What is the minimum car insurance requirement in Montana?

Montana requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Is Montana an at-fault or no-fault state?

Montana is an at-fault state for car insurance claims.

Field report · MT

Car insurance in Montana

Montana is an at-fault state with a minimum liability requirement of 25/50/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/201

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorMotor Vehicle Division (MVD), Montana Department of Justice

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Not mandatory; insurers must offer UM (25/50) but the driver can reject it.

Estimated cost

$408 a year for minimum coverage, $2,395 for full coverage2

Average annual premiums in Montana for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Required after a DUI conviction or being caught driving without insurance, typically for about 3 years.

Local conditions worth knowing

Montana has one of the highest rates of vehicle-wildlife collisions in the US (deer, elk, moose on rural highways), a widely-cited real risk that makes comprehensive coverage particularly relevant.

Frequently asked

What is the minimum car insurance requirement in Montana?: Montana requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.
Is Montana an at-fault or no-fault state?: Montana is an at-fault state for car insurance claims.
Do I need an SR-22 in Montana?: Required after a DUI conviction or being caught driving without insurance, typically for about 3 years.
Is uninsured motorist coverage required in Montana?: Not mandatory; insurers must offer UM (25/50) but the driver can reject it.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

See what fits your situation in Montana

Two minutes, no phone number required until the last step.

Start the match →