Montana Auto Insurance

The state of Montana uses a Tort system, which means that whoever is found at fault for causing a car accident is responsible for covering the property damages caused and the eventual medical expenses of the people involved.

Minimum Liability Requirements in Montana

As of April 2026, Montana requires drivers to carry minimum liability coverage of 25/50/20 — at least $25,000 in bodily injury liability per injured person, up to $50,000 per accident, and $20,000 in property damage liability.

Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.

Average Car Insurance Premiums in Montana

Drivers in Montana pay an average of $2,319 a year for full-coverage car insurance — 21% below the national average of $2,922 a year.

Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.

About driving and using cellphones

Montana is one of the few states that doesn’t have any cellphone or texting laws. There was a bill proposed by the State Senate in 2011 to prohibit distracted driving, but it didn’t pass. Still, officials recommend that drivers use hands-free devices when engaging in phone conversations and keeping text-based communication down to a bare minimum.

Teenage driving regulations

Montana uses the Graduated Driver License system, a concept meant to accommodate teenage drivers with real-life situations, rather than mere theory and traffic simulators.

Newbie drivers may never drive alone — they must be supervised by a parent or legal guardian at all times. All their passengers must wear seatbelts and, as a consequence, they may not transport more passengers than the number of seatbelts in the car. The provisional license is revoked if the teen commits an alcohol or drug-related offense in the first 12 months.

Kids with more than a year of experience may drive unaccompanied if they are on their way to or from school or work.

Penalties for driving uninsured in Montana

Penalties for driving without insurance in Montana depend on the number of offenses:

• first offense: a fine between $250 and $500, jail time of up to 10 days;
• second offense: a fine between $350 and $800, 10 days of jail time, 90 days suspension of your license and registration;
• third and subsequent offenses: a fine between $500 and $1,000, up to 6 months of jail time, 180 days suspension of your license and registration.

AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.