Montana Auto Insurance
You are required to have a minimum amount of Montana auto insurance in order to legally drive. This insurance is known as liability insurance and it covers injuries and damages to others when you are found at fault in an accident. There are two types of liability insurance required in Montana, bodily injury and property damage.
- Bodily Injury Liability
This insurance covers injuries and medical expenses for others when you are found at fault for an accident. It does NOT cover injuries to yourself. For that coverage, you will need some sort of medical policy. The minimum required amount of auto insurance is $25,000 per person and $50,000 per accident. You cannot lower this amount, but you can raise it, and it is recommended to do so. If the damages are more then your liability coverage, then you will be forced to pay for the remainder of the damages! This could end up costing several thousand dollars, so it is best to increase this amount to become fully protected.
- Property Damage Liability
As with bodily injury, you need to have a minimal amount of property damage auto insurance. You can increase this amount to offer full protection, but you cannot lower it, and it is recommended that you raise it. The minimum amount is $10,000, and it covers mostly the other motorist’s car. It does no cover your car. For this coverage
collision or comprehensive coverage
is needed.
It is recommended to increase both your liability coverage’s above the state minimums. The benefits of this far outweigh the negatives. The only negative is that raising these amounts will increase your insurance premiums. To determine how much your premiums will increase, get a
free online Montana auto insurance quote
. This quote will compare the companies in Montana and send you the 5 lowest prices to compare.
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