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Minimum State Insurance Requirements » Montana

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



Montana Car Insurance Information

Obtaining Montana Car Insurance Information is the best way to learn the state insurance requirements and find the best insurance company for you, remain in compliance of state laws and protect yourself financially. In Montana, unique geographic features and weather conditions mean that carrying appropriate car insurance is essential.

Montana Car Insurance Information

Montana is among the largest states in the United States, but yet has one of the smallest populations. The area is known for breathtaking scenery, mountains and wide open spaces. Wild fires and harsh winters are two potential hazards drivers must contend with. This combination of factors add up to sometimes treacherous driving conditions. Do these conditions have an effect on car insurance rates and required coverage for Montana residents? Average auto insurance premiums in Montana actually fall just about in the middle when compared to other states, as do the state minimum liability coverage requirements.

Car Insurance Minimum Requirements

Any state that has an insurance requirement mandates minimum liability coverage amounts. The requirements are broken into three numbers that relate the minimum amount of coverage that must be carried by a driver to protect him or herself and others in the event of an accident. The three types of coverage are: injury liability per person, injury liability per accident, and property damage. In Montana, drivers are required to carry $25,000 in injury liability per person, $50,000 in liability per accident and $10,00 in property damage coverage. These numbers are larger than some states, and smaller than others with very large requirements; making Montana about average in terms of minimum coverage requirements.

Car Insurance Companies

Montana residents have a wide variety of car insurance companies to choose from, spread throughout the large state. In a state like Montana, where residents are spread out rather than concentrated into large populated areas, there is a need for insurance companies in many different areas of the state. Many of the car insurance companies also offer services by phone or e-mail for residents who live in very remote areas.

Free Car Insurance Quotes for Montana

Comparing rates and coverage by obtaining free car insurance quotes is the best way to stay in compliance of state car insurance laws and protect yourself in the event of an accident or other event. Comparing rates allows you to find the best coverage for you and get the best deal. [] gives drivers one convenient place to compare free car insurance quotes from many car insurance companies and get the best deal.

Car Insurance Rates

The average annual insurance premium in Montana is currently $1,222 per year. This rate means that the car insurance rates in Montana are about average, with cheaper rates in about half of the other states, and more expensive rates in the other half. Comparing rates at several car insurance companies and maintaining a clean driving record are the best ways to get the best car insurance rate.