Montana Car Insurance [Everything You Need to Know]

FREE Car Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save!

Montana Statistics Summary 
Road MilesTotal in State: 74,983
Vehicle Miles Driven Annually: 12,157 million
Driving DeathsSpeeding – 59
Drunk Driving – 56
VehiclesRegistered: 1,401,936
Total Stolen: 2,043
Most Popular VehicleFord F150
Average Premiums (Annual)Liability – $386.29
Collision – $265.32
Comprehensive – $211.91
Combined Premiums – $863.52
Percent of Motorists Uninsured9.9%
State Rank: 33rd
Cheapest ProviderUSAA

In Montana, the wildlife outnumber the people, and the stars outnumber both, but that doesn’t mean you shouldn’t protect yourself and other drivers with the right car insurance policy.

We understand that navigating your options in car insurance can be as challenging as driving the Beartooth Highway. You are not alone in your hunt for a great car insurance policy.

Are you ready to make an informed decision while you wait for that herd of elk to cross the road?

While you wait, review the following guide we put together that includes all you need to know about Montana car insurance including coverage and rates, car insurance providers, state laws, and so much more.

In this article we will discuss:

You may already know comparing car insurance rates is a great way to save money! Start today with just your zip code.

Table of Contents

Montana Car Insurance Coverage and Rates

The “Treasure State” is a great place to live if you love the open road, the great outdoors, and wildlife. Montana shares with Wyoming Yellow Stone National Park which was the first national park in US history.

Before you decide to drive Montana’s dinosaur trail, consider your options in car insurance coverage.

– Minimum Car Insurance Requirements in Montana

Insurance RequiredMinimum Limits: 25/50/20
Bodily Injury Liability Coverage$25,000 per one person
$50,000 per accident
Property Damage Liability Coverage$20,000 minimum

Liability insurance pays all individuals — drivers, passengers, pedestrians, bicyclists, etc. — who are owed compensation for property damage and/or injuries resulting from a car accident that you or anyone under your policy causes.

Montana is an “at-fault” accident state. This means, if you are the at-fault driver during an accident, you will be held liable for any personal injury or property claims.

As such, liability insurance is required in the state of Montana at these minimum coverage amounts:

  • $25,000 – to cover Injury or death of one person in an accident you caused
  • $50,000 – to cover total injuries or death of more than one person in an accident you caused
  • $20,000 – to cover property damage in an accident you caused

Remember, these amounts are minimum requirements and do not cover injury, death, or damage to yourself or your own passengers! That will require additional coverage.

Your liability coverage does, however, kick in no matter who is driving your car.

– Required Forms of Financial Responsibility in Montana

Under Montana law, motorists stopped for a traffic violation or involvement in a motor vehicle collision are required to show proof of insurance to law enforcement, in addition to displaying their driver license and vehicle registration.

Lost or expired proof of insurance card?  No problem…almost.

The state of Montana developed a web-based verification system (MTIVS) for up-to-the-minute data to confirm if a vehicle has minimum liability insurance coverage. This system can be accessed by drivers and law enforcement anytime, anywhere.

However, the MTIVS cannot verify insurance from out of state, so if you are new to Montana, and you have not yet obtained Montana car insurance, be sure to carry proof of out-of-state insurance at all times.

Furthermore, the web-based system is not always accurate and up-to-date and has been causing problems for law enforcement officers and courts. Because you’re still required to carry proof of insurance in Montana, your safest bet is to do that.

Even though 46 out of Montana’s 56 counties are considered “frontier counties” with an average population of six or fewer people per square mile, Montana law takes driving without car insurance very seriously…

Driving without the minimum liability coverage in Montana is a misdemeanor.

The penalty for a no-insurance citation is between $250 and $500 or up to 10 days in jail for a first offense.  Penalties increase for repeat offenders and also include revocation of your driver’s license for 90 days and five points on your driving record.

What makes MTIVS so great?

Troopers will use MTIVS to electronically verify that liability insurance was in effect for the person at fault at the time of an accident, so don’t bank on purchasing car insurance while you wait for law enforcement to arrive on the scene.

– Premiums as Percentage of Income in Montana

Montana is known as the “Treasure State” for its history of gold and silver mining, but that doesn’t mean you’ll be rich living there.

In 2014, the annual per capita disposable personal income in Montana was $36,041.

Disposable personal income (DPI) is the total amount of money available for an individual to spend (or save) after their taxes have been paid.

The average annual cost of car insurance in Montana is $869, which is almost 2.5 percent of the average disposable personal income.

The average Montana resident has only $3,003 each month to buy food, pay bills etc. The car insurance bill alone will deduct about $73 out of that — much more if you have a less-than-perfect driving record.

Why is getting the best deal on car insurance so important?

American Consumer Credit Counseling suggests saving 20 percent of every paycheck.  With Montana’s DPI, that’s a whopping $600 each month! How much are you putting aside for savings?

– Core Car Insurance Coverage in Montana

Coverage Type:Annual Costs in 2015:
Liability$386.29
Collision$265.32
Comprehensive$211.91
Combined$863.52

The above table illustrates the most recent data provided by the leading source on the matter, the National Association of Insurance CommissionersExpect car insurance rates in Montana to be significantly higher for 2019 and on.

Don’t forget: Montana has minimum requirements for liability coverage, but experts suggest drivers purchase more than what state law requires, especially when the state is an “at-fault” state like Montana is.

You may be wondering: Why get more coverage than required?

Montana has the largest migratory elk herd in the nation. The average square mile of land in Montana contains 1.4 elks, 1.4 pronghorn antelope, and 3.3 deer.

With more big game animals than humans per square mile in over 82 percent of Montana’s counties, comprehensive coverage may be wise to consider.

Comprehensive car insurance covers occurrences that many would call “out of our control” such as a cracked windshield, hitting an animal, or other events besides collisions.

Why stop at comprehensive?

In the spirit of Montana’s gold and silver mining history, let’s dig into some of the most popular coverage options to add to a basic auto insurance policy.

– Additional Liability Coverage in Montana

A loss ratio shows how much a company spends on claims to how much money they take in on premiums. A loss ratio of 60 percent indicates the company spent 60 on claims out of every 100 dollars earned in premiums.

Loss Ratio201220132014
Medical Payments (Med Pay)73%63%69%
Uninsured/Underinsured Motorist65%60%58%

As of July 2018, two states required Medical Payments coverage (Maine and Wisconsin), two states (plus D.C.) required Uninsured Motorist coverage (Montana and Wisconsin), and 17 states required both Uninsured & Underinsured Motorist coverage.

Med Pay and Underinsured Motorist coverage are both optional in Montana; however, Uninsured Motorist coverage is required.  All three are important. Why? In 2015 13 percent of motorists in the US were uninsured, and 10 percent of motorists in Montana, despite that driving without insurance is a misdemeanor.

Montana ranked 33rd in the nation in 2015 for uninsured or underinsured drivers.

By requiring uninsured motorist coverage, the strict laws of Montana have seemed to decrease the loss ratio. Unless you sign a form stating you do not want Uninsured Motorist coverage, your agent is required by law to provide it to you.

– Add-ons, Endorsements, and Riders

We know getting the complete coverage you need for an affordable price is your goal.

Good news: there are lots of powerful but cheap extras you can add to your policy.

Do you know what’s crazy?

Montana’s temperatures can change drastically in a short period of time – sometimes in as few as seven minutes. Some cities have recorded temperatures as high as 117 degrees F and as low as -70 degrees F.

Aside from the usual preparedness of carrying flashlights, blankets, and keeping your vehicle fluids topped off (and dressing in layers), keep an eye on those tires as well!

One extra that is particularly important in Montana is Emergency Roadside Assistance.

With temperatures rising 82 degrees from morning to afternoon (Fort Belknap, MT in 2018) or falling some 84 degrees in 12 hours (Fairfield, MT in 1924), pay attention to tire pressure because it changes by one pound per square inch (PSI) for every 10 degrees of temperature change.

