Cheapest Car Insurance Montana
Montana Liability Insurance
Minimum Liability Requirements: 25/50/20
By Alexis Karapiperis | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- What is the Minimum Liability Insurance in Montana?
- All Coverage Options Explained
- Montana Auto Insurance
- Montana Liability Insurance: Is Montana a No Fault State?
- Average Cost: Montana Liability Insurance
- Montana Liability Insurance: Average cost for Liability
- Montana Liability Insurance: Who Has The Lowest Liability Price? (By City)
- Montana Liability Insurance: Factors that Effect Cost
- DISCOUNTS: Liability Insurance Montana
- Montana Liability Insurance & SR22
- Non-Owners Insurance: Montana Liability
- Liability VS Full Coverage: Which should you get?
- "Should I Get Full Coverage" Calculator
- Montana Liability Insurance: Should I Upgrade To Full Coverage?
- FAQ: Montana Liability Insurance
- Q1: What does Montana liability insurance cover?
- Q2: How can I find affordable liability insurance rates in Montana?
- Q3: Are there specific requirements for liability insurance in Montana?
- Q4: How much does insurance cost in Montana?
- Additional Helpful LInks
- INSURANCE SERVICES WE OFFER
- Montana Liability Insurance Article
What is the Minimum Liability Insurance in Montana?
The minimum liability insurance in Montana follows a 25/50/20 structure, meaning $25,000 coverage for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident. This basic coverage provides a safety net for drivers, but it’s crucial to recognize that it might not fully cover all expenses in severe accidents. However, for those seeking affordability, opting for this minimum coverage can meet legal requirements while keeping premiums manageable. Additionally, understanding the nuances of Montana’s liability insurance laws empowers drivers to make informed decisions when selecting their coverage levels.
Montana requires by law…….
| Bodily Injury Per Person | Bodily Injury Per Accident | Property Damage Per Accident |
|---|---|---|
| $25,000 | $50,000 | $20,000 |
There are other aditional coverages that may be added such as uninsured/underinsured motorist, comprehensive, collision, roadside assitance, and a few others. Those will all increase the policy. They do offer additional coverage that may be beneficial depending on your situation.
All Coverage Options Explained
Montana Auto Insurance
We’ve done the research for you to make it as easy as possible to understand coverages, and know exactly what coverages you want for your vehicle.
If you have any questions at all, don’t hesitate to call or chat with one of our licensed agents!
• Coverage that pays for bodily injury and property damage when you’re at fault in an accident. It does not cover you or your vehicle. An easy way to put is imagine you and your car have a bubble around it. Liability coverage covers everything that’s outside the bubble if you are at fault in an accident.
[Liability is required in 49 states and the District of Columbia. The only state that does not require liability insurance is New Hampshire.]
• Coverage helps cover cost of damages to your vehicle from accidents that are not collision related. A great example is theft and vandalism or hail damage.
• Comprehensive carries a deductible. In most cases you get to select the deductible. The higher the deductible you choose – the cheaper your insurance will be. So if choose a $1,000 deductible and your car gets damaged by hail; you will have to pay $1,000. Then insurance will pick up the remaining cost.
• Coverage that helps pay for damages to your vehicle from an accident, regardless of who is at fault. A good example would be if you back into a concrete pole in a parking lot. Collision insurance will help you pay for that damage.
• Just like comprehensive insurance – collision insurance typically carries a deductible. So before insurance will pay for the damage associated with you backing into the pole, you’d have to pay your deductible.
• These coverages cover you if you and your passengers are in an accident with someone who doesn’t have any insurance or doesn’t have enough insurance.
• Is to help cover the cost of you or your passengers medical expenses regardless of who was at fault for the accident.
• Rental reimbursement is an added coverage to help cover the cost of a rental while your vehicle is being repaired after a covered claim was made to the insurance company. Insurance companies give you a certain dollar amount per day towards a rental.
• Roadside assistance is another added coverage to cover the cost of when you: need a tow, run out gas, lock yourself out of your car, need a jumpstart, or need help putting the spare tire on after a flat.
Montana Liability Insurance: Is Montana a No Fault State?
The short answer is no. In Montana the financial responsibility falls on the driver found at least 50 percent negligent in the accident.
