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

Cheap Insurance Montana

Cheap Insurance Montana

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.

State Car Insurance Requirements

  • The mandatory minimum for bodily injury coverage per person in Montana is $25,000.
  • The mandatory minimum for bodily injury coverage per accident in Montana is $50,000.
  • The mandatory minimum for property damage coverage in Montana is $10,000.

Did you know?

  • Be sure to bring a coat! The coldest recorded temperature in continental US history was at Roger’s Pass, Montana on January 20, 1954 – when temperatures plummeted to -70 degrees Fahrenheit.
  • Because of the damage studded tires can cause roadways when snow and ice are not present, the State restricts their use to October through May.

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.

We Have Your Town Covered!

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

Have questions about auto insurance in your state? Want a quote for car insurance? Start with your zipcode for a fast, free quote.

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Not Convinced?

Local Montana agencies we can beat in price.

Western States Insurance
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2180 Overland Ave Ste 102
Billings, MT 59102
(406) 656-9800

Roger Daniel Insurance Agency
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2047 Broadwater Ave
Billings, MT 59102
(406) 252-3411

Conver & Winchell Insurance
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2500 Grand Ave
Billings, MT 59102
(406) 652-0720