Big Sky Country means there’s plenty to enjoy in Montana, but if you want to see the scenery from your car, you should familiarize yourself with basic Montana auto insurance laws before you get behind the wheel. there is. Montana has only about 806,000 licensed drivers, but Montana’s insurance laws remain important.
Montana auto insurance law
Montana’s insurance laws are similar to those enacted in many other states. If you drive in Montana, be prepared to:
- Please present your insurance card if requested by the person in charge
- Show your driver’s license and registration card
- 25/50/20 minimum liability insurance: $25,000 personal injury, $50,000 personal injury/accident, $20,000 property damage/accident
montana liability insurance
The 25/50/20 minimum liability coverage required by Montana is designed to provide protection against personal injury and property damage caused by you in an accident deemed to be your fault. However, carrying the bare minimum exposes you to potential financial hardship.
For example, the property damage limit is $20,000 per accident. Most new cars cost him well over $20,000. If it is determined that the accident was your fault, the other driver has the right to sue you for the remaining costs of replacing the damaged vehicle.
The minimum liability for personal injury or accident is not as strong as what you must carry. $50,000 per accident barely covers medical costs if you have multiple injuries in a serious accident. The safest plan is to get as much liability insurance as possible to avoid missing any compensation payments That’s it.
Is Montana the perfect state?
Montana, like most other states, follows traditional error laws. Drivers in Montana are required by law to carry the minimum liability insurance required by the state.
This also means that in the event of an accident in which you can prove you were at fault, your insurance company must have liability insurance for personal injury and property damage as part of your policy. means that if your insurance coverage is inadequate, other drivers have the right to sue you for reimbursement of costs.
Penalties for uninsured driving in Montana
Montana has clear and severe penalties for driving without insurance. If you are a first-time offender driving without auto insurance in Montana, you may be charged with a misdemeanor. They are also subject to fines, and fines for subpoenas without insurance range from $250 to $500, or up to 10 days in prison.
A second offense of driving without insurance carries a minimum fine of $350 or 10 days in prison. Additionally, your driver’s license will be suspended for 90 days. In addition, 5 points will be added to the ticket. Once you reach 30 points, your license will be revoked.
Third and subsequent convictions for driving without insurance carry a fine of $500 or imprisonment of up to 6 months.
Montana Auto Insurance Additional Coverage Options
With a variety of add-ons and options, Montana drivers can customize their auto insurance to suit their needs and budget. Montanans average annual premium rate is $301 for minimum coverage and $1,722 for full coverage. If your budget allows, consider adding the following to improve coverage:
- collision: Collision insurance covers car damage caused by collisions with other vehicles or other objects such as cars. B. It grows trees.
- comprehensive: Comprehensive insurance covers car damage not covered in an accident. This includes non-motor vehicle accidents such as hail, flood, water, explosion, fire, theft and vandalism.
- Uninsured/Underinsured Drivers (UM and UIM): UM and UIM provide additional financial protection if you are involved in an accident and the at-fault driver is uninsured or uninsured. Pay for necessary medical bills, lost wages, and other accident-related costs, even if the other driver is uninsured.
- Payment of medical expenses: If you want to have health insurance regardless of the driver’s fault, select the health insurance option and it will cover injuries in an accident.
- Roadside assistance: Roadside Assistance can help if you’re out of petrol, out of battery or need towing. This optional coverage has many benefits if your car is stuck.
- Car rental refund: If your car is in the shop due to accidental damage, this option offers a refund for the rental car for the period. Become.
- Gap coverage: If you own a new car and are financing or leasing your payments, your lender may require additional Gap insurance. This covers the difference between the value of the rapidly depreciating car and what you owe your creditors.
Frequently Asked Questions
What are the best auto insurance companies in Montana?
There are several factors that go into calling an airline the best in Montana. Business Insurance analyzed customer satisfaction, financial stability, and competitive rates to determine which company would best serve its customers in Montana. Pemco and USAA have a strong reputation and offer many benefits to their customers.
What is the cheapest car insurance in Montana?
Budgets are a big concern for many drivers and fortunately for almost any budget you can find a comprehensive policy that fits your needs. Business Insurance researched several companies to find the most affordable options in Montana. USAA ranked first for lowest rates, averaging $161 per year for minimal coverage and $982 for full coverage.
How to get cheaper car insurance premiums?
Take the time to compare prices and quotes from multiple carriers before ruling out options to include in your policy. Be sure to take advantage of all the discounts we offer, including packages, safe drivers and full payment. You can lower your premium by accepting a higher deductible. Ultimately, a higher credit rating will result in lower premiums compared to someone with a lower credit rating.