After an accident if you were found not at fault there are a few ways you can proceed:
- File a claim with your own insurance. They will more than likely then reach out to the at fault drivers insurance company and file a subrogation claim. Which in the ends makes them the ones paying the claim.
- File a third party claim directly with the at fault drivers insurance company.
- File a lawsuit against the at fault driver in civil court. This should only be considered if the driver is uninsured.
Average Cost: Montana Liability Insurance
Below is a table showing average monthly cost for liability only insurance in Montana.
It is important to note that these are not guaranteed rates. There are several factors that impact the cost of a policy.
| Insurance Company | Average Monthly Cost |
|---|---|
| Progressive | $82 |
| Geico | $84 |
| Dairyland | $85 |
| The General | $91 |
| National General | $97 |
| AssuranceAmerica | $98 |
| Mendota Ins. Company | $100 |
| Travelers | $114 |
Montana Liability Insurance: Average cost for Liability
| City | Price |
| West Glendive | $89.00 |
| Livingston | $95.00 |
| Butte-Silver Bow | $87.00 |
| King Arthur Park | $88.00 |
| Columbus | $95.00 |
| Conrad | $86.00 |
| Seeley Lake | $109.00 |
| Helena Valley Southeast | $102.00 |
| Malmstrom AFB | $105.00 |
| Montana City | $90.00 |
| Columbia Falls | $108.00 |
| North Browning | $102.00 |
| Orchard Homes | $92.00 |
| Deer Lodge | $86.00 |
| Helena Valley Northeast | $97.00 |
| Havre | $109.00 |
| Helena Valley West Central | $90.00 |
| Frenchtown | $99.00 |
| East Missoula | $94.00 |
| Shelby | $97.00 |
| Big Timber | $101.00 |
| Fort Benton | $98.00 |
| Clancy | $87.00 |
| Libby | $110.00 |
| Lewistown | $104.00 |
| Red Lodge | $109.00 |
| Roundup | $110.00 |
| Glendive | $100.00 |
| Choteau | $102.00 |
| Miles City | $104.00 |
| Lolo | $100.00 |
| Lame Deer | $109.00 |
| Three Forks | $90.00 |
| Bozeman | $106.00 |
| Bigfork | $99.00 |
| Dillon | $87.00 |
| Great Falls | $97.00 |
| Stevensville | $96.00 |
| Plentywood | $107.00 |
| Glasgow | $100.00 |
| Missoula | $105.00 |
| Polson | $106.00 |
| Sidney | $101.00 |
| Crow Agency | $99.00 |
| Lockwood | $100.00 |
| Four Corners | $86.00 |
| Helena Valley Northwest | $107.00 |
| Baker | $94.00 |
| Townsend | $105.00 |
| East Helena | $86.00 |
| Manhattan | $100.00 |
| South Browning | $106.00 |
| Pablo | $102.00 |
| Ronan | $87.00 |
| Laurel | $92.00 |
| Anaconda-Deer Lodge County | $91.00 |
| Hardin | $102.00 |
| Wolf Point | $106.00 |
| Malta | $105.00 |
| Hamilton | $102.00 |
| Kalispell | $109.00 |
| Belgrade | $88.00 |
| Helena | $91.00 |
| Evergreen | $102.00 |
| Big Sky and Cut Bank | $110.00 |
| Bonner-West Riverside | $106.00 |
| Lakeside | $93.00 |
| Eureka | $107.00 |
| Billings | $103.00 |
| Whitefish | $104.00 |
| Thompson Falls | $91.00 |
| Sun Prairie | $107.00 |
| Forsyth | $88.00 |
| Fort Belknap Agency | $86.00 |
Montana Liability Insurance: Who Has The Lowest Liability Price? (By City)
| City | Company |
| Sidney | Geico |
| Lame Deer | Progressive |
| Frenchtown | National General |
| Anaconda-Deer Lodge County | Progressive |
| Butte-Silver Bow | Dairyland* |
| Evergreen | National General |
| Bigfork | National General |
| Havre | Liberty Mutual |
| East Missoula | Dairyland* |
| Hamilton | Bristol West |
| Fort Belknap Agency | The General |
| Orchard Homes | Geico |
| Columbia Falls | Progressive |
| Four Corners | Bristol West |
| Three Forks | Progressive |
| Pablo | Geico |
| Helena Valley Northeast | Geico |
| Forsyth | The General |
| Big Sky and Cut Bank | The General |
| Townsend | Geico |
| Wolf Point | Progressive |
| Great Falls | Farmers |
| Roundup | Geico |
| North Browning | National General |
| King Arthur Park | The General |
| Thompson Falls | The General |
| Belgrade | Liberty Mutual |
| Seeley Lake | Progressive |
| Bonner-West Riverside | Progressive |
| Ronan | National General |
| Dillon | Progressive |
| Kalispell | The General |
| Fort Benton | Bristol West |
| Helena | Bristol West |
| Manhattan | Progressive |
| West Glendive | Bristol West |
| Laurel | Bristol West |
| Big Timber | National General |
| East Helena | Geico |
| Malta | Dairyland* |
| Billings | Geico |
| Bozeman | Progressive |
| Columbus | Liberty Mutual |
| Helena Valley Southeast | Geico |
| Glasgow | The General |
| Lolo | National General |
Montana Liability Insurance: Factors that Effect Cost
When it comes to Montana auto insurance there are several things that will effect what you have to pay for insurance. If you want to save money on your car insurance, being aware of these factors will help.
