car insurance in Montana soon, spend time learning more about the top insurance companies. Compare customer reviews and financial ratings online before you make any purchases.
Consider repeating this same process twice per year in order to stay on top of the best auto insurance rates available.
Start the search for auto insurance today by typing your ZIP code into our free comparison tool below.
Auto Insurance Laws / Auto Insurance Quotes