If you don’t regulate your tire pressure, you just may find yourself needing roadside assistance.

What causes these extreme temperature shifts?

It’s the “snow-eating” Chinook winds explained by this very engaging Canadian Meteorologist.

Don’t get blown away by high car insurance premiums! Start comparison shopping today using our FREE online tool. Enter your zip code below to get started!

Here’s a list of other useful coverage available to you in Montana. 

– Male Vs Female Annual Car Insurance Rates in Montana

In Montana, it’s illegal to consider gender and marital status in rates. Montana was the first state to secure laws against gender discrimination in determining insurance rates back in 1985.  Six other states, most recently California, have also instated laws based on gender and/or marital status.

Our researchers came to a surprising conclusion. They learned that age and the actual insurance carrier seem to be the most significant contributing factors in cost variance.

Let’s dig deeper!

– Demographic and Insurance Carrier

Company35-year old60-year old17-year old25-year old
Allstate F&C$2,740.02$2,507.60$10,484.90$2,955.90
Depositors Insurance$2,785.97$2,533.60$5,640.58$2,952.88
Geico General$2,653.99$2,527.59$6,445.87$2,218.97
Mid-Century Ins Co$2,755.44$2,462.45$7,395.41$3,016.88
Progressive NorthWestern$3,231.09$2,901.06$7,548.71$3,642.19
SAFECO Ins Co of IL$1,021.71$999.67$2,064.28$1,218.77
State Farm Mutual Auto$1,640.33$1,439.41$4,814.65$1,776.55
USAA$1,280.16$1,139.97$4,103.59$1,603.83

Case in point, Allstate F&C charges 17-year-old drivers approximately $10,485 annually, which is several thousand dollars higher when compared to their averaged $2,735 yearly premiums for insureds over the age of 18; this is a 78 percent difference!

Safeco, however, charges only 48 percent more in annual premiums based on age difference.

