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Better rates for better drivers in Montana

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Fair car insurance in Montana

Safe drivers in Montana can get the cheap insurance rates they deserve. From Bozeman to Helena and Great Falls to Missoula, good drivers could save hundreds. Download our easy-to-use app and see if your good driving can save you money on quality coverage.

How it works

Auto insurance rates are traditionally based on your demographics—things like age, marital status, and ZIP code. But Root is a different kind of insurance company. We base rates primarily on how you drive, not who you are. It’s the fair way to price car insurance.

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You can customize and purchase your policy, all in the Root app.

State requirements in Montana

What are the minimum auto insurance requirements in Montana?

To legally operate a vehicle in Montana, you must carry Liability insurance and Uninsured Motorist coverage. If you are found driving without it, you can face fines, suspension of your registration, and possible jail time.

Liability coverage

Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Personal Injury Protection and Medical Pay coverages are for). It also doesn’t cover your vehicle, but Collision and Comprehensive coverages do—these additional coverages can help you avoid major expenses in the event of an accident.

Minimum required Liability coverage in MT: 

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

  • $20,000 Property Damage

You can always select higher limits if you’d like more coverage.

Uninsured Motorist coverage (UM)

UM is another required coverage. This insurance pays for the damages, losses, and injuries you suffer if you’re in an accident caused by a driver who doesn’t have car insurance.

Car insurance companies are required to offer this coverage as part of your policy. You can waive this coverage in writing and still be in compliance with car insurance laws.

Minimum required Uninsured Motorist coverage in MT:

  • $25,000 Bodily Injury (per person)

  • $50,000 Bodily Injury (per accident – multiple people injured)

Again, you can always select higher limits if you want more coverage.

What other coverages does Root offer?




Rental Car coverage


Personal Injury Protection


Medical Payments




(including glass coverage)


Roadside Assistance

(included with every Root policy)

What is the average cost of car insurance in Montana?

The average Montanan pays $1,693[1] per year for their auto policy, that’s the 12th highest average in the country. Bad drivers often drive up prices for good drivers, but Root doesn’t insure bad drivