The Treasure State

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Montana Auto Insurance Coverage

Home to a diverse terrain ranging from the Rocky Mountains to the Great Plains, there's a lot to explore in Montana. But, whether you're new in town or have deep roots in the Treasure State, it's essential to understand the auto insurance requirements in Montana. 

Required Auto Insurance in Montana

Montana requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. Montana requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $20,000 per accident.

Montana Teen Driving Laws

Montana operates under a Graduated Drivers License (GDL) Law, which includes three stages: Permit Period, First-Year Restricted License, and Full Driver's License. 

  • Permit Period: At 15, Montana teens can apply for their learner's permit. With a learner's permit, teens must complete 50 hours of supervised driving with 10 hours being at night.
  • First-Year Restricted License: Teens may obtain a restricted license after completing their supervised driving requirements, passing a driving skills test, and holding their permit for 6 months. With this license, teens are restricted from driving between 11:00 PM and 5:00 AM. 
  • Full Driver's License: At 18, or after a year with a restricted license, teens will automatically have their license upgraded to a full license with full driving privileges. 

Please be aware of additional restrictions for teen drivers in Montana. 

Montana Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in Montana. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage Options in Montana

No law in Montana states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your Montana auto insurance quote online, or by calling (888) 772-4247.

Learn More About Montana

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About Montana

Montana become America's 41st state in 1889. Known for its scenic landscapes and abundance of wildlife, Montana is a paradise for any adventurer that loves the outdoors.