Home / Minimum Car Insurance Requirements by State / Montana
Montana Minimum Car Insurance and Penalties for Driving Without It
The short answer
Montana requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20).
Montana at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20) |
|---|---|
| Other required coverage | No other coverage is required besides liability. Uninsured motorist coverage must be included unless you reject it. |
| First offense for driving uninsured | A first offense carries a fine of $250 to $500, with no jail and no license or registration penalty. |
| Repeat offense | A second conviction within 5 years carries a $350 fine, surrender of plates and suspension of the registration (a restricted employment registration is possible within 90 days). A third or later conviction carries a $500 fine, up to 10 days in county jail, or both, and a fourth or later conviction also suspends the driver license. |
| Fee to restore after a lapse | Not confirmed on a state source; ask the agency |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in Montana?
Montana requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $20,000 for property damage (25/50/20).
What happens if you drive without insurance in Montana?
A first offense carries a fine of $250 to $500, with no jail and no license or registration penalty.
Sources
- archive.legmt.gov/0610-0060-0010-0030.html
- archive.legmt.gov/0610-0060-0010-0420.html
- archive.legmt.gov/0610-0060-0010-0310.html
- cor.mt.gov/PPD-6.3.409-Offenders-wRestricted-Driving-Privileges.pdf
- archive.legmt.gov/0610-0050-0020-0180.html
- mca.legmt.gov/0610-0060-0030-0040.html
- mca.legmt.gov/0610-0060-0030-0010.html
- mca.legmt.gov/0330-0230-0020-0010.html