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Montana Car Insurance Resources

Montana Car Insurance

Car Insurance Rates in MT

^ From 2006 to 2010, Montana cities had the 37th highest auto insurance rates in the nation. [2]

Car Insurance in MT by City

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Cars Insured in MT

^ Montana ranked 43rd of all U.S. states in total auto insurance policies in 2011. [1]

MT Car Insurance

Car Insurance in Montana

Car Insurance Liability Requirements in Montana

  • Minimum Liability Limits in MT: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.

Required Car Insurance Coverage in Montana

Required Car Insurance Coverage in Montana
  • Auto Insurance Coverage Requirements in MT [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Montana

  • Insurer Verification of Auto Insurance in MT [4]
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Montana Car Insurance Facts, Estimates & Related Laws

Montana Car Insurance Facts

Montana Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in MT
    • Montana had the 36th highest auto insurance rates in the nation in 2010. [2]
    • Rates in MT ranked 36th in the nation in 2009. [2]
    • In 2008, MT had the 32nd highest rates in the country. [2]
  • Number of Auto Insurance Policies in MT
    • Montana ranked 43rd in the nation in auto insurance policies in 2011 with a total of 809,958. [1]
  • Uninsured Motorist Rate in MT
    • The uninsured motorist rate in MT ranked 30th in the nation in 2009. [3]

Montana Distracted Driving Laws

  • Hand-held phone ban? No
  • Texting-while-driving ban? No
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • n/a. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

Montana Automotive Laws

  • Safety Belt Laws in MT
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 6+ years in all seats. [7]
    • Child restraint law in place for 5 years and and younger and less than 60 pounds. [7]
  • Motorcycle Helmet Laws in MT
    • Motorcycle helmets required for 17 and younger. [7]
  • Driver's License Renewal Cycle in MT
    • Renewal cycle: 8 years, 4 years if by mail, or on 75th birthday, whichever occurs first7 [7]

Montana Auto & Driver Facts

Montana Automotive Facts

Montana Auto & Driver Facts
  • Speed Limits in MT
    • Rural interstates: 75 mph (Trucks: 65 mph) [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 70 mph (Night: 65 mph) [7]
  • Motor Fuel Consumption in MT
    • Montana cities collectively ranked 42nd in the nation in total motor fuel consumption in 2011. [9]

Montana Licensed Drivers

  • Licensed Drivers in MT [10]
    • Total Drivers: 752,483
    • Female: 370,437
    • Male: 382,046
    • MT has the 43rd most drivers in the U.S.
  • Minimum Driving Age in MT [5]
    • Montana has a minimum driving age of 14 years, 6 months.

Montana Auto Registrations

  • Auto Registrations in MT [8]
    • Registered Cars: 435,575
    • Registered Trucks: 731,783
    • Registered Motorcycles: 47,011
    • Total Registrations: 1,219,158
    • Rank: Montana ranked 41st in the United States in total auto registrations in 2011.

Additional information about Montana

About Montana

Montana has a population of approximately 989,415, which ranks 44th in the U.S. among all states. [6]

MT Car Insurance

More about Montana auto insurance

For more information about auto insurance in MT, or for additional resources regarding Montana car insurance, visit the Montana Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.


1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

Montana Cities