– Highest and Lowest Rates in Montana by Zip Code

ZipcodeAverageZipcodeAverage
59001$3,374.3759089$3,457.80
59002$3,324.2459853$3,440.51
59003$3,335.4259035$3,436.52
59006$3,329.9859050$3,433.47
59007$3,399.9659075$3,433.31
59008$3,398.1059417$3,420.37
59010$3,290.7059068$3,414.03
59011$3,372.2859448$3,408.40
59012$3,354.4259007$3,399.96
59013$3,348.6959070$3,398.91
59014$3,371.6759008$3,398.10
59015$3,305.3959920$3,391.20
59016$3,327.7259932$3,389.23
59018$3,128.7759411$3,387.91
59019$3,357.2659930$3,387.14
59020$3,104.7259844$3,386.85
59022$3,338.3959935$3,386.28
59024$3,264.1759925$3,378.26
59025$3,348.1159931$3,377.84
59026$3,348.6959066$3,377.49
59027$3,092.3859033$3,376.50
59028$3,349.8059001$3,374.37
59029$3,351.5159922$3,374.36
59030$3,147.9259917$3,372.37
59031$3,309.2359011$3,372.28
59032$3,204.3659434$3,372.07
59033$3,376.5059427$3,372.00
59034$3,330.3559014$3,371.67
59035$3,436.5259874$3,365.74
59036$3,335.5459074$3,365.74
59037$3,251.0059923$3,364.97
59038$3,260.7459873$3,364.34
59039$3,265.7959460$3,364.22
59041$3,291.9259317$3,364.13
59043$3,304.2459071$3,362.59
59044$3,127.1459484$3,362.14
59046$3,281.6759486$3,361.11
59047$3,089.7859057$3,359.10
59050$3,433.4759077$3,359.05
59052$3,342.4159467$3,358.68
59053$3,096.8459019$3,357.26
59054$3,246.9159012$3,354.42
59055$3,347.3759524$3,354.13
59057$3,359.1059466$3,352.80
59058$3,296.3559921$3,351.97
59059$3,211.8559029$3,351.51
59061$3,342.0359063$3,351.41
59062$3,341.4159918$3,351.38
59063$3,351.4159933$3,351.38
59064$3,330.2859934$3,351.38
59065$3,161.3259067$3,351.27
59066$3,377.4959078$3,350.96
59067$3,351.2759028$3,349.80
59068$3,414.0359013$3,348.69
59069$3,329.7659026$3,348.69
59070$3,398.9159859$3,348.30
59071$3,362.5959025$3,348.11
59072$3,241.6359916$3,347.79
59074$3,365.7459055$3,347.37
59075$3,433.3159482$3,345.49
59076$3,248.8959085$3,342.87
59077$3,359.0559052$3,342.41
59078$3,350.9659061$3,342.03
59079$3,262.0859062$3,341.41
59081$3,122.0559914$3,340.71
59082$3,133.1459527$3,339.71
59083$3,252.4959929$3,339.12
59084$3,271.0759022$3,338.39
59085$3,342.8759454$3,336.91
59086$3,112.2959318$3,336.70
59087$3,310.5259911$3,336.07
59088$3,287.6959036$3,335.54
59089$3,457.8059926$3,335.52
59101$3,224.4459936$3,335.52
59102$3,218.2259003$3,335.42
59105$3,201.4959901$3,334.32
59106$3,217.2959913$3,332.19
59201$3,230.5759848$3,331.29
59211$3,237.6859912$3,331.09
59212$3,213.2159432$3,330.49
59213$3,239.6959034$3,330.35
59214$3,241.4159064$3,330.28
59215$3,271.3459006$3,329.98
59217$3,258.0659069$3,329.76
59218$3,233.9059337$3,328.66
59219$3,204.3859016$3,327.72
59221$3,254.4859530$3,326.42
59222$3,219.9159928$3,326.39
59223$3,262.1459444$3,325.35
59225$3,233.7159927$3,324.68
59226$3,208.7759002$3,324.24
59230$3,257.5759345$3,324.17
59231$3,258.8959919$3,323.94
59240$3,247.5559915$3,323.40
59241$3,270.9159545$3,322.39
59242$3,212.0859419$3,322.24
59243$3,262.8059456$3,322.02
59244$3,267.5859529$3,320.76
59247$3,185.9159314$3,319.09
59248$3,251.9759522$3,318.83
59250$3,268.8659531$3,318.09
59252$3,231.8359521$3,317.89
59253$3,268.3059520$3,316.98
59254$3,201.0659845$3,316.19
59255$3,224.9159341$3,313.92
59256$3,226.9859343$3,313.86
59257$3,233.5959351$3,312.70
59258$3,235.6959447$3,311.62
59259$3,282.4759542$3,311.40
59260$3,247.4459856$3,310.72
59261$3,255.0359469$3,310.68
59262$3,249.9059435$3,310.63
59263$3,213.0459087$3,310.52
59270$3,210.9959461$3,310.25
59273$3,269.3259526$3,309.36
59274$3,229.8059031$3,309.23
59275$3,218.6559937$3,309.17
59276$3,228.0459474$3,308.81
59301$3,239.8559547$3,307.56
59311$3,272.5759015$3,305.39
59312$3,247.7559537$3,305.30
59313$3,219.3159535$3,304.56
59314$3,319.0959043$3,304.24
59315$3,226.5159546$3,304.18
59316$3,245.9559322$3,303.97
59317$3,364.1359462$3,299.50
59318$3,336.7059525$3,299.01
59319$3,273.3659058$3,296.35
59322$3,303.9759532$3,293.80
59323$3,209.3059479$3,293.44
59324$3,250.8559041$3,291.92
59326$3,273.4159452$3,290.91
59327$3,213.5259010$3,290.70
59330$3,209.7059425$3,288.25
59332$3,268.1059450$3,288.19
59333$3,205.9859088$3,287.69
59336$3,230.7659540$3,286.64
59337$3,328.6659538$3,286.47
59338$3,245.1959544$3,283.26
59339$3,232.9259259$3,282.47
59341$3,313.9259046$3,281.67
59343$3,313.8659863$3,279.47
59344$3,230.4259910$3,278.43
59345$3,324.1759528$3,277.83
59347$3,266.2059349$3,273.91
59349$3,273.9159326$3,273.41
59351$3,312.7059319$3,273.36
59353$3,217.2059824$3,273.13
59354$3,249.4359311$3,272.57
59401$3,190.4359831$3,272.40
59402$3,155.3059215$3,271.34
59404$3,174.6959084$3,271.07
59405$3,155.6959241$3,270.91
59410$3,140.6659273$3,269.32
59411$3,387.9159250$3,268.86
59412$3,251.8059253$3,268.30
59414$3,192.5359332$3,268.10
59416$3,239.4259244$3,267.58
59417$3,420.3759420$3,267.53
59418$3,235.4559424$3,267.24
59419$3,322.2459347$3,266.20
59420$3,267.5359442$3,265.94
59421$3,164.9959039$3,265.79
59422$3,251.0059430$3,264.98
59424$3,267.2459024$3,264.17
59425$3,288.2559821$3,263.80
59427$3,372.0059243$3,262.80
59430$3,264.9859865$3,262.24
59432$3,330.4959223$3,262.14
59433$3,241.9059079$3,262.08
59434$3,372.0759446$3,261.37
59435$3,310.6359038$3,260.74
59436$3,234.6459231$3,258.89
59440$3,163.4659217$3,258.06
59441$3,239.3059230$3,257.57
59442$3,265.9459860$3,255.76
59443$3,124.9059261$3,255.03
59444$3,325.3559221$3,254.48
59446$3,261.3759468$3,252.94
59447$3,311.6259083$3,252.49
59448$3,408.4059248$3,251.97
59450$3,288.1959523$3,251.82
59451$3,228.6359412$3,251.80
59452$3,290.9159422$3,251.00
59453$3,247.3459037$3,251.00