| Factors |
|---|
| Age |
| Continuous Insurance |
| Driving History |
| Claim History |
| Type of Vehicle |
DISCOUNTS: Liability Insurance Montana
When it comes to discounts there are several options available for your Montana auto insurance policy. (Please note not all discounts are available with all carriers)
| Bundle with other insurance | Paperless |
| Auto Pay | Advanced Quote |
| Defensive Driver Course | Good Student/Teen Driver |
| Education | Proof of Continuous Insurance |
While there are additional discounts as well, the main are listed above. A little more about each one is below.
Bundling: When you combine auto insurance in Montana with a homeowners, motorcycle, atv, rv, or other policy you will receive a discount.
Auto Pay: Companies offer substantial discounts when you enroll in auto pay. More specifically they offer larger discounts if you use your checking account and routing number for auto pay instead of a debit/credit card.
Defensive Driver Course: If you have completed and have proof of a defensive driver, let your agent know so that you receive this discount.
Education: If you have completed education beyond high school, are currently in school, let your agent know because this is another discount.
Paperless: It is 2022, paperless is the way to go! We can still have an ID card mailed out to you. However with paperless you won't receive a copy of your bill in the mail every month.
Advance Quote: If you are looking for insurance at least a week prior to needing the policy starting, you can get a discount!
Good Student/Teen Driver: Depending on the carrier, if you have a new driver on your policy there is a potential for a discount. Good grades for a student will require proof.
Continuous Insurance: Insurance carriers want to see a MINIMUM of 6 months with your most recent carrier. When they say 6 months, they mean a minimum of 6 months to the day. That means one full 6 month policy term minimum
Montana Liability Insurance & SR22
An SR22 is a state filling. It is an additional form attached to your auto policy in Montana that allows the state to better track your insurance.
An SR22 is typically required after a major auto violation or accident. There also other reasons such as driving without insurance.
Once you are required to have an SR22, the state of Montana will require to have it for a set amount time. It is important to avoid a lapse in coverage. If you have a lapse in coverage it may extend the period of time you are required to have the SR22 in Montana.
A concern for a lot of Montanan's is that they do not own a vehicle but are required to have an SR22. In this case you would want to speak with one of skilled agents regarding a non-owners policy.
Non-Owners Insurance: Montana Liability
Non-Owners insurance is a type of policy that meets the state requirements for liability in Montana when you do not own a vehicle. It does allow for an SR22 to be added. However, coverage is limited.
Non-Owners does not allow for certain coverages to be added. The only coverage available outside of liability is uninsured motorist and medical payments. Comprehensive & Collision, Roadside Assistance, and Rental Reimbursement can not be added to this type of policy.
These policies also do not allow for additional drivers to be added.
Non-Owners policies are also restrictive when it comes to which vehicles you are covered to drive. Typically you cannot drive any vehicle that you have regular access to or is registered to a household member. The best way to confirm this information is by speaking with one of our wonderful agents.
Liability VS Full Coverage: Which should you get?
While liability insurance may be the cheapest option, there a few things to consider.
