Montana Auto Insurance

Driving in Big Sky Country

A state known for a horizon of never ending sky that sweeps across its plains, big sky country is also big mountain country. Montana is a Great Plains state but gets its name from the Spanish word for mountain. With the northern Rocky Mountains cutting through the western part of the state, Montana has some spectacular road trips across the Continental Divide. If you’re driving east on Interstate 90 from Bozeman to Butte or heading up state Highway 87 from Billings, all motor vehicles registered in the state and driving on public roads need to be covered by at least the minimum Montana car insurance requirements. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Montana auto insurance quote today.

Montana Car Insurance Laws

Car Insurance in Montana

Is car insurance required in Montana? Yes.
All Montana registered vehicles that operate on public roads must:

  • Be covered by at least the minimum liability limits

All Montana drivers must:

  • Be able to show proof of insurance

To learn more about Montana car insurance rates, get your Montana car insurance quote today.

Auto Insurance Requirements in Montana

What is the minimum car insurance coverage in Montana?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Montana Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Insurance in Montana

If you get caught driving without car insurance in Montana, the first offense penalty is a misdemeanor with a citation of between $250 and $500 or up to 10 days in jail.

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility. All Montana drivers must be able to show evidence that they’re insured if asked to do so by a law enforcement officer.

Is proof of insurance required in Montana?
Yes. Proof of insurance in Montana is required for:

  • Vehicle registration
  • Renewing license plates
  • Traffic stops

Proof of insurance in Montana can include:

  • An insurance ID card issued by your insurance company
  • Verification through MTIVS

Is electronic proof of insurance accepted in Montana?
No. However, the Montana state police can electronically verify insurance through MTVIS.

Montana Insurance Verification System

Proof of auto insurance in Montana can be electronically verified by state police through the Montana Insurance Verification System. MTIVS is used by state police officers at the scene of traffic stops to verify proof of insurance and minimum car insurance liability requirements.

All car insurance companies in Montana that write policies in the state provide MTIVS with information that allows the system to confirm if a motor vehicle has Montana minimum auto liability insurance coverage.

Proof of Financial Responsibility in Montana

What is proof of financial responsibility?

It’s evidence that you have the ability to pay for potential damages caused by your car.

Is Proof of Financial Responsibility Required in Montana?

Yes. There are several ways to establish financial responsibility in Montana. The most common and easiest way is to buy Montana auto liability insurance.

Recommended Auto Insurance Coverage

If you’re involved in an accident, the minimum car insurance requirements in Montana may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive and medical payments to your policy.

All car insurance companies in Montana offer policies to cover Montana auto insurance coverage requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an Montana car insurance quote.

Montana Auto Insurance Coverage Options

In addition to car insurance coverage required in Montana and our popular auto insurance coverage options, Montana drivers also have the option to choose:

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months, or $100 with an annual policy renewal, for a maximum of up to $500. Plus, increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Montana Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Montana. In addition to our popular car insurance discounts, Montana drivers have even more ways to save.

Active National Guard and U.S. Military

Montana drivers who are active members of the National Guard or U.S. military and have successfully completed an approved accident prevention course are eligible to receive an auto insurance discount good for two years.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Montana car insurance quote today and start saving tomorrow.

More Than One Policy

Montanans who also have an active home, condominium or renters policy with Safeco may qualify for an auto insurance discount.

Keep a Clean Driving Record

Montana drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Young Drivers in Montana

Getting Your First Driver’s License

Minimum age to get a learner’s license in Montana: 14 1/2
Minimum age to get a first-year restricted license in Montana: 15
Minimum age to get a full driver’s license in Montana: 16

  • Driver’s under the age of 18 must have parental consent and complete the Montana graduated driver licensing process.
  • Teen drivers with a first-year restricted license in Montana may not drive between 11:00 p.m. and 5:00 a.m. except for some exceptions like emergencies, farming, traveling to school, work, church or activities authorized by their parents.
© 2017 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.