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  3. Montana Car Insurance Coverage


Montana Car Insurance

Learn about your state's car insurance laws.

It's important to find car insurance that fits you and your life. But, you also have to consider your state's requirements. Montana law requires that all drivers purchase certain types and amounts of car insurance coverage. These are shown in the table below. You may be able to purchase additional types of car insurance coverage, as well as increase your coverage limits to help better protect you and your vehicle.

Contact a Montana Allstate agent to better understand the different types of coverage in your area.


State Map

See auto insurance requirements in:

Montana Coverage Details

Coverage Type
Montana Requirements
Bodily Injury Liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$25,000 limit per person/$50,000 limit per accident
Property Damage Liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.
$20,000 limit
Uninsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Underinsured Motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.
Not required
Medical Payments
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Not required
Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.
Not required1
Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.
Not required1


All coverages are subject to the coverage limits stated in your policy.

1Although Montana law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Related Resources

State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums.

Subject to terms, conditions, and availability. In most states, prices vary based on how you buy. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Ins. Co. & affiliates; Northbrook, IL. © 2021 Allstate Insurance Company

Many factors go into the cost of your auto insurance policy, including how you purchase the policy: online, through a call center, or with an agent.

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