Montana auto insurance

With their steep inclines, narrow shoulders, wintery weather, and sometimes one-lane driving, the roads in Big Sky Country call for reliable car insurance in Montana. Check out Montana's auto insurance requirements, then turn to Progressive for the right coverage and discounts.

3 min to read

Does Montana require minimum car insurance coverage?

Yes, car insurance in Montana is required. Montana auto insurance requirements for drivers include these minimum liability coverage limits:

$25,000 in bodily injury liability per person
$50,000 in total bodily injury per accident
$20,000 in property damage liability

All drivers must meet Montana's car insurance requirements but consider increasing your auto liability coverage limits to better protect your assets.

Comprehensive and collision coverage can safeguard your vehicle

Do you lease or finance your vehicle? If so, your lender likely requires comprehensive and collision coverage. But even if you own your car, physical damage coverages can pay to repair or replace a stolen or damaged vehicle. Learn more about comprehensive coverage and auto collision coverage.

With Progressive's Name Your Price^® Tool, you're in the driver's seat. Let us know how much you can pay each month, and we'll show you coverage options that fit that range. Discover more about our Name Your Price Tool.

How much is car insurance in Montana?

The average cost for a liability-only auto insurance policy (single driver/single car) at Progressive was $70 per month in 2020-2021.^* Rates vary based on several factors, including the limits and coverages you choose, as well as your driving history and ZIP code. Progressive offers car insurance quotes for Montana drivers to help them find coverage and discounts.

Are there discounts that can lower the cost of my car insurance policy?

Progressive offers several discounts such as:

Online quote
Multi-car
Paid in full
Five-year claim-free
Multi-policy
Advance quote
Distant student

See all auto insurance discounts.

Pro tip:

Switch and save. Nationwide, customers who switch and save with Progressive save nearly $750 on average.^** Get a car insurance quote today.

Fast facts about driving and auto insurance in the Treasure State:

Montana ranked second in the nation for vehicle collisions with animals in 2020. Comprehensive coverage can pay to repair or replace your ride due to damage from an animal collision.
About 8.5% of Montana drivers were uninsured in 2019, according to the Insurance Information Institute. Add uninsured motorist coverage to your auto policy to protect against drivers with no insurance.
Montana allows electronic proof of insurance. You can use a digital ID card on your phone or other electronic device to display your policy information.