59454$3,336.9159324$3,250.85
59456$3,322.0259262$3,249.90
59457$3,191.2159354$3,249.43
59460$3,364.2259076$3,248.89
59461$3,310.2559312$3,247.75
59462$3,299.5059240$3,247.55
59463$3,185.8359260$3,247.44
59464$3,216.1859453$3,247.34
59465$3,153.3059501$3,247.27
59466$3,352.8059054$3,246.91
59467$3,358.6859316$3,245.95
59468$3,252.9459338$3,245.19
59469$3,310.6859864$3,244.78
59471$3,201.0159433$3,241.90
59472$3,141.2559072$3,241.63
59474$3,308.8159214$3,241.41
59477$3,129.0859301$3,239.85
59479$3,293.4459213$3,239.69
59480$3,217.3559416$3,239.42
59482$3,345.4959441$3,239.30
59483$3,177.9559489$3,237.77
59484$3,362.1459211$3,237.68
59485$3,148.5059258$3,235.69
59486$3,361.1159418$3,235.45
59487$3,141.1159436$3,234.64
59489$3,237.7759218$3,233.90
59501$3,247.2759225$3,233.71
59520$3,316.9859257$3,233.59
59521$3,317.8959339$3,232.92
59522$3,318.8359252$3,231.83
59523$3,251.8259336$3,230.76
59524$3,354.1359201$3,230.57
59525$3,299.0159344$3,230.42
59526$3,309.3659274$3,229.80
59527$3,339.7159451$3,228.63
59528$3,277.8359276$3,228.04
59529$3,320.7659256$3,226.98
59530$3,326.4259315$3,226.51
59531$3,318.0959255$3,224.91
59532$3,293.8059101$3,224.44
59535$3,304.5659867$3,221.49
59537$3,305.3059222$3,219.91
59538$3,286.4759313$3,219.31
59540$3,286.6459275$3,218.65
59542$3,311.4059102$3,218.22
59544$3,283.2659480$3,217.35
59545$3,322.3959106$3,217.29
59546$3,304.1859353$3,217.20
59547$3,307.5659866$3,217.11
59601$2,883.4959464$3,216.18
59602$2,877.2359327$3,213.52
59625$2,907.7259212$3,213.21
59626$2,878.4059263$3,213.04
59631$3,041.1959242$3,212.08
59632$3,000.4559059$3,211.85
59633$3,063.9959826$3,211.81
59634$3,038.9459270$3,210.99
59635$2,866.4559330$3,209.70
59636$2,887.7059323$3,209.30
59638$3,058.4059226$3,208.77
59639$3,108.6859872$3,206.64
59640$3,051.2159333$3,205.98
59641$2,988.1159219$3,204.38
59642$2,997.3059032$3,204.36
59643$3,029.1159830$3,202.42
59644$3,007.5259842$3,202.42
59645$3,040.7859105$3,201.49
59647$3,062.6759254$3,201.06
59648$3,086.1959471$3,201.01
59701$3,185.5659414$3,192.53
59710$3,059.3759457$3,191.21
59711$3,091.8959401$3,190.43
59713$2,979.7959247$3,185.91
59714$3,057.1059463$3,185.83
59715$3,052.1059701$3,185.56
59716$3,108.6159750$3,185.34
59718$3,053.1659820$3,181.40
59720$3,055.5659483$3,177.95
59721$3,002.3759404$3,174.69
59722$3,025.7659421$3,164.99
59724$3,062.2859440$3,163.46
59725$3,030.6359065$3,161.32
59727$3,053.4959868$3,156.10
59728$2,993.8159405$3,155.69
59729$3,037.9559402$3,155.30
59730$3,121.7959465$3,153.30
59731$3,011.2359485$3,148.50
59732$3,009.3059030$3,147.92
59733$3,031.9659472$3,141.25
59735$2,998.4659487$3,141.11
59736$3,043.0259410$3,140.66
59739$3,059.8059082$3,133.14
59740$3,041.8559477$3,129.08
59741$3,077.0559018$3,128.77
59743$3,112.9359044$3,127.14
59745$3,038.5659443$3,124.90
59746$3,009.3059081$3,122.05
59747$3,056.2359730$3,121.79
59748$3,112.2359743$3,112.93
59749$3,050.9059086$3,112.29
59750$3,185.3459748$3,112.23
59751$3,096.4859823$3,111.40
59752$3,017.2359639$3,108.68
59754$3,046.0359716$3,108.61
59755$3,041.2959020$3,104.72
59758$3,092.3859053$3,096.84
59759$3,043.2959854$3,096.75
59760$3,046.1059751$3,096.48
59761$3,011.6859027$3,092.38
59762$3,001.9559758$3,092.38
59801$2,963.8059711$3,091.89
59802$2,952.5659047$3,089.78
59803$2,941.5559648$3,086.19
59804$2,976.5459741$3,077.05
59808$2,950.5559846$3,068.77
59812$2,963.1659633$3,063.99
59820$3,181.4059647$3,062.67
59821$3,263.8059724$3,062.28
59823$3,111.4059870$3,060.84
59824$3,273.1359739$3,059.80
59825$3,019.2259710$3,059.37
59826$3,211.8159638$3,058.40
59827$3,027.9259714$3,057.10
59828$2,990.6359747$3,056.23
59829$3,023.6159834$3,055.89
59830$3,202.4259720$3,055.56
59831$3,272.4059727$3,053.49
59832$3,029.5759718$3,053.16
59833$3,047.9659715$3,052.10
59834$3,055.8959640$3,051.21
59835$2,996.2659749$3,050.90
59837$3,018.4859833$3,047.96
59840$3,004.4959760$3,046.10
59841$2,996.2659754$3,046.03
59842$3,202.4259759$3,043.29
59843$3,027.2659736$3,043.02
59844$3,386.8559740$3,041.85
59845$3,316.1959755$3,041.29
59846$3,068.7759631$3,041.19
59847$2,995.3959645$3,040.78
59848$3,331.2959634$3,038.94
59851$2,988.2559745$3,038.56
59853$3,440.5159729$3,037.95
59854$3,096.7559733$3,031.96
59856$3,310.7259725$3,030.63
59858$3,026.7959832$3,029.57
59859$3,348.3059643$3,029.11
59860$3,255.7659827$3,027.92
59863$3,279.4759843$3,027.26
59864$3,244.7859858$3,026.79
59865$3,262.2459722$3,025.76
59866$3,217.1159829$3,023.61
59867$3,221.4959825$3,019.22
59868$3,156.1059837$3,018.48
59870$3,060.8459752$3,017.23
59871$3,013.6659871$3,013.66
59872$3,206.6459761$3,011.68
59873$3,364.3459731$3,011.23
59874$3,365.7459732$3,009.30
59875$2,996.8359746$3,009.30
59901$3,334.3259644$3,007.52
59910$3,278.4359840$3,004.49
59911$3,336.0759721$3,002.37
59912$3,331.0959762$3,001.95
59913$3,332.1959632$3,000.45
59914$3,340.7159735$2,998.46
59915$3,323.4059642$2,997.30
59916$3,347.7959875$2,996.83
59917$3,372.3759835$2,996.26
59918$3,351.3859841$2,996.26
59919$3,323.9459847$2,995.39
59920$3,391.2059728$2,993.81
59921$3,351.9759828$2,990.63
59922$3,374.3659851$2,988.25
59923$3,364.9759641$2,988.11
59925$3,378.2659713$2,979.79
59926$3,335.5259804$2,976.54
59927$3,324.6859801$2,963.80
59928$3,326.3959812$2,963.16
59929$3,339.1259802$2,952.56
59930$3,387.1459808$2,950.55
59931$3,377.8459803$2,941.55
59932$3,389.2359625$2,907.72
59933$3,351.3859636$2,887.70
59934$3,351.3859601$2,883.49
59935$3,386.2859626$2,878.40
59936$3,335.5259602$2,877.23
59937$3,309.1759635$2,866.45

