Instant Montana Car Insurance Quote – MT Auto Insurance

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As a Montana driver you should get several Montana car insurance quotes. You can get started now with the form above. Just follow the simple instructions and you’ll have one or more quotes in no time.

On the other hand you may wish to learn a little bit more about Montana’s own unique insurance requirements. Therefore, you can find basic information about auto insurance in the state below. Everything from legal issues to average insurance rates. The more you know, the better the insurance policy you can choose for yourself.

Minimum Auto Insurance Requirements In Montana

If you drive in Montana you’ll need to purchase liability insurance. While it is the only type of insurance you are required by law to buy, you should at least consider other types outlined below.

In terms of mandatory liability insurance you are required to purchase at least the following amounts:

  • $25,000 for the bodily injury to or death of one person in any one accident;
  • $50,000 for the bodily injury to or death of two or more persons in any one accident;
  • $10,000 for the injury to or destruction of property of others in any one accident.

Just keep in mind that these are insurance minimums only. There is nothing keeping you from purchasing higher limit liability insurance. In fact given how expensive car accidents have become, it is really a good idea to get more.

You should also know that licensed Montana companies are required to offer you uninsured motorist coverage when you sign-up for a policy. This coverage is an extremely good idea, but is not mandatory. However unlike other optional coverages, you have to opt-our rather than opt-in.

Finally if you have borrowed money to purchase or lease a vehicle, your lender can legally require you to have collision and/or comprehensive coverage included in your policy. If you fail to purchase this insurance voluntarily, they can buy it for you and charge you the premiums. In almost all situations it is better to shop for this coverage on your own.

Thus, while liability insurance is required in almost all circumstances (see below for rare exceptions), other types are only required in certain specific ones. In any case, you should at least consider higher liability insurance limits along with the other coverage options mentioned above, even if you are not required to buy them by law.

Montana State Auto Insurance Laws

Like all states Montana has a huge collection of laws related to owning and operating a vehicle. Broadly speaking most of these laws can be found in Title 61 of the Montana Code. Most insurance laws can be found in Chapter 6 of Title 61 – Responsibility of Vehicle Users and Owners. Here are just a few important things to know.

First, as has already been stated above, but can never be repeated enough, insurance is mandatory in Montana. You can learn more about how much of each type you need above. You should also be aware that auto insurance is based around tort law (known as at fault) in the state. Essentially if you cause an accident you are financially responsible. Your insurance will pay up to your policy limits and then all additional costs are your responsibility.

Proof of insurance is very important to have on you whenever operating your motor vehicle. Failure to show proof or worse not having insurance altogether can result in some pretty severe penalties. The penalties after each conviction can include but are not limited to:

First conviction:

  • A fine between $250-$500 and/or;
  • up to 10 days in a county jail.

Second conviction:

  • A fine of $350 and/or;
  • up to 10 days in a county jail.
  • Surrender of the vehicle registration and license plates until proof of insurance can be demonstrated.
  • After proof is shown, a 90 day restricted registration will be allowed (vehicle to be used for employment purposes only), followed by full registration.

Third and subsequent convictions:

  • A fine of $500 and/or;
  • up to 6 months in a county jail.
  • Surrender of the vehicle registration and license plates until proof of insurance can be demonstrated.
  • After proof is shown, a 180 day restricted registration will be allowed (vehicle to be used for employment purposes only), followed by full registration.
  • Suspension of your driver’s license until the department determines that you eligible for a new one.

As you can see, the law is strict when it comes to having insurance. However, certain vehicles are exempt from Montana’s Insurance law, yet may still require other forms of insurance. Some examples of vehicles that may not have to purchase standard motor vehicle insurance include:

  • government owned vehicles (federal, state or local);
  • vehicles which have covered their insurance liability in other ways (cash, securities, or a bond deposited or filed with the department);
  • implements of husbandry or other mobile equipment;
  • a motorcycle or quadricycle (other insurance is required);
  • human and/or animal power vehicles;
  • a vehicle owned by a nonresident that has coverage at least equal to that required by the state of Montana.

