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Car Insurance Regulations For Montana Plus Fines And Penalties

The minimum coverage for the state of Montana is 25,000/50,000/10,000 for bodily injury liability and property damage liability for each vehicle owned.

If you are in need of a local car insurance agent in larger cities:

Minimum Montana Car Insurance

CoverageMontana Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$10,000$25,000
Personal Injury ProtectionOptional$25,000 / $50,000
Uninsured / Underinsured Motorist BILOptional$50,000 / $100,000
Comprehensive CoverageOptional$500 deductible
Collision CoverageOptional$500 deductible

Bodily Injury Liability

In the event the insured party is at-fault in an accident, bodily injury liability will pay the doctor’s costs for the driver and passengers of the other car.

When the minimum liability protection is acquired the insurance corporation will pay up to $25,000 for a single person and $50,000 for all passengers concerned in the accident.

least expensive auto insurance companies in Montana for 25, 45, and 55 year old driver.

Note: Our analysis incorporated quotes from 13 insurance providers for a 25, 45, and 55 year old driver. We compared the average quotes by insurer across the entire state using each age as a benchmark. As illustrated, we found Progressive, USAA, and GEICO to be the most competitive across the State of Montana.

Property Damage Liability

Property damage liability covers damages to private and public property like places of business, road signs and guard rails as well as the other driver’s automobile.

Under the minimum coverage, insurance companies will pay up to $10,000 for repairs to property.

Although mentioned above is the state minimum requirement, the average driver receives the following cover per vehicle:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection (UM) – 25,000/50,000

  • Collision Coverage – $500 deductible

  • Comprehensive Coverage – $250 deductible

  • Medical Payment Coverage – $5000

If you have a new model vehicle it is highly recommended to get comprehensive and collision cover in the state of Montana since the winter season is harsh and the potential of hitting animals is higher than the nations average.

2nd chart for cheaper auto insurance in Montana. 25 and 45 year old driver.

Note: This is a more detailed view of the least expensive car insurance providers for a 25 and 45 year old driver. During our sampling of insurance quotes each driver had no more than one driving violation, good credit history, male, and single.

Cheapest Auto Insurance Companies in Montana

RankMontana Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Progressive$1,145$809$704
2USAA$1,154$810$710
3GEICO$1,165$812$713
4Allstate$1,258$843$725
5State Farm$1,256$856$724
6Travelers$1,237$965$737
721st Century$1,209$997$767
8Farmers$1,398$1,035$754
9Safeco$1,329$1,087$789
10QBE Insurance$1,410$1,121$808
11Hartford$1,444$1,126$810
12MetLife $1,467$1,156$812
13Liberty Mutual$1,556$1,183$823

Comparison of less know insurance companies for a 25 year old driver.

As illustrated these are slightly higher cost insurance providers for a 25 year old driver. Some of the company names may not be as familiar, but should be considered since it is possible to get a lower rate with them.

Comparison of less known insurance companies for a 45 year old driver.

This is our sampling of a 40 year old single, male, driver.

Additional options for 55 year old driver and lower insurance rates.

Note: Since age is a determining factor for insurance companies any of these companies are worth considering for an older driver.

Beginning in 2012, Montana being using “real-time” verification to determine if drivers had insurance. The systems in place is called “MTIVS” web service.

MTIVS helps police officers determine if a driver in the state of MT has insurance when they cannot provide proof.

If there is an accident, even in less populous cities such as Butte and Livingston, the police officers can verify through the real-time system if insurance was in effect during the time of an accident for both drivers.

Recommended Insurance Discounts for Savings

Best insurance discounts in Montana

Fines and penalties Driving without Insurance

  • First offense – no insurance – $250 – $500 and up to ten days in jail

  • Second offense – minimum $350 fine or 10 days in jail; license suspended for 90 days

  • Third offense – minimum $500 fine and/or minimum 180 days in jail

Second offense for driving without insurance results in five points added to your license and when you reach 30 points your license is revoked.

Montana Insurance Average Vs. National Average

Montana car insurance average compared to national average.