– Most Expensive/Least Expensive Carrier Rates by City

CityAverage Grand Total
EAST HELENA$2,866.45
HELENA$2,886.71
FORT HARRISON$2,887.70
MISSOULA$2,958.03
AVON$2,979.79
RADERSBURG$2,988.11
MILLTOWN$2,988.25
CORVALLIS$2,990.63
ELLISTON$2,993.81
LOLO$2,995.39
GRANTSDALE$2,996.26
PINESDALE$2,996.26
VICTOR$2,996.84
RINGLING$2,997.31
HARRISON$2,998.46
BOULDER$3,000.45
WISE RIVER$3,001.95
CARDWELL$3,002.38
HAMILTON$3,004.49
TOWNSEND$3,007.52
GLEN$3,009.31
POLARIS$3,009.31
GARRISON$3,011.23
WISDOM$3,011.68
SULA$3,013.66
THREE FORKS$3,017.23
HALL$3,018.48
CLINTON$3,019.22
DARBY$3,023.61
DEER LODGE$3,025.76
PHILIPSBURG$3,026.79
HELMVILLE$3,027.26
CONNER$3,027.92
TOSTON$3,029.11
DRUMMOND$3,029.57
DILLON$3,030.63
GOLD CREEK$3,031.96
ENNIS$3,037.95
NORRIS$3,038.56
CLANCY$3,038.94
WHITE SULPHUR SPRINGS$3,040.78
BASIN$3,041.19
VIRGINIA CITY$3,041.30
MC ALLISTER$3,041.86
JACKSON$3,043.02
WHITEHALL$3,043.29
TWIN BRIDGES$3,046.03
WILLOW CREEK$3,046.10
FLORENCE$3,047.96
SHERIDAN$3,050.90
MARYSVILLE$3,051.21
BOZEMAN$3,052.63
DIVIDE$3,053.49
CAMERON$3,055.56
FRENCHTOWN$3,055.89
PONY$3,056.23
BELGRADE$3,057.10
JEFFERSON CITY$3,058.40
ALDER$3,059.37
LIMA$3,059.80
STEVENSVILLE$3,060.84
DELL$3,062.28
WINSTON$3,062.67
CANYON CREEK$3,064.00
HUSON$3,068.77
MANHATTAN$3,077.05
WOLF CREEK$3,086.19
LIVINGSTON$3,089.78
ANACONDA$3,091.89
EMIGRANT$3,092.39
WEST YELLOWSTONE$3,092.39
SILVER STAR$3,096.49
OVANDO$3,096.75
MARTINSDALE$3,096.84
COOKE CITY$3,104.72
BIG SKY$3,108.61
LINCOLN$3,108.68
BONNER$3,111.40
RAMSAY$3,112.23
WILSALL$3,112.29
MELROSE$3,112.93
GALLATIN GATEWAY$3,121.79
SILVER GATE$3,122.05
FORT SHAW$3,124.90
LAUREL$3,127.14
CLYDE PARK$3,128.77
SIMMS$3,129.09
SPRINGDALE$3,133.14
AUGUSTA$3,140.66
VAUGHN$3,141.11
SAND COULEE$3,141.25
GARDINER$3,147.92
ULM$3,148.50
NEIHART$3,153.30
MALMSTROM A F B$3,155.30
SEELEY LAKE$3,156.10
PRAY$3,161.32
FLOWEREE$3,163.46
CASCADE$3,164.99
GREAT FALLS$3,173.60
SUN RIVER$3,177.95
ALBERTON$3,181.40
BUTTE$3,185.45
MONARCH$3,185.83
MEDICINE LAKE$3,185.92
LEWISTOWN$3,191.21
BLACK EAGLE$3,192.53
ROY$3,201.01
PLENTYWOOD$3,201.06
DE BORGIA$3,202.42
HAUGAN$3,202.42
GRASS RANGE$3,204.36
DAGMAR$3,204.38
HATHAWAY$3,205.98
SUPERIOR$3,206.64
FROID$3,208.77
COLSTRIP$3,209.30
GLENDIVE$3,209.70
SIDNEY$3,210.99
CONDON$3,211.81
MUSSELSHELL$3,211.85
HOMESTEAD$3,212.08
SCOBEY$3,213.04
BAINVILLE$3,213.21
FORSYTH$3,213.52
BILLINGS$3,215.36
MOORE$3,216.18
SAINT REGIS$3,217.11
WIBAUX$3,217.20
STOCKETT$3,217.35
WESTBY$3,218.65
BAKER$3,219.31
FLAXVILLE$3,219.91
SALTESE$3,221.49
POPLAR$3,224.91
BLOOMFIELD$3,226.51
RAYMOND$3,226.98
WHITETAIL$3,228.04
HILGER$3,228.63
VIDA$3,229.80
PLEVNA$3,230.42
WOLF POINT$3,230.57
ISMAY$3,230.76
OUTLOOK$3,231.83
LINDSAY$3,232.92
REDSTONE$3,233.59
FRAZER$3,233.71
CULBERTSON$3,233.90
FAIRFIELD$3,234.64
BUFFALO$3,235.45
RESERVE$3,235.69
ANTELOPE$3,237.68
WINIFRED$3,237.77
FOREST GROVE$3,239.30
BRADY$3,239.42
BROCKTON$3,239.69
MILES CITY$3,239.85
BROCKWAY$3,241.41
ROUNDUP$3,241.63
DUTTON$3,241.90
RONAN$3,244.78
KINSEY$3,245.19
BOYES$3,245.95
MELSTONE$3,246.91
HAVRE$3,247.27
JUDITH GAP$3,247.34
RICHLAND$3,247.44
GLENTANA$3,247.55
ANGELA$3,247.75
SANDERS$3,248.89
WILLARD$3,249.43
SAVAGE$3,249.90
EKALAKA$3,250.85
CHOTEAU$3,251.00
HUNTLEY$3,251.00
BELT$3,251.80
CHINOOK$3,251.82
NASHUA$3,251.97
SUMATRA$3,252.49
POWER$3,252.94
FAIRVIEW$3,254.48
SACO$3,255.03
POLSON$3,255.75
GLASGOW$3,257.57
CRANE$3,258.06
SAINT MARIE$3,258.89
HYSHAM$3,260.74
GERALDINE$3,261.38
SHEPHERD$3,262.08
FORT PECK$3,262.14
SAINT IGNATIUS$3,262.24
LAMBERT$3,262.80
ARLEE$3,263.80
CUSTER$3,264.17
DENTON$3,264.98
INGOMAR$3,265.79
FORT BENTON$3,265.94
ROSEBUD$3,266.20
COFFEE CREEK$3,267.24
CARTER$3,267.53
LARSLAN$3,267.58
HAMMOND$3,268.10
PEERLESS$3,268.30
OPHEIM$3,268.86
VANDALIA$3,269.32
HINSDALE$3,270.91
TEIGEN$3,271.07
CIRCLE$3,271.34
DIXON$3,272.40
ALZADA$3,272.57
CHARLO$3,273.13
CAPITOL$3,273.36
FALLON$3,273.41
TERRY$3,273.91
HINGHAM$3,277.83
BIG ARM$3,278.43
RAVALLI$3,279.47
LAVINA$3,281.68
RICHEY$3,282.47
WHITEWATER$3,283.26
MALTA$3,286.47
RUDYARD$3,286.64
WORDEN$3,287.69
HIGHWOOD$3,288.20
CONRAD$3,288.25
BIGHORN$3,290.69
HOBSON$3,290.91
JOLIET$3,291.92
STANFORD$3,293.44
KREMLIN$3,293.80
MOSBY$3,296.35
GILDFORD$3,299.01
MOCCASIN$3,299.50
COHAGEN$3,303.97
ZORTMAN$3,304.18
LAME DEER$3,304.24
LLOYD$3,304.56
LORING$3,305.30
BROADVIEW$3,305.39
ZURICH$3,307.56
SHELBY$3,308.81
WHITEFISH$3,309.17
GARRYOWEN$3,309.23
HARLEM$3,309.36
LOTHAIR$3,310.25
WINNETT$3,310.52
ETHRIDGE$3,310.63
RAYNESFORD$3,310.68
PARADISE$3,310.71
TURNER$3,311.40
GEYSER$3,311.62
VOLBORG$3,312.70
OLIVE$3,313.86
MILDRED$3,313.92
HOT SPRINGS$3,316.19
BIG SANDY$3,316.98
BOX ELDER$3,317.89
JOPLIN$3,318.09
CHESTER$3,318.83
BIDDLE$3,319.09
HOGELAND$3,320.76
LEDGER$3,322.02
BYNUM$3,322.24
WHITLASH$3,322.39
ELMO$3,323.40
HUNGRY HORSE$3,323.94
POWDERVILLE$3,324.17
ACTON$3,324.24
OLNEY$3,324.68
GALATA$3,325.35
POLEBRIDGE$3,326.39
INVERNESS$3,326.42
BUSBY$3,327.72
JORDAN$3,328.66
REED POINT$3,329.76
BALLANTINE$3,329.98
POMPEYS PILLAR$3,330.28
HARDIN$3,330.35
DUPUYER$3,330.49
COLUMBIA FALLS$3,331.09
LONEPINE$3,331.28
CORAM$3,332.19
KALISPELL$3,334.32
ASHLAND$3,335.42
MARTIN CITY$3,335.52
WEST GLACIER$3,335.52
HARLOWTON$3,335.54
BIGFORK$3,336.07
BRUSETT$3,336.70
KEVIN$3,336.91
CROW AGENCY$3,338.39
PROCTOR$3,339.12
HAYS$3,339.71
DAYTON$3,340.70
OTTER$3,341.41
NYE$3,342.03
MC LEOD$3,342.41
TWO DOT$3,342.88
SUNBURST$3,345.49
MELVILLE$3,347.37
ESSEX$3,347.78
DECKER$3,348.11
PLAINS$3,348.30
BOYD$3,348.69
EDGAR$3,348.69
FISHTAIL$3,349.81
SHAWMUT$3,350.96
RAPELJE$3,351.27
FORTINE$3,351.37
STRYKER$3,351.37
TREGO$3,351.37
PARK CITY$3,351.41
FROMBERG$3,351.51
LAKE MC DONALD$3,351.97
OILMONT$3,352.80
DODSON$3,354.13
BIRNEY$3,354.42
COLUMBUS$3,357.26
PENDROY$3,358.68
SAND SPRINGS$3,359.05
MOLT$3,359.10
VALIER$3,361.11
SWEET GRASS$3,362.14
ROSCOE$3,362.59
BROADUS$3,364.13
LOMA$3,364.22
THOMPSON FALLS$3,364.34
LIBBY$3,364.96
RYEGATE$3,365.74
TROUT CREEK$3,365.74
BRIDGER$3,371.67
CUT BANK$3,372.00
EAST GLACIER PARK$3,372.07
BIG TIMBER$3,372.28
EUREKA$3,372.37
LAKESIDE$3,374.36
ABSAROKEE$3,374.37
GREYCLIFF$3,376.50
PRYOR$3,377.49
ROLLINS$3,377.84
MARION$3,378.26
TROY$3,386.28
HERON$3,386.85
REXFORD$3,387.13
BABB$3,387.92
SOMERS$3,389.23
KILA$3,391.20
BELFRY$3,398.10
ROBERTS$3,398.91
BEARCREEK$3,399.96
HEART BUTTE$3,408.40
RED LODGE$3,414.03
BROWNING$3,420.37
SAINT XAVIER$3,433.31
LODGE GRASS$3,433.47
FORT SMITH$3,436.52
NOXON$3,440.51
WYOLA$3,457.80

Take a look at the table above, listing the most/least expensive carrier rates according to the city. As you can see, your location is a significant factor in the rates you can expect to pay.

Montana Car Insurance Companies

There are so many car insurance carriers vying for your business these days, it’s hard to know which ones actually come through on their promises.

No need to worry, we’ve got you covered! Keep scrolling to find out who the 10 largest providers are across the state.

Ready to go? Let’s get this show on the road…

– The 10 Largest Montana Car Insurance Companies’ Financial Rating

AM Best gives insurance companies financial ratings. A good score means they are highly likely to stay solvent and have the ability to pay customer claims.

Providers (Listed by Size, Largest to Smallest):A.M. Best Rating:
State FarmA++
Liberty MutualA
ProgressiveA++
FarmersA
USAAA++
GeicoA++
Mountain West FarmA-
AllstateA+
TravelersA++
QBE InsuranceA

Besides premiums, one of the other components that should factor into your decision when picking an insurance carrier is customer ratings. Want to find out what customers really think about the top Montana car insurance carriers?

Here we go…

– Car Insurance Company Complaints

Company complaints specific to Montana are not tracked. However, on a national level, the number of complaints and the ratio of complaints per 1,000 automobiles from 2017 are listed below for the top 10 insurance companies in Montana.

Top Providers by Market Share in MontanaNumber of Complaints ReceivedRatio of Complaints per 1,000 Autos
QBE Insurance Group432.86
Liberty Mutual Group2225.95
Mountain West Farm Group101.47
Progressive Group1200.75
Geico3330.68
Farmers Insurance Group70.59
Allstate Insurance Group1630.5
State Farm Group14820.44
Travelers Group20.09
USAA Groupno datano data

Bear in mind, some complaints are based on general customer satisfaction, so factor that into your final decision.

