Montana Auto Insurance - (MT)

Liability insurance is required for all motor vehicles in Montana with the exception of motorcycles. Drivers who fail to maintain proper auto insurance coverage will face stiff fines and other consequences. The enforcement of strict insurance laws helps keep Montana drivers safer and the costs of collisions and premiums to a minimum. In this post, we’ll provide an overview of the insurance requirements for Montana and discuss the sanctions drivers face if they fail to comply.

Auto Insurance Regulations in Montana

• All motor vehicles except motorcycles must have liability coverage. Unless you drive a motorcycle, you will need to purchase liability insurance for your vehicle.
• The liability coverage requirements are: $25,000 for the injury or death of one person in an accident, $50,000 for the injury or death of two or more people in an accident, and $10,000 for property damage per accident.
• You must carry proof of insurance at all times. Whenever you’re driving, you need to have your insurance card with you, and you are required by law to present it when asked by any law enforcement officer.

Penalties for Noncompliance

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.

Department Of Montana (MT) State Government That Regulates Auto Insurance:
Web Site: sao.mt.gov
Email: stateauditor@mt.gov

How To Contact Directly:
Montana State Auditor’s Office
840 Helena Avenue
Helena, MT 59601
Phone: 1-800-332-6148

Montana (MT) Mandatory Auto Insurance Minimums

• Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Regulations Regarding Proof of Insurance: Proof Required - If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory auto insurance: Fine up to $500 and up to 10 days in jail

How To File A Complaint About An Insurer:

Insurance Complaint Form From the Montana State Auditor’s Office
Online complaint form can be filled out and sent via the Internet.