Montana
Auto Insurance Coverages
There are so many companies offering auto insurance in Montana. How do you know if you're choosing the right one? Allstate offers a variety of auto insurance policies, optional insurance coverages and other insurance products designed to meet your needs. And if your auto insurance needs change, you local Allstate agent will take time to help you make the right adjustments. If you have a teen driver, there are other considerations such as MT's Graduated Driver Licensing laws (refer to chart below).
For more information on this state, visit the Montana State Information or Montana State Catastrophe page.
Montana Auto Insurance Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Montana has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Montana-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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10,000
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50,000
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Uninsured Motorist Bodily Injury
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Not required
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25,000/50,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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Montana Graduated Driver Licensing
If you have a teen driver, you should know about Graduate Driver Licensing (GDL). GDL laws are one of the few things that have been shown to save teen lives. Protect your teen driver by reviewing these GDL laws with them and use them to form driving rules that help keep your teen driver safe.
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Insurance Institute for Highway Safety Rating
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Marginal
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Minimum Entry Age
(Optimal: 16)
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14 years, 6 mo.
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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16
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Idaho,
North Dakota,
South Dakota,
Washington,
Wyoming
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Montana. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.