– Montana’s Car Insurance Rates by Provider

CompanyAverageCompared to State AveragePercentage Over/Under State Average
Allstate F&C$4,672.10+$1,451.26+31.06%
Mid-Century Ins Co$3,907.55+$686.70+17.57%
Geico General$3,602.35+$381.50+10.59%
SAFECO Ins Co of IL$1,326.11-$1,894.73-142.88%
Depositors Insurance$3,478.26+$257.41+7.40%
Progressive NorthWestern$4,330.76+$1,109.92+25.63%
State Farm Mutual Auto$2,417.73-$803.11-33.22%
USAA$2,031.89-$1,188.96-58.51%

We understand that rates are one of the biggest, if not the biggest factor when you pick Montana car insurance. The above chart shows eight of the top carriers in the state, along with their average rates compared to the overarching state average.

Our researchers discovered that Allstate F&C charges the most in average premiums, with Mid-Century coming in at second place for the highest annual rates. Meanwhile, Safeco comes in number one for the most affordable average rates.

– Commute Rates

Company25 miles commute/12000 annual mileage10 miles commute/6000 annual mileage
Allstate$4,782.74$4,561.46
Progressive$4,330.76$4,330.76
Farmers$3,907.55$3,907.55
Geico$3,666.20$3,538.49
Nationwide$3,478.26$3,478.26
State Farm$2,489.21$2,346.26
USAA$2,056.29$2,007.49
Liberty Mutual$1,326.11$1,326.11

The table above compares the rates of top carriers in the state against average commute times. Interestingly enough, Allstate comes in again with the highest premium ratio to annual mileage.

– Coverage Level Rates

CompanyHigh Coverage LevelMedium Coverage LevelLow Coverage Level
Allstate$4,449$4,661.15$4905.69
Farmers$4,188.01$3,903.65$3630.98
Geico$3,769.03$3,577.02$3460.99
Liberty Mutual$1416.55$1,329.79$1231.99
Nationwide$4049.52$3,706.80$2678.46
Progressive$4583.63$4,318.46$4090.2
State Farm$2555.66$2,407.88$2289.67
USAA$2130.37$2,021.60$1943.7

– Credit History Rates

CompanyAnnual Rate
Poor Credit
Annual Rate
Fair Credit
Annual Rate
Good Credit
Allstate$5,648.45$4,519.28$3,848.58
Farmers$4,607.55$3,661.37$3,453.72
Geico$5,675.22$3,025.06$2,106.77
Liberty Mutual$1,326.11$1,326.11$1,326.11
Nationwide$4,396.26$3,172.44$2,866.07
Progressive$5,240.66$4,005.65$3,745.98
State Farm$3,476.81$2,116.08$1,660.31
USAA$2,740.31$1,854.79$1,500.57

According to a study conducted by Experian, the average resident of Montana has a credit card VantageScore of 689 and around 2.87 credit cards in their name. The average Montanan consumer has a credit card balance of $5,845.

If you think that your credit card debt and car insurance rates have no correlation, think again. Insurance carriers run credit checks on their insureds to assess the likelihood of them filing a claim at any point.

If your credit score doesn’t meet their standards, you might just see a spike in your rates, regardless if you’ve had an accident or not.

– Driving Record Rates

CompanyClean recordWith one speeding violationWith one accidentWith one DUI
Allstate$3,925.26$4,485.46$4,642.32$5,635.38
Farmers$3,433.60$3,433.60$4,436.87$4,326.13
Geico$2,316.09$2,767.01$3,664.68$5,661.62
Liberty Mutual$903.51$1,259.73$1,570.59$1,570.59
Nationwide$2,525.70$3,051.00$3,638.09$4,698.24
Progressive$3,739.67$4,147.16$4,819.80$4,616.41
State Farm$2,255.63$2,417.73$2,579.85$2,417.73
USAA$1,531.17$1,868.12$1,901.51$2,826.76

As you’ll note in the table above, your driving history has a direct effect on the premiums you can expect to pay. If you look at the rates listed for Geico, for example, you’ll notice that the rate difference for a clean record vs. one DUI is over a $3,300 premium jump which is a 59 percent increase!

– The 10 Largest Car Insurance Companies in Montana

Company Group/group/code Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm Group$166,71458.29%22.99%
Liberty Mutual Group$93,42856.54%12.88%
Progressive Group$92,61960.42%12.77%
Farmers Insurance Group$64,63346.34%8.91%
USAA Group$50,95470.92%7.03%
Geico$39,50973.41%5.45%
Mountain West Farm Group$38,87958.37%5.36%
Allstate Insurance Group$29,14947.79%4.02%
Travelers Group$23,58955.63%3.25%
QBE Insurance Group$22,48062.39%3.10%

– Number of Car Insurance Providers in Montana

Property & Casualty Insurance 
Domestic14
Foreign822
Total836

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

Laws in Montana

In order to keep your car insurance rates low, you have to know the laws in your state so you’re not blindsided by a fine.

Don’t worry! We’re here to help.

Keep reading to learn about the laws specific to the state of Montana.

– Montana’s Car Insurance Laws

Car insurance laws vary from state to state, and Montana is no different.

Montana has important laws worth noting, especially as it relates to age. Teens as young as 14 and 1/2 can obtain a learners permit. This may seem a bit early to you, so there are limitations, but they are still permitted to use a cell phone for any purpose while driving.

Additionally, drivers over the age of 75 are required to renew their license only every four years.

Montana also has no restrictions on helmet usage for motorcyclists or bicyclists. Also worth noting is that their seat belt laws are under secondary enforcement only which means an officer must be enforcing a primary law in order to issue a seat belt citation.

Do you know what’s really crazy?

Seat belt nonuse cannot decrease monetary awards for injuries in lawsuits – and the seat belt laws in Montana have not been updated since 1987.

The lack of restrictions in Montana based on age and safety is more reason to get the right coverage, especially when it comes to protecting other drivers with the required uninsured motorists coverage as well as additional liability coverage.

– High-Risk Insurance

Drivers with a history of accidents or traffic violations may find themselves unable to purchase coverage from an auto insurance carrier. This is where a type of insurance known as high-risk insurance comes into play.

But, don’t fret!

The Montana Automobile Insurance Plan was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.

Eligible Montana Automobile Insurance Plan risks are shared among companies writing automobile insurance in the state of Montana.

Montana is one of several states that comprise an association of auto plans referred to as the Western Association of Automobile Insurance Plans (WAAIP).

WAAIP is a processing center where people who have trouble buying automobile insurance are put in touch with an insurance company which will insure them.

– Low-Cost Insurance

The state of Montana currently does not provide any special low-cost insurance programs. Montana law requires drivers to carry a minimum amount of liability insurance. Penalties for not having insurance can be severe. You can’t afford not to have insurance.

– Windshield Coverage

While some states mandate a waived deductible for windshield repairs, and others specify the use of only manufacturer replacement parts, Montana has no laws specific to windshield coverage.

If windshield coverage is something you desire, you will need to have comprehensive coverage and you will have to carefully examine how the different insurance providers handle windshield claims.

– Automobile Insurance Fraud in Montana

Insurance fraud is a criminal offense in the state of Montana, occurring when an individual attempts to deceive an insurer to receive benefits or payouts they are not qualified to obtain.

There are three ways in which insurance fraud is committed:

  • Knowingly misreporting or hiding facts to get benefits, coverage, or compensation
  • Aiding someone in misreporting or altering the facts to receive benefits
  • Knowingly making false claims or statements on someone else’s behalf at an official proceeding

Insurance fraud is considered a:

  • Class B felony if the value in question is over $20,000, punishable by as much as 10 years imprisonment and/or $25,000 fine
  • Class C felony if the value in question is over $300, punishable by as much as five years imprisonment and/or $10,000 fine
  • A misdemeanor if the value in question is $300 or under, punishable by as much as one year’s imprisonment and/or $2,000 fine

Simply put, don’t commit insurance fraud, and you’re good to go.

