Driving in Montana

Montana has some unique driving conditions, especially in the winter. While the leading cause of traffic crashes nationwide is considered to be various driving distractions (such as handheld cellphones), Montana’s weather and rural roads cause a large percentage of vehicle crashes and damage in the state. Despite the state’s vast swaths of rural land, the average auto insurance premium is around $150/month. This makes it all the more important to research as many options for cheap insurance Montana can offer.

The more you shop, the more you save, especially in the larger urban areas of the state. For example, most of Montana’s traffic accidents happen in and around Missoula, simply because there are more vehicles on the road in that area.

Insurance Facts

The average annual 12-month premium for car insurance in Montana was $1,145 as of December, 2011.

Failure to carry auto insurance in Montana carries a sentence of up to 10 days in jail and a fine of between $250 and $500 for a first offense. Repeat offenders will get points on a driving record, a fine of up to $500 and up to 6 months in jail.

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State Car Insurance Requirements

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Helpful Resources

DMV website

Most vehicle matters are administered by the Montana Department of Justice’s Motor Vehicle Division. Their website may be found here.

Registration Information

Vehicle registrations are conducted by Montana’s Title and Registration Bureau within the Department of Justice’s Motor Vehicle Division. Their website may be found here.

New registrations may be done in person at your local county treasurer’s motor vehicle office. A full listing may be found here.

New residents must transfer a vehicle registration within 60 days of becoming a resident.

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Average Annual Premiums in Montana = $1,856 | via Insure.com