Buy Cheap Montana Auto Insurance in 2024
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State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$10,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
Not required, but recommended
Underinsured Motorist
Not required, but recommended
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Montana Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban in Montana.
All Cell Phone Use Ban for Novice Drivers:
No
There is no ban in Montana.
Texting Ban:
No
There is no ban in Montana.
DUI Laws
Buy Cheap Montana Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.16
There's an increased penalty for drivers with a BAC of 0.16 or above.
1st offense Suspension:
None
None in Montana.
Ignition Interlocks:
Mandatory for repeat offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Montana made the installation of ignition interlocks mandatory for repeat offenders.
Repeat Offenders:
None
None in Montana.
Open Container Law:
Yes
No driver or passenger can have any bottle, can, jar or other receptacle containing any alcoholic beverage that has been opened or unsealed and is immediately capabale of being consumed. Open containers can be stored in a locked glove compartment.
Graduated Drivers License
Buy Cheap Montana Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 14 years and six months of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 15
Night Driving Restriction: 11pm-5am
Passenger Restriction: No more than 1 passenger under 18 (first 6 months), no more than 3 passengers under 18 (for the next 6 months)
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 15 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 5am and cannot drive with with more than one passenger under the age of 18 for the first six months and no more than three passengers under 18 for the following year and six months.
Full Privilege Age:
Age: 16
(Full driver's license): At the age of 16, Montana drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
75
MPH
SPEED LIMIT
65
MPH
Urban Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Other Limited Access Roads:
SPEED LIMIT
65
MPH
SPEED LIMIT
65 MPH
Page Source: ghsa.org
Buy Cheap Montana Auto Insurance in 2024
Department of Insurance
Website: www.csi.mt.gov/
Address: 840 Helena Ave., Helena, Montana 59601
Phone: 800-332-6148 or 406-444-2040
Buy Cheap Montana Auto Insurance in 2024
DMV Information
Website: https://dojmt.gov/driving/default.asp
Phone: 406-444-3933