– Statute of Limitations

A statute of limitations is the limit on the amount of time you have to bring a lawsuit to court. Different states have different statutes of limitations for personal injury and property damage matters.

If you are ever in an auto accident involving extensive injuries and damages, you need to know your rights in the matter.

Montana Code Annotated 2017 statute 27-2-4 outlines nine exceptions to the three-year personal injury and two-year property damage limitations.

– Montana’s Vehicle Licensing Laws

Now, we all know that you can’t drive a car without a license. Let’s find out what Montana’s mandatory vehicle licensing laws are.

– Penalties for Driving Without Insurance

  • First Offense – Fine: $250 to $500 fine and/or imprisonment for no more than 10 days
  • Second Offense – Fine: $350 and/or imprisonment for no more than 10 days — within five years; license and registration revoked until proof of insurance and payment of reinstatement fees within 90 days

Practically speaking, you won’t do jail time for a first or second no insurance offense, but you will pay a fine.

The state of Montana developed a web-based verification system (MTIVS) to confirm if a vehicle has minimum liability insurance coverage. This system can be accessed by drivers and law enforcement anytime, anywhere.

– Teen Driver Laws

Young Driver Licensing LawsMinimum AgePassenger RestrictionsTime Restrictions
Learner's Permit14 years, 6 months if enrolled in an approved driver education program
16 years old otherwise
A licensed parent, guardian or another authorized (by parent or guardian) individual must supervise
All passengers must be seat belted
Teens must have a supervised 50 hours of driving practice, including 10 hours at night
Provisional License15 years old and have held learner's permit for at least 6 months.First 6 months—no more than 1 passenger younger than 18; second 6 months—no more than 3 passengers younger than 18 (family members excepted unless otherwise noted)Between 11 p.m. and 5 a.m. Nighttime Restrictions: 12 months or at age 18, whichever occurs first (min. age: 16)
Full License16 years old if held provisional license for at least 12 months.
18 years old otherwise
NoneNone

– Older Driver and General Population License Renewal Procedure

License Renewal Procedures
    
License renewal cycleGeneral population: 8 years or 75th birthday, whichever occurs firstOlder population: 4 years for people 75 and older
Mail or online renewal permittedGeneral population: both, every other renewalOlder population: both, every other renewal
Proof of adequate vision required at renewalGeneral population: every renewalOlder population: every renewal

– New Residents

If you are about to make the move to Montana or even just planning on visiting, here’s what you need to know:

  • The Montana Motor Vehicle Division handles all matters related to vehicle licensing.
  • New residents must apply for a Montana driver license within 60 days of moving to the state if seeking a non-commercial driver license and within 30 days if they need a commercial license.
  • New residents also may be required to pass written and road tests, in addition to a vision test, unless licensed in another state in which case these three tests may be waived.
  • Maximum posted speed limits are 80 mph on rural interstates, 65 mph on urban interstates, and 70 mph during the day and 65 mph during the night on both limited access roads and all other roads.
  • In Montana, when two vehicles meet on a steep road that isn’t wide enough for both to pass safely, a vehicle going downhill should yield the right-of-way to a vehicle going uphill.

– Comparative Negligence

Montana’s negligence laws err on the side of 51 percent comparative negligence.

What does this mean?

If you wish to pursue a case against the at-fault driver for additional damages, you must prove negligence on behalf of the other party as direct causation to your injuries.

However, the injured individual must be less than 51 percent at fault to claim damages. If it is discovered that you were 51 percent or more at fault, you would not be able to proceed with a claim against the other driver.

Furthermore, if you bear less than 51 percent of fault in the accident, the percentage of fault you carry will be subtracted from any damages you do recover.

– Montana’s Rules of the Road

Now, before you get out on the open road in the Treasure State, you need to know the rules so you can stay safe and keep your rates down.

Ready?

– Fault vs. No-Fault

The first thing to know is that Montana follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a crash: that includes car accident injuries, lost income, vehicle damage, and so on.

– Keep Right and Move Over Laws

Montana’s 2017 annotated statute 61-8-321 states that you should keep right if you are driving slower than the average speed of surrounding traffic with four exceptions.

Move over laws in Montana require that when emergency and maintenance vehicles are on stopped on the roadside, drivers move into a non-adjacent lane if safe and prudent to do so. If unable to move into a non-adjacent lane, drivers must slow down.

– Speed Limits

Maximum posted speed limits are 80 mph on rural interstates, 65 mph on urban interstates, and 70 mph during the day and 65 mph during the night on both limited access roads and all other roads.

– Carseat and Cargo Area Laws

All children five years and younger or less than 60 pounds must be restrained in a child safety seat.

Violation of Montana’s child seat law may not only put the child in danger, but could result in a base fine of $100 plus additional fees.

Children six years of age and up who weigh 60 pounds or more are allowed to sit in all seats with no preference for the rear seat. It’s important to note children may not move out of child safety seat until both requirements are met: six years and 60 pounds.

Montana does not impose restrictions on who can ride in pickup truck cargo areas.

– Ridesharing

Rideshare services like Uber and Lyft mandate that all their drivers carry personal car insurance policies that align or exceed the minimum coverages dictated by state law. Drivers rarely carry their own commercial insurance coverage; however, Farmers does provide rideshare insurance.

– Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS),

Automation is the use of a machine or technology to perform a task or function that was previously carried out by a human. In driving, automation involves using radar, camera and other sensors to gather information about a vehicle’s surroundings, which is then used by computer programs to perform parts or all of the driving task on a sustained basis.”

Currently, Montana has no restrictions on autonomous vehicles.

– Montana’s Safety Laws

But wait, there’s more! Let’s dig deeper into Montana’s safety laws to protect you on the open road.

– DUI Laws

DUI LawsDetails
BAC Limit0.08
HIGH BAC LimitN/A
Criminal Status by Offense1st-3rd misdemeanors, 4th+ felonies
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period10 years for 2nd offense, unlimited/lifetime for 3rd+
1st Offense-ALS or Revocation6 month suspension
1st Offense Imprisonment24 hours-6 months
1st Offense-Fine$600-$1000 +$200 reinstatement fee
1st Offense-Other10 license points for life; must participate in ACT phases (assessment, course, treatment); may be ordered to use IID
2nd Offense-DL Revocation1 year suspension
2nd Offense-Imprisonment7 days-1 year
2nd Offense-Fine$1200-$2000
2nd Offense-Other10 license points for life; may be required to enroll in 24-17 sobriety program
3rd Offense-DL Revocation1 year suspension
3rd Offense-Imprisonment30 days-1 year
3rd Offense-Fine$2500-$5000
3rd Offense-Other10 license points=30 total - DL revoked for Habitual Traffic Offender
Mandatory InterlockNo

– Marijuana-Impaired Driving Laws

Montana currently has marijuana-specific impaired driving laws. The blood level is not to exceed five nanograms of THC per se.

– Distracted Driving Laws

The state of Montana currently has no ban on texting and hand-held devices for all drivers. It’s the only state in the US that has no bans for cell phone use while driving.

Be aware, though, that although there are no state-wide bans, select cities and counties – where over 1/3 of the population lives –  have enacted handheld bands. In fact, all the major cities with the exception of Kalispell have handsfree laws. Check out this map below.

map of montana with handheld bans

Montana Fascinating Facts You Need to Know

Do you want to know how safe it really is for drivers in Montana? Well, the data our researchers found might surprise you.

Let’s take a look…

– Vehicle Theft in Montana

In 2016 alone, there were just over 1,600 motor vehicle thefts in the state of Montana. Here are the top 10 stolen cars in Montana.

