Montana Car Insurance

Car Insurance in Montana

In the state of Montana you can satisfy the states requirements of financial responsibility two ways. The easiest way is by securing an auto insurance policy through a state licensed insurance company. The other way is by providing the Department of Justice MVD the necessary information listed under the alternatives tab. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Montana online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Montana requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$25,000 for injury/death for one person
$50,000 for injury/death to more than one person
$10,000 for damage to property

Accepted proof of insurance:

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. Proof of bond or confirmation letter for cash deposit with the State Treasurer.

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For more information about insurance in the state of Montana you can contact the Montana Department of Justice MVD at (406) 444-3933 or visit the Montana Department of Justice MVD web site.

Outside of purchasing auto insurance to meet your financial responsibilities in the state of Montana you can apply  for the following insurance alternatives. These alternative options will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter.

Approved insurance alternatives:

Proof of financial responsibility may be furnished by filing with the department the bond of a surety company authorized to transact business in the state or a bond with at least two individual sureties each owning real estate within this state and together having equities equal in value to at least twice the amount of the bond
Proof of financial responsibility may be evidenced by the certificate of the state treasurer that the person named in the certificate has deposited with the treasurer $55,000 in cash, or securities that may legally be purchased by savings banks or for trust funds of a market value of $55,000.

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For more information about insurance in the state of Montana you can contact the Montana Department of Justice MVD at (406) 444-3933 or visit the Montana Department of Justice MVD web site.

The state of Montana takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Driving without car insurance 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.
Repeat offenders:
A second offense will result in a minimum $350 fine or 10 days in jail. Your driver license will be revoked for 90 days. You will also get 5 points on your driving record; a total of 30 points will result in the revocation of your driver license.
A third or subsequent conviction is punishable by a fine of $500 or by imprisonment for not more than six months, or both.

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For more information about insurance in the state of Montana you can contact the Montana Department of Justice MVD at (406) 444-3933 or visit the Montana Department of Justice MVD web site.