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- What are the required liability limits in the state of Montana?
- Why does my insurance cost more than my agent said it would?
Montana requires you to carry liability insurance with at least the following limits:
$25,000 per person bodily injury;
$50,000 per accident bodily injury;
$20,000 property damage
Determining your premium depends on many factors, including where you live, the kind of car you drive, how much you drive, how much coverage you want, your driving record, and your age.
If an error is made in reporting any of these factors, your rates won’t be quoted correctly. Auto insurance misquotes can happen when your application information differs from your actual driving record.
Companies ask the state’s motor vehicle division to verify the records of the drivers they insure. If you told your insurance agent you have a perfect driving record, and you don’t, your insurance company will charge higher premiums than your agent quotes.
To avoid misquotes, provide accurate information about your driving record and any other factors that could affect the cost of insurance, such as the make of your car or how far you commute to work. Verify all information before signing the application.
Auto Insurance Rates in Montana
Learn more about the driving requirements in Montana, how to find the best carrier, and compare the lowest rates for your individual coverage needs.
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What Do I Need When Getting a Quote?
If you currently have insurance, we recommend you have your current Dec Page. The Dec Page has all your current information such as current coverage, pricing, and vehicle details. If you don't have insurance, you need your car information (Make, Model, and VIN), your and all driver information (date of birth and license number), and the type of insurance you need (basic liability, full coverage, higher limits).