Montana Car Insurance

It’s easy to get caught up in the beauty of the Big Sky State, but residents know it’s best to keep alert and stay focused on the road ahead. Keeping one’s property, passengers, and health secure is just as important when it comes to car insurance in Montana. To make this task easy, The Simple Dollar has compiled several useful resources to help consumers better understand the information they need to stay on top of their policy.

 

 

 

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Stats in Your State

Visualizing the factors that affect your car insurance premiums is a great way to get a better understanding of what affects the price of auto insurance. To figure out if you’re spending too much for your insurance policy, cross check your premiums with the following graphs. Also listed are traffic fatalities and car repair costs, two factors that affect insurance premiums directly.

Auto Insurance Premiums

Montana’s car insurance rates rank among the lowest in the country, and well below the country’s average premiums. From 2000 to 2008, Montana insurance premiums hovered around $150 less than the U.S. average premium.

Traffic Fatalities over time

From 1999 to 2011, traffic fatalities in Montana fluctuated between a high of 277 deaths in 2007 to a low of 189 in 2010. Stricter safety standards for auto manufacturers have led to a nationwide decline in traffic deaths since 2007.

Auto Repair Costs

In 2010 and 2011, Montana essentially swapped statistics with the U.S. average car repair cost, jumping from well below to well above the national average between the two years. This could indicate onumerous factors, including whether or not certain people fix their cars, and what types of repairs ultimately get performed. Higher car repair costs can also mean a better economic climate, since more people are spending money to fix their vehicles.

Rules in Your State

Below you’ll find the essential rules of the road for Montana drivers. Staying safe and legal is paramount to keeping your insurance rates low, so we’ve outlined the basic regulations for insurance requirements, licensing restrictions for new drivers, and drunk driving laws.

Minimum Car Insurance Requirements in Montana

The consumer guide to auto insurance states:

  • $25,000 of bodily injury to another person
  • $50,000 of bodily injuries to all other persons in any one accident
  • $10,000 of injury to or destruction of property of others in any one accident

Required Proof of Insurance for Montana Drivers

  • Name of the insurance company
  • Insurance policy number
  • Effective date and expiration date of the policy
  • Accurate description of year, make, model and vehicle
  • identification number of registered vehicle
  • Name of insured driver

Montana Licensing Facts for Teen Drivers

Parents and teens alike should review Montana’s graduated driver license rules; briefly:

  • Hardship License for Minors? No.
  • Learner’s Permit Age: 14 years, 6 months. New drivers must log at least 50 practice hours of driving.
  • Restricted License Age: 15 years. With a restricted license, teen drivers may not drive between 11 pm and 5 am for the first year of their restricted license; furthermore, they may only have 1 passenger under the age of 18 for the first 6 months, and no more than 3 passengers under the age of 18 for the second 6 months.
  • Full License (Unrestricted) Age: 16 years.

DUI/DWI Laws:

Administrative license suspension 1st offense? 6 month suspension
Restore driving privileges during suspension? If the convicting judge determines hardship warrants a probationary license renewal, yes.
Are ignition interlocks mandatory for first offenders for the following offenses? The convicting judge may order an ignition interlock for first time offenders.
Are ignition interlocks mandatory for repeat offenders for the following offenses? yes
Fine for first offense? $300 to $1,000
Jail sentence for first offense? 1 day to 6 months

Representatives & Resources in Your State

The representatives and resources below provide sound information and advice to guide consumers on their quest for knowledge and information on how to stay safe, legal, and well-insured on the roads. Use the government resources for sound guidance on choosing the best policy for your needs, and contact the Department of Insurance for consumer advocacy and further questions on insurance.

Montana Department of Insurance
Commissioner of Securities and Insurance
840 Helena Ave
Helena, Montana 59601
(406) 444-2040
Complaint Resource
The consumer complaint resource is designed as a consumer advocacy tool to hold insurers accountable for unfair or discriminatory practices against consumers.
Auto Insurance Resource
This resource provides user-friendly guides and brochures about auto insurance in Montana.

Montana Department of Justice: Driver Licenses and ID Cards
The Department of Justice regulates licensing and motor vehicles. Use the link above to reach the licensing division and find an office near you.

Montana Department of Justice: Motor Vehicle Division
Department of Justice
Scott Hart Building, Second Floor
302 North Roberts
P.O. Box 201430
Helena, MT 59620-1430
(406) 444-3933

Montana Department of Transportation
PO Box 201001
Helena, MT 59620-1001
406.444.6200
Contact Information