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 at-fault state for car insurance claims.

Field report · MT

Car insurance in Montana

Montana is a at-fault state with a minimum liability requirement of25/50/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/20

Fault systemAt-fault

Uninsured motoristNot required

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

Illustrative estimate: roughly $500-$530/year for minimum coverage.

Why this is a range, 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 ourcost calculator for a figure based on your own details, orget 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 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.

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