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Best Affordable Auto Insurance in Montana
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Montana state law sets minimum liability requirements for auto insurance after a review and report from the department of insurance. One of the best ways to get a cheap car insurance policy is to know what was contained in the report, and exactly what type of basic coverage you need from an insurer. Currently the state limits are set at $25,000 bodily injury coverage for one person, $50,000 for coverage of bodily injury for two or more people in a single accident, and $10,000 of property damage to cover destruction of personal property. Liability insurance is an essential part of your policy as it covers you against damages you cause to others if you are at fault in an accident. The basic policy does not protect you against your own losses, and is only used to protect those harmed by your poor driving. It is important to note that all insurers are mandated by the state offer uninsured motorist coverage to the consumer when they inquire about purchasing a policy. State law does not require you to purchase uninsured motorist coverage, but be aware you will be offered it by every insurer you get a quote from. As a consumer, you may want to consider higher liability limits than the state minimum, because the minimums may not cover your exposure to lawsuits. Also, the state's minimum requirements do not include comprehensive and collision coverage, they are optional, but suggested for drivers with bad records, and some dealerships will require you to purchase them if you are leasing a vehicle. Finding the best and most affordable auto insurance in Montana can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Montana. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Big Sky Country.

Understanding Montana's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Montana one must understand what coverage they need. Montana simplifies policies for its residents by not being a no-fault state, and not requiring Personal Injury Protection (PIP) or coverage from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Montana the minimums are 25/50/25. The numbers are in thousands of dollars.

Montana Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: No
  • Average Liability Cost: $409
  • Average Collision Cost: $238
  • Average Comprehensive Cost: $184
  • Average Cost per Year in Montana: $666
  • US Average Cost: $795
  • Expense Rank: 33/51

Best Montana Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
40%
55%
N/R
30%
N/A N/R
39%
63%
N/A 42%
34%
N/R
N/A N/R
35%
N/A 23%
42%
N/R
N/A 50%
N/A N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%