Does Montana require minimum car insurance coverage?

Yes. If you live and drive in Montana, you must carry liability coverage limits of at least:

  • $25,000 in bodily injury liability
  • $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 and 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 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 at Progressive was $116 per month in 2020.* Rates vary based on several factors, including the limits and coverages you choose, as well as your driving history and ZIP code.

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.

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

  1. Montana is one of the most dangerous states for driving in the snow, with Interstate 80 frequently shut down during snowstorms. Make sure you have good snow tires, and add collision coverage to protect against damage to your vehicle from accidents caused by icy roads.

  2. Montana ranked second in the nation for vehicle collisions with animals in 2019. Comprehensive coverage can pay to repair or replace your ride as a result of damage from an animal collision.

  3. Nearly 10% of Montana drivers were uninsured in 2015, according to the Insurance Information Institute. Add uninsured motorist coverage to your auto policy to protect against drivers with no insurance.

How to get car insurance in Montana

Go online

Customize your policy's coverages, limits, and deductibles.

Call us

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Ask an agent

Get expert advice from an independent agent near you.