Montana Auto Insurance Guide

If you are planning on driving in the state of Montana, you better be certain your auto insurance policy meets their auto insurance requirements. In Montana if you are caught driving a car without the required auto insurance coverage, you could face some very expensive penalties and possibly some other consequences. The state of Montana takes their auto insurance laws very seriously. This is how they keep it safe to drive in the state, which in turn keeps the cost of auto insurance down.

Montana Insurance Regulations

In the state of Montana all automobiles must have at least liability coverage. This liability coverage must include coverage for injury or death of a person if you are involved in a car accident. This coverage must be at least $25,000. You must also have $50,000 to cover any injury or death to two or more people if you are involved in a car accident. And lastly, you should have $10,000 to cover damage to anyone's property should become involved in a car accident. You must also keep proof of this liability coverage with you and in your vehicle at all times so that you can show it if necessary.

Mandatory Minimum Coverage in Montana

The minimum auto insurance in Montana is Liability 25/50/10 as described above whereas the $25,000 is for bodily injury to one person in an accident, $50,000 is for bodily injury to two or more people in an accident and $10,000 is for property damaged due to the accident. You should also be certain you always have your proof of auto insurance with you at all times otherwise you could face a fine of $500 or more and possibly 10 days in jail.

Motorcycle Coverage Requirements in Montana

Motorcycle coverage is not the same as auto insurance laws in Montana. The state of Montana does not require liability insurance for motorcycles.

Montana Auto Insurance Advice

If you are driving an automobile in Montana, you want to be certain you have the proper auto insurance and you want to carry it with you at all times. Driving without the required auto insurance in the state of Montana is not only dangerous but due to the fact that driving without auto insurance is a misdemeanor, you run the risk of very expensive fines. If you are caught without having the proper auto insurance coverage, you could face a fine between $250-$500 or 10 days in jail for the first time. The second time you are caught driving without the proper auto insurance coverage, the fine increases to no less than $300 but it could be more. You may also be required to spend 10 days in jail and your license will be suspended for 90 days.