Comparing auto insurance in Montana is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Montana drivers may want to consider comprehensive coverage because rural driving, long distances between services, winter weather, hail, flooding, wildfire-related damage and wildlife collisions can create risks that state-minimum liability coverage will not pay for.
Montana average rates are below Bankrate’s listed national averages for minimum coverage and slightly below the national full coverage average, but premiums can rise after speeding tickets, at-fault accidents, DUI convictions, poor credit or coverage lapses.
25/50/20
Montana requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one accident, and $20,000 property damage liability.
At Fault
Offer/Rejection Rule
PIP is not required in Montana. Montana is an at-fault state, so injury and property damage claims generally depend on who caused the crash.
Required
Montana auto liability policies must include uninsured motorist bodily injury coverage in limits matching the state bodily injury minimums, but the named insured has the right to reject the coverage.
Source: Montana Motor Vehicle Division
Recent rate data estimates Montana annual auto insurance premiums at about $2,395 for full coverage and $408 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $408 | $34 |
| Full coverage | $2,395 | $200 |
| Full coverage with speeding ticket | $2,758 | $230 |
| Full coverage after at-fault accident | $3,130 | $261 |
| Full coverage after DUI | $3,838 | $320 |
| Full coverage with poor credit | $4,597 | $383 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Montana minimum coverage focuses on required protection such as Montana requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one accident, and $20,000 property damage liability.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Montana MVD guidance refers to providing proof of liability insurance to the Records and Driver Control Unit after certain suspensions or reinstatement situations. I did not find a dedicated official Montana MVD SR-22 explainer page, so drivers should follow the specific notice they receive from the MVD or court and confirm whether an SR-22 filing is required.
Montana does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Montana auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Montana drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, low-mileage and telematics discounts. Montana’s insurance department also points drivers age 55 and older to approved defensive driving courses that may qualify for an auto insurance discount.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | USAA |
| 3 | State Farm |
| 4 | Progressive |
| 5 | Allstate |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Montana cities:
Montana requires 25/50/20 liability coverage: $25,000 bodily injury liability for one person, $50,000 for two or more people in one accident, and $20,000 property damage liability.
No. Montana is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Montana.
Montana policies must include uninsured motorist bodily injury coverage, but the named insured has the right to reject it. Drivers should review any UM rejection form carefully before declining coverage.
Bankrate lists Montana’s average annual cost at $2,395 for full coverage and $408 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
Montana may require proof of liability insurance after certain suspensions or reinstatement situations. I did not find a dedicated official Montana MVD SR-22 explainer page, so drivers should follow the specific MVD or court notice they receive and confirm whether an SR-22 filing is required.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
