Car Insurance in Montana

Drivers must carry liability coverage with minimum limits of $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage.

Rates depend on factors like age, driving history, credit score, type of vehicle, location, and the coverage selected.

Some of the most affordable providers for many drivers in Montana include Branch and Progressive, depending on your eligibility and needs.

Savings strategies include bundling policies, increasing deductibles, taking defensive driving courses, and qualifying for discounts like good student or multi-car.

Penalties for driving uninsured include fines, license suspension, higher insurance premiums for future coverage and potential jail time.

Yes, credit scores can influence insurance rates. Drivers with higher credit scores generally receive lower premiums.

Teen drivers often have higher premiums due to inexperience, but discounts may apply for good grades or completing driver safety courses.

The average annual cost is about $1,500 for full coverage and $400 for minimum coverage for one vehicle, though rates vary greatly based on driver profiles and vehicle age and type.

Uninsured motorist coverage is not required but is recommended to protect against accidents involving uninsured drivers.

Yes, as long as the policy meets Montana’s minimum liability requirements. However you must update your insurance upon establishing residency.