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Montana Car Insurance

Whether you’re navigating icy highways, avoiding wildlife or enjoying a ride under the big sky, having the right car insurance can bring peace of mind. With reliable coverage, you’re protected against Montana’s unique driving challenges, allowing you to savor the journey without worrying about what the road might throw your way. 

Amica offers customized Montana car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don’t settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote for coverage that meets your unique needs.

Montana’s auto insurance requirements

In Montana, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you’re sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions. 

Property damage liability coverage: Coverage for damage you cause to someone else’s property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party’s vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

It's important to understand that these are just the minimum requirements, and Montana drivers may choose higher coverage limits for added protection.

Additional coverage considerations in Montana

Opting for additional auto insurance coverage beyond state-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your financial assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Montana drivers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars. 
  • Collision coverage: Coverage for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.
  • Medical payments: This coverage can help pay for medical expenses for you and your passengers if you’re injured in an accident, regardless of fault. Medical payments coverage can apply to expenses including ambulance rides, hospital stays, surgery and rehabilitation.
  • Rental reimbursement: If your vehicle is damaged in an accident and needs repairs, rental reimbursement coverage pays for transportation costs. Coverage includes rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto loan/lease coverage: Coverage for the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
  • Roadside assistance coverage: Provides roadside assistance 24/7 for issues you may face on the road like changing flat tires, jumping dead batteries, towing your car, unlocking doors and getting your vehicle unstuck from mud or snow.
  • Repairing or replacing auto glass: Provides coverage for repair or replacement of your windshield, windows and other auto glass, without a deductible.

Key factors impacting Montana car insurance rates

There are several factors that impact auto insurance in Montana, including individual circumstances, location, claims in your state and more. Consider these points:

  • Driving history: Your individual driving record significantly impacts insurance premiums. Drivers in Montana with a history of accidents or traffic violations typically face higher rates, while those with clean records may see lower rates.
  • Coverage options and limits: Opting for the state-mandated minimum coverage in Montana tends to be more affordable, whereas adding optimal coverages with higher limits may increase premiums.
  • Vehicle type: Factors such as the make and model of your vehicle, its safety rating, and repair costs all influence your car insurance premiums in Montana.
  • Weather patterns in Montana: Weather-related incidents impact car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of these reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Montana car insurance discounts for more savings

Amica offers various auto insurance discounts to help Montana policyholders save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn more savings. 
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Montana policy premium up front.

If you’re a Montana driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.1

Facts and figures about Montana

Fun facts about Montana:

  • Until 1999, Montana was one of the few states where there was no daytime speed limit on rural highways.2 
  • Despite being the fourth largest state by land area, Montana has one of the lowest populations, but one of the highest rates of car ownership per capita.3
  • Established in 1872, Yellowstone became the first national park in the U.S. and the world.4

Facts about driving in Montana:

  • Montana law classifies bicycles as vehicles, meaning they must follow the same traffic laws that reasonably apply to their use.5
  • In Montana, horseback riders are required to follow road rules, riding single file near the right side or shoulder. Approach a horse on the road carefully, maintaining a safe speed and distance. Never honk your horn at a horse; it’s illegal.5
  • Montana uses a three-tier graduated licensing program for teen drivers. Teens begin with an instruction permit, progress to a restricted license for the first year, and then qualify for a full-privilege driver’s license.5

How to get car insurance in Montana

We’re here to guide you through the process of personalizing your car insurance in Montana. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Montana drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Montana drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary. 
2 Montana Standard
3 Bureau of Transportation Statistics
4 National Park Service
5 Montana Driver Manual
  

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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