You should always assume insurance is required, unless explicitly told otherwise by either the Commissioner of Insurance’s office or a licensed and registered insurance agent or company, legally authorized to do business in the state. Assume all insurance requirements, minimums and laws listed above apply to you.

Montana Car Insurance Companies

There are a large number of insurance companies licensed to sell auto insurance in Montana. You can find all of them using the Commissioner of Insurance’s find an agent/company page. This resource provide a complete listing of every insurance agent and company allowed to sell insurance in the state.

While, this is an extremely valuable tool it might not help you find insurance in a time effective manner. You can of course find a company using our free car insurance quote tool, found at the top and bottom of this page. Additionally, you may wish to visit the webpages of the state’s largest insurers. The following companies are all among the largest in Montana and provide detailed rate information to the state (see rate section below):

Allied Insurance

Allstate

Farmers Insurance

Kemper Corporation (formerly Unitrin)

Liberty Mutual Group

Mountain West Farm Bureau Insurance

Progressive

Safeco Corporation

State Farm

Travelers

USAA

You may wish to do a little homework about potential insurance companies before buying a policy. Pay special attention to their financial stability and complaints against them. If you ever have a complaint with your insurer, you may wish to file it with the Insurance Commissioner.

In most cases, one or more of the insurance companies listed above will be willing to sell you an insurance policy. However if none of them will, then it may be time to check out the Montana assigned risk plan. It helps bring drivers and insurers together.

Average Montana Auto Insurance Rates

Knowing what average Montana auto insurance rates are is not really that helpful to you getting a cheaper insurance policy. So many factors affect the price paid for one, that you are better off focusing on things you can do to lower your premiums; rather than focusing on what your neighbor is paying for his insurance. The Auto Insurance Rate Comparison Guide gives you sample premiums from the largest insurers (listed above) under a variety of situations.

Still if you would like to know more about average Montana car insurance rates, there is good news. The state is cheaper than the national average. In 2008, the Insurance Information Institute found the state had average annual premiums of $667 per year; less than the US average of $789. In 2011, CarInsurance.com has also found that rates in Montana tend to be about $200 less per year on average than those found in the rest of the country.

Montana Car Accident Statistics

With all the open space, you would expect Montana to be a safe place to drive. In fact the opposite is true. The state is among the most dangerous in the nation to drive in. According to the Montana Department of Transportation, there were 20,967 crashes in 2009. These resulted in 225 total fatalities and 7,351 injuries; 1,110 of which were very serious.

The National Highway Traffic Safety Administration‘s (NHTSA) own statistics can help put this in perspective. The number of fatalities per 100 million vehicle miles traveled was 2.01 in Montana in 2009 compared to a US average of just 1.14. Therefore, you have a 75% greater chance being killed by a vehicle in Montana than you do in the rest of the country.

The NHTSA (based on data provided in part by the State Highway Traffic Safety Bureau) has singled out the following 6 counties as being of particular concern: Yellowstone County, Flathead County, Missoula County, Lewis And Clark County, Rosebud County and Silver Bow County. Each recorded at least 10 fatalities in 2009.

Given the danger found on Montana’s roads you need to drive carefully. Don’t speed and always obey all traffic laws. Moreover, don’t drink and drive as the state’s rate of drinking and driving is 5 percentage points higher than the rest of the country. Staying safe on the road is good advice for life and for insurance.

Why You Should Get Montana Car Insurance Quotes

Montana car insurance quotes are the only true way to shop around for coverage. And, shopping around for coverage is the only way you can reduce your auto insurance premiums in the short term. Thus, you need to get them if you don’t want to overpay for your policy.

Moreover, you need to get quotes from multiple sources. While we offer a wide selection of companies you can get quotes from, we can not guarantee to offer access to the lowest rates. Moreover, car insurance rates usually change every few months. So, you should keep on checking back every once in a while to stay up to date.

Safety while you’re on the road is very important. Having a good insurance policy to cover you, will surely help to leave some of your worries behind. And with the help of a Montana car insurance quote, you are more likely to find cheap insurance coverage that fits your budget. Get started now:

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Local Montana Insurance Information

Billings

More Information

Montana – State Auditor and Commissioner of Insurance and Securities

Driver Services – MT Dept of Justice

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