Montana car insurance: minimums, prices and your estimate
Montana requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
Montana is an at-fault state with no personal injury protection requirement. A 2021 law relaxed its 1985 unisex insurance rule, so since January 2022 insurers may use sex and marital status in pricing; a state district court upheld that law in March 2026.
- Legal minimum
- 25/50/20
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years)
What drivers in Montana can expect to pay
Monthly ranges from our model, anchored to Montana's position in 7 published price studies from 2025 and 2026 ($2,719 a year for full coverage and $523 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $195-$258 | $2,719 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $38-$50 | $523 |
| Young driver, full coverage20, own policy, clean record | $363-$544 | $5,438 |
| Senior, full coverage70, clean record | $187-$248 | $2,610 |
| After one at-fault accident35, full coverage | $293-$388 | $4,079 |
| After a DUI35, full coverage | $341-$511 | $5,112 |
| Poor credit35, clean record, full coverage | $348-$500 | $5,085 |
Build your Montana estimate
Rules worth knowing in Montana
- Every policy must include uninsured motorist coverage at 25/50 unless you reject it. If you do, your insurer does not have to add it back at renewal unless you ask in writing.
- Underinsured motorist coverage is optional, so ask your insurer about it if you want it.
- Insurers may use credit-based insurance scores, but credit alone cannot be the reason to deny, cancel or refuse to renew a policy, or to set your renewal rate. You can ask to be re-rated at renewal, up to once every 12 months.
- You can ask in writing for a reasonable exception to credit-based rating after events such as catastrophic illness, job loss, a death in the family, identity theft or overseas military service.
- You must keep coverage in force continuously unless you hold a certificate of self-insurance.
- Montana uses the SR-22 as proof of insurance, and the state must let you drop it after 3 years if you have had no license-suspending convictions in that time and meet its other conditions.
Questions about Montana car insurance
What is the minimum car insurance in Montana?
Montana requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
How much is car insurance in Montana per month?
For a 35-year-old with a clean record, our model puts full coverage at about $195 to $258 a month and state-minimum coverage at about $38 to $50. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Montana a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Montana use my credit score?
Yes. Many insurers in Montana use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Montana?
Only if a court or the state requires one, usually after a serious violation or a lapse. Montana uses the SR-22 as proof of insurance, and the state must let you drop it after 3 years if you have had no license-suspending convictions in that time and meet its other conditions.