Cheapest Car Insurance Montana
Montana Liability Insurance
Minimum Liability Requirements: 25/50/25
By Alexandra Vileikis | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
Cheap Auto Insurance Guide
- Montana Liability Insurance
- Montana Car Insurance Laws: Liability Insurance
- All Coverage Options Explained
- Montana Auto Insurance
- Is Montana a No Fault State?
- Average Cost: Montana Liability Insurance
- 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
- FAQ: Montana Liability Insurance
- Additional Helpful LInks
- INSURANCE SERVICES WE OFFER
Montana Car Insurance Laws: Liability Insurance
What is the state minimum for auto insurance in Montana?
Montana requires by law…….
$25,000 in bodily injury per person
$50,000 maximum in bodily injury per accident
$20,000 in property damage
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.
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: 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.
| 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
FAQ: Montana Liability Insurance
What does Montana liability insurance cover?
Liability insurance covers bodily injury and property damage to others when you are found at fault in an accident. It only pays out to the limits you select. After that you can be held personally liable for other expenses.
Can I switch to liability only insurance?
Yes. With most carriers you can change coverages at anytime during your policy.
What is required by Montana Auto Insurance Laws?
Montana requires all drivers operating a vehicle on a public road to have at least $25,000 per person in bodily injury, with a maximum per accident of $50,000, and $20,000 in property damage.
Additional Helpful LInks
| 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.
Last Updated on by Alexandra Vileikis