Make/ModelYearNumber of Thefts
Chevrolet Pickup (Full Size)1999165
Ford Pickup (Full Size)1995145
Dodge Pickup (Full Size)200678
GMC Pickup (Full Size)200855
Honda Accord199452
Chevrolet Impala200131
Ford Explorer199627
Chevrolet Pickup (Small Size)199524
Toyota Camry201523
Ford Pickup (Small Size)200022

– Risky/Harmful Driving Behavior

The best way to stay safe while driving is to always keep your eyes on the road and stay aware of common risky driving issues in your state.

Let’s delve into this a bit further…

– 2017 Traffic Fatalities

TypeNumber of Fatalities
Traffic Fatalities186
Passenger Vehicle Occupant Fatalities (All Seat Positions)143
Motorcyclist Fatalities23
Drivers Involved in Fatal Crashes228
Pedestrian Fatalities14
Bicyclist and other Cyclist Fatalities1

– Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)144
Motorcyclists23
Nonoccupants14

– Fatalities by Crash Type

Crash TypeNumber
Single Vehicle116
Involving a Large Truck22
Involving Speeding59
Involving a Rollover90
Involving a Roadway Departure139
Involving an Intersection (or Intersection Related)23

– Five Year Trend for the Top 10 Counties

Montana Counties by 2017 RankingFatalities
2013
Fatalities
2014
Fatalities
2015
Fatalities
2016
Fatalities 2017
Missoula County1515152017
Flathead County2113121815
Big Horn County109111313
Yellowstone County2118171712
Lewis And Clark County7615411
Gallatin County9910109
Lake County116689
Glacier County157677
Broadwater County23206
Cascade County12159126
Top Ten Counties130109114118105
All Other Counties99831107281
All Counties229192224190186

– Fatalities Involving Speeding by County

County NameFatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K
2016
Fatalities Per 100K 2017
Flathead County856558.625.296.275.125
Gallatin County234452.123.093.993.844.64
Yellowstone County877555.214.514.483.173.15
Lewis And Clark County0133401.524.544.495.9
Glacier County9353365.3621.9236.7121.9521.99
Hill County0150306.0730.45018.22
Missoula County555334.484.454.392.592.55
Treasure County000030000441.83
Big Horn County113827.627.522.659.8314.97
Broadwater County1000217.600033.69

– Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

County Name Fatalities 2013Fatalities 2014Fatalities 2015Fatalities 2016Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Gallatin County353663.185.152.995.775.57
Big Horn County5456538.1230.0137.6644.8737.43
Glacier County12357487.1521.9236.7151.2129.33
Lake County4414413.7713.733.413.4613.21
Lewis And Clark County311444.611.521.515.995.9
Missoula County635545.382.674.394.313.41
Yellowstone County6135943.918.383.25.712.52
Dawson County1030310.67031.39033.52
Broadwater County01002017.680033.69
Cascade County693527.3110.983.676.142.45

– Teen Drinking and Driving

Teens and Drunk DrivingDetails
Alcohol-Impaired Driving Fatalities Per 100K Population3.0
Higher/Lower Than National Average (1.2)Highest in the Nation
DUI Arrest (Under 18 years old)42
DUI Arrests (Under 18 years old) Total Per Million People184.53

– EMS Response Time

Type of Crash Time of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Rural Fatal Crashes9.2315.5542.3359.38
Urban Fatal Crashes1.236.2527.7735.38

– Transportation

If you live in Montana, chances are you live in a two-car (or more!) household, drive alone to work, and spend a hefty amount of your day commuting!

With an average commute time of 16.4 minutes, Montana ranks below the national average, but with over 76 percent of the population driving alone, that commute doesn’t exactly rank Montana as the greenest state when it comes to carbon emissions.

– Car Ownership

– Commute Time


Some Montanans (1.55 percent to be exact) even suffer through a “super commute” — spending in excess of 90 minutes in the car!

– Commuter Transportation

– Traffic Congestion

Is traffic a major problem in Montana?

The time spent in traffic doesn’t compare to a city like Los Angelos, that’s for sure, but as people flood into the state, metropolitan areas are experiencing significantly more traffic.

Don’t waste another minute while you wait. Start comparison shopping car insurance rates today!

References:

  1. https://mtdinotrail.org/
  2. https://www.nolo.com/legal-encyclopedia/montana-car-insurance-requirements.html
  3. https://www.mtivs.com/Index.aspx
  4. https://smartasset.com/taxes/montana-tax-calculator
  5. https://www.quicken.com/taking-inventory-your-personal-finances-how-much-your-paycheck-should-you-budget-bills-s
  6. https://www.naic.org/
  7. https://money.howstuffworks.com/personal-finance/auto-insurance/comprehensive-auto-insurance-cover.htm
  8. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
  9. https://www.naic.org/consumer_glossary.htm
  10. https://www.tomorrowmakers.com/motor-insurance/understanding-benefits-7-major-car-insurance-riders-listicle
  11. https://weather.com/news/weather/news/2018-02-15-montana-temperature-rise-82-degrees-in-one-day-extreme-temperature%20
  12. https://billingsgazette.com/news/local/facts-that-prove-montana-weather-is-outrageous/article_a54a7228-810a-501a-bccd-303a3fb006e8.html
  13. https://www.tirebuyer.com/education/tire-inflation-pressure-and-temperature
  14. https://www.washingtonpost.com/archive/politics/1985/10/01/montana-implements-policy-of-unisex-insurance/c8897a22-a667-4d6e-acb2-b695702e1b31/?utm_term=.1c51be9bc0a2
  15. https://www.iii.org/article/what-determines-price-my-auto-insurance-policy
  16. https://www.experian.com/blogs/ask-experian/state-of-credit/
  17. https://www.nolo.com/legal-encyclopedia/how-to-avoid-credit-card-debt.html
  18. https://www.nolo.com/legal-encyclopedia/car-insurance-factors-that-affect-your-premiums.html
  19. https://www.iihs.org/iihs/topics/laws/statelaws?stateabbr=MT
  20. https://www.aipso.com/Plan-Sites/Montana
  21. https://www.aipso.com/PlanSites/WesternRegion.aspx
  22. https://dojmt.gov/driving/insurance-and-verification/
  23. https://www.iii.org/article/background-on-insurance-fraud
  24. https://statelaws.findlaw.com/montana-law/montana-insurance-fraud-laws.html
  25. https://www.nolo.com/legal-encyclopedia/montana-car-accident-laws.html
  26. https://leg.mt.gov/bills/mca/title_0270/chapter_0020/part_0040/sections_index.html
  27. https://dojmt.gov/driving/driver-licensing/#DLID10
  28. https://grizzlylaw.com/insurance-defense/negligence/
  29. https://leg.mt.gov/bills/mca/title_0610/chapter_0080/part_0030/section_0210/0610-0080-0030-0210.html
  30. https://www.mdt.mt.gov/visionzero/docs/CELL-PHONE-BAN-MAP.PDF
  31. https://www.iihs.org/iihs/topics/laws/safetybeltuse?topicName=safety-belts
  32. https://www.iihs.org/iihs/topics/laws/cargoareas?topicName=safety-belts
  33. https://www.nolo.com/legal-encyclopedia/i-was-hit-by-an-uber-or-lyft-driver-what-now.html
  34. https://www.iihs.org/iihs/topics/laws/driving-automation
  35. https://www.responsibility.org/alcohol-statistics/state-map/state/montana/issue/marijuana-drug-impaired-driving-laws/
  36. https://www.iihs.org/iihs/topics/laws/cellphonelaws
  37. https://ucr.fbi.gov/crime-in-the-u.s/2016/crime-in-the-u.s.-2016/tables/table-6/table-6-state-cuts/montana.xls
  38. https://cdan.nhtsa.gov/SASStoredProcess/guest
  39. https://datausa.io/profile/geo/montana/#category_transportation

FREE Car Insurance Comparison

Compare quotes from the top car insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]