Below is a calculator to help determine what type of coverage you should get. However, if you are unsure our agents don't mind giving you a quote for both!
"Should I Get Full Coverage" Calculator
Montana Liability Insurance: Should I Upgrade To Full Coverage?
| City | Price |
| Great Falls | $161 |
| Hamilton | $176 |
| Columbia Falls | $156 |
| King Arthur Park | $181 |
| Dillon | $155 |
| South Browning | $156 |
| Lame Deer | $146 |
| Helena | $182 |
| Lakeside | $172 |
| Anaconda-Deer Lodge County | $175 |
| Kalispell | $162 |
| Hardin | $151 |
| Fort Benton | $148 |
| Polson | $150 |
| Evergreen | $148 |
| Big Sky and Cut Bank | $170 |
| Forsyth | $182 |
| Pablo | $167 |
| West Glendive | $170 |
| Choteau | $161 |
| Ronan | $174 |
| Lewistown | $165 |
| Plentywood | $171 |
| Helena Valley West Central | $150 |
| North Browning | $147 |
| Billings | $176 |
| Orchard Homes | $178 |
| Columbus | $161 |
| Helena Valley Northeast | $176 |
| Laurel | $176 |
| Lockwood | $176 |
| Four Corners | $164 |
| Manhattan | $170 |
| Glendive | $178 |
| Shelby | $179 |
| East Helena | $170 |
| Deer Lodge | $175 |
| Fort Belknap Agency | $163 |
| Missoula | $171 |
| Helena Valley Northwest | $181 |
| Livingston | $171 |
| Crow Agency | $164 |
| Malmstrom AFB | $174 |
| Wolf Point | $157 |
| Thompson Falls | $176 |
| Belgrade | $172 |
| Montana City | $179 |
| Glasgow | $179 |
| Stevensville | $158 |
| Butte-Silver Bow | $182 |
| Sidney | $164 |
| Red Lodge | $173 |
| Whitefish | $176 |
| Frenchtown | $157 |
| Malta | $175 |
| Helena Valley Southeast | $174 |
| Bonner-West Riverside | $171 |
| Libby | $178 |
| Conrad | $173 |
| Sun Prairie | $160 |
FAQ: Montana Liability Insurance
Q1: What does Montana liability insurance cover?
Montana liability insurance typically covers bodily injury and property damage that you may be responsible for in an accident. It is mandatory coverage in the state, and A Plus Insurance can help you understand the specific coverage options available.
Q2: How can I find affordable liability insurance rates in Montana?
To find affordable liability insurance rates in Montana, contact A Plus Insurance. We shop multiple carriers to ensure you get the best rates. For personalized assistance and a free quote, call us at 1.888.445.2793.
Q3: Are there specific requirements for liability insurance in Montana?
Yes, Montana has specific requirements for liability insurance. Minimum coverage is mandatory, and A Plus Insurance can guide you through these requirements to ensure you have the necessary coverage. For more information, call us at 1.888.445.2793.
Q4: How much does insurance cost in Montana?
The cost of insurance in Montana can vary depending on several factors, including your coverage needs, driving history, and the type of insurance you choose. For a personalized quote and to discuss your specific situation, please call A Plus Insurance at 1.888.445.2793.
Additional Helpful LInks
| Additional Montana Insurance |
|---|
| Montana Insurance |
| Montana Homeowners Insurance |
| Montana Motorcycle Insurance |
| Montana Motor Vehicle Division |
| Montana Auto Insurance Laws |
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Montana Liability Insurance Article
Headline: Montana Liability Insurance
Description: Understanding Liability Insurance in Montana
Author: Learn and Serve Insurance
Publisher: Learn and Serve Insurance
Main Entity URL: https://learnandserve.org/montana-liability-insurance/
Article Body:
- Montana liability insurance is crucial for protecting yourself and your assets. Here's what you need to know:
- Liability insurance provides coverage in case you're found responsible for injuries or damages to others.
- It's a mandatory requirement for drivers in Montana.
- Liability insurance can cover medical expenses, property damage, and legal fees.
- The minimum liability coverage limits in Montana are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
- To ensure you have the right liability insurance coverage, call us at 1.888.445.2793.
- Our expert team will guide you through the options and help you get the protection you need in Montana.
Last Updated on by Brian Muse