Get a Montana car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Montana
Montana auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMontana minimum car insurance requirements (25/50/20)
It's illegal to drive without car insurance in Montana. To drive legally, you need to have at least the following coverage amounts and minimums in Montana.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
Check out the Montana Commissioner of Securities and Insurance for more details.
Average car insurance cost in Montana, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Montana is about $1,440 per year.
Montana drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap car insurance in Montana?
Finding the cheapest car insurance in Montana may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
How do I lower my car insurance cost in Montana?
There are several steps you can take to help lower your car insurance costs in Montana:
- Bundle your policies: You may be able to save if you combine your auto insurance policy with home, condo, or renters' insurance.
- Look into additional discounts: With Liberty Mutual, you may be eligible for additional discounts if you buy your policy online or insure multiple vehicles.
- Try RightTrack®: Our safe driving program can reward you for good driving habits with savings of up to 30% on your policy premiums.3
- Review your coverage and deductible: Adjusting your deductible or coverage choices may lower your monthly premium.
- Keep a clean driving record: Avoiding accidents and moving violations can help lower your rate over time.
Montana car insurance FAQs
- Yes. Drivers in Montana are required to carry at least the state’s minimum Liability Coverage of $25,000 for Bodily Injury Liability (per person), $50,000 per accident, and $20,000 for property damage (25/50/20). Proof of insurance is also required if you want to register a vehicle in Montana.
- Car insurance generally follows the car rather than the driver in Montana. That means that if someone borrows your car (with your permission), your car insurance policy will typically be what will cover the damages. Review your policy documents or talk to your insurance company to understand how your specific coverage applies.
- No. Montana is an at-fault state, meaning the driver who causes an accident is usually responsible for the resulting damages. You may also hear Montana referred to as a “tort” state, which means the at-fault driver can be held financially responsible for injuries, vehicle damage, and other losses caused by the accident.
- Some insurance companies may offer a grace period, often 7 to 30 days, for adding a newly purchased vehicle to an existing car insurance policy. This timeline isn't set by the state of Montana. It depends on your insurance provider and the terms of your policy, so it's important to review your policy documents to understand how long you have to add a new car and what coverage may apply during that time.
- Getting car insurance in Montana can be quick and straightforward:
- Gather your information: Have your driver's license, vehicle details (like the VIN), and current mileage handy.
- Decide on your coverage: Start with at least Montana's minimum liability requirements, then consider optional coverages like Collision, Comprehensive, or Uninsured Motorist Coverage.
- Get a quote and compare: You can get a free quote from Liberty Mutual online in less than 10 minutes.
- Choose and activate your policy: Once you choose your coverage, you can set up your policy and get proof of insurance for registration.