Insurance Resources & Department of Motor Vehicles

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
840 Helena Ave, Helena, MT 59601
(406) 444-2040
2550 Prospect Ave, Helena, MT 59601
(406) 444-6130
302 N Roberts St, Helena, MT 59601
(406) 444-3933
WebsiteWebsiteWebsite

Local Car Insurance Agents & Average Rate

CityAverage Insurance RateCityAverage Insurance Rate
Anaconda$1,356Laurel$1,476
Belgrade$1,365Libby$1,412
Belt$1,376Manhattan$1,349
Bigfork$1,387Miles City$1,454
Clinton$1,382Park City $1,499
Columbia Falls$1,408Pinesdale$1,494
Coram$1,421Polson$1,423
Corvallis$1,422Ronan$1,578
Darby $1,437Somers $1,479
Elliston$1,498Stevensville$1,523
Evaro$1,421Three Forks$1,512
Florence$1,456Troy $1,538
Glendive$1,543Walkerville$1,575
Hamilton$1,509Whitefish$1,604
Havre$1,548Worden$1,487
Huntley$1,476Kalispell$1,511

Billings Auto Insurance

Billings Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,007-23%
USAA$1,123-21%
GEICO$1,165-20%
Allstate$1,156-20%
State Farm$1,176-20%
Travelers$1,234-18%
21st Century$1,256-18%
Farmers$1,298-17%

What is really neat about Billings are the Rimrocks. These are geological rock formations that have hiking paths ranging from easy to challenging for the outdoor enthusiast.

The Yellowstone Art Museum attracts thousands of visitors each year with a has focus on regional art. ZooMontana focuses on wildlife native to the region, including owls, bears, and native wolves.

Drivers looking for auto insurance quotes in Billings should include Progressive, USAA, and GEICO. These three insurers quoted an average cost of $1,167 for an annual policy.

The savings is over 20 percent compared to what the typical insurer is charged in Billings. State Farm and Allstate make the top five and are slightly higher than the previous three.

Least expensive insurance providers in Billings, Montana

Bozeman Auto Insurance

Bozeman Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,134-18%
USAA$1,145-18%
GEICO$1,167-18%
Allstate$1,189-17%
State Farm$1,245-15%
Travelers$1,265-15%
21st Century$1,287-15%
Farmers$1,298-15%

Bozeman is located in south central Montana and home to Montana State University (MSU). The city boasts the lowest unemployment rate in the state and one of the lowest in the nation. Outdoor manufacturing and recreation are the major contributors to a low unemployment rate.

The cheapest car insurance quotes are GEICO, Progressive, State Farm, USAA, and Allstate. State Farm, GEICO, and Progressive are the best for 45 and 55 year old drivers. For a 25 year old driver the best option would be Progressive. Savings are from 15 to 18 percent than the state average.

Least expensive insurance providers in Bozeman, Montana

Missoula Auto Insurance

Missoula Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,144-18%
USAA$1,147-18%
GEICO$1,169-18%
Allstate$1,233-17%
State Farm$1,276-15%
Travelers$1,211-15%
21st Century$1,224-15%
Farmers$1,287-15%

Missoula is known as the “Garden City” for its temperate climate and use to be completely under water. Home to the University of Montana, there is surfing downtown for high school and college students, and some claim the best craft beers come from Missoula.

In Missoula, Progressive, USAA, GEICO, Allstate, and State Farm had the lowest rates. These companies quoted rates on average of $1,144 – $1,276 which is approximately 15 to 18 percent less than the State average. For a 25 year old driver these best rates were from Progressive and GEICO.

Least expensive insurance providers in Missoula, Montana

Butte Auto Insurance

Butte Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Progressive$1,201-15%
USAA$1,233-14%
GEICO$1,256-14%
Allstate$1,376-12%
State Farm$1,377-12%
Travelers$1,365-12%
21st Century$1,387-11%
Farmers$1,365-12%

Home to the World Museum of Mining includes a collection of mining equipment and a memorial to all the miners who died while working. One of the leading world producers of copper and the majority is supplied to the United States. Since a mining town it is known for the worst mining accident in history – 168 men perished in a mining fire.

We found the best rates in Butte at GEICO, Progressive, State Farm, and USAA for former military and their dependents. To insure a vehicle with full coverage the rate range from $1,201 to $1,377 per year. The rates are over 10 percent less than the state average. However, Butte’s rate were one the highest compared to other regional cities.

Least expensive insurance providers in Butte, Montana

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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