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Montana- Auto Insurance

Liability insurance is required for all motor vehicles in Montana with the exception of motorcycles.


  • All motor vehicles except motorcycles must have liability coverage.
  • The liability coverage requirements are: $25,000 for the injury or death of one person in an accident, $50,000 for the injury or death of two or more people in an accident, and $10,000 for property damage per accident.
  • Whenever you are driving, you need to have your insurance card with you, and you are required by law to present it when asked by any law enforcement officer.

Failing to comply with Montana’s mandatory insurance laws will result in financial penalties and other consequences. For a first-time offense, you could face fines of $250-$500 or have to spend up to ten days in a county jail.  You will have five points placed on your driver’s license. For a second offense, you will have to pay a fine of no less than $350 and/or spend up to ten days in jail. You will also have your license suspended for 90 days automatically.


Montana State Auditor’s Office
840 Helena Avenue
Helena, MT 59601
Phone: 1-800-332-6148

Web Site:

Montana (MT) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
  • Regulations Regarding Proof of Insurance: Proof Required – If Involved In An Accident, If Stopped By Authorities When Driving
  • Penalties For Not Carrying Mandatory auto insurance: Fine up to $500 and up to 10 days in jail

Inside Montana- Auto Insurance