Consumer Guide to Auto Insurance Helping Montana consumers make informed decisions on auto insurance 2025

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Led by Insurance Commissioner Ricardo Lara, the California Department of Insurance is the consumer protection agency for the nations largest insurance marketplace and safeguards all of the states consumers by fairly regulating the insurance industry.
In short, the answer is no. Montana is actually a tort state also known as an at-fault state. In the United States, this is the most common form of liability law relating to fault and liability. Oregon is also a tort state.
Montana Auto Insurance Requirements All car owners in Montana are required by law to carry the following minimum levels of insurance: Bodily injury: $25,000 per person and $50,000 per accident. Property damage: $20,000 per accident. Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident*
Most believe auto insurance follows the driver, not the vehicle. Not the case in Montana where insurance follows the vehicle. Before you lend your car to a friend or let a family member not listed on your auto insurance policy drive your car, be sure you understand your insurance coverage in the event of an accident.
Here are 10 things auto insurance companies dont want you to know. You can hire a lawyer to represent you right after the crash. Insurance companies may try to low-ball your settlement. The insurance company of the other driver is not your friend. If your insurance company denies your claim, you can fight back.

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Every Montana driver is required to carry liability insurance on their vehicle. Thats the law. But there are other laws that govern what the insurance company must coverand how you, as the customer, must be treated.
Reasons Why Insurance Is So Expensive in Montana The occasional severe weather threats in Montana might contribute to the higher average cost of car insurance in the state. Additionally, Montanas high rate of traffic fatalities, at 19.6 deaths per 100,000 residents, could also impact insurance costs.

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