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Montana Car Insurance

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Here's what you need to know when driving in Montana

Across the Treasure State, there are 151,209 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.

Car Insurance Laws

Minimum insurance requirements in Montana

In Montana, the minimum coverage requirement is liability with limits of:
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident
Optional coverage in Montana (varies by carrier):
  • Comprehensive
  • Collision
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury
  • Additional Liability

Liability coverage is legally required in Montana and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Montana, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Montana but higher coverage amounts are available with most companies.

Top Montana Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.

Car Insurance FAQs

Are digital insurance cards accepted in Montana?


What does this mean for you?

While laws are rapidly changing, many states do not accept digital insurance cards including Montana. This means you will need a physical insurance card to provide valid proof-of-coverage when necessary.

Do I need uninsured motorist coverage in Montana?

Uninsured Drivers in Montana




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

How much does car insurance cost in Montana cities?

Rank City Avg. Annual Premium
1 Whitefish $1,201
2 Columbia Falls $1,200
3 Evergreen $1,199
4 Kalispell $1,199
5 Polson $1,171
6 Livingston $1,135
7 Havre $1,115
8 Lewistown $1,109
9 Sidney $1,104
10 Miles City $1,103
11 Glendive $1,085
12 Belgrade $1,074
13 Anaconda-Deer Lodge $1,071
14 Butte-Silver Bow $1,067
15 Bozeman $1,066
16 Lockwood $1,061
17 Hamilton $1,057
18 Great Falls $1,047
19 Orchard Homes $1,032
20 Missoula $1,031
21 Helena $1,014
22 Billings $1,002
23 Laurel $998

More questions?

Check out other FAQs and ask your own Montana car insurance questions here.
Driving Laws

Montana Texting and Driving Laws

  1. There's no law against texting and driving in Montana but we strongly urge you to keep it at 10 and 2!
Alcohol Related Fatalities


Per Year in Montana
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Cheap Car Insurance

It's expensive to get car insurance in Montana!

Dang! Montana is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Montana might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.
What's the cheapest car insurance in Montana?
Rank Company Name Avg. Annual Premium
1 Safeco $549
2 Progressive $961
3 USAA $1,034
4 State Farm $1,080
5 MetLife $1,163
6 National Farmers Union $1,216
7 Allied $1,322
8 Farmers $1,557
9 Cal Casualty $1,584
10 GEICO $1,706
11 Allstate $2,049
12 Farmers Union Insurance N/A

Montana Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Montana area, while also getting an insider view of the Treasure State.

Click here to learn more.


So, Montana students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • This is not a traditional video essay. We do not want an extended selfie of your face (as lovely as it is) speaking to the camera. Make sure your video includes creative visual elements.
  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original two to five minute video. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59pm CST on December 31, 2016.
  • Winner(s) will be selected and notified by e-mail by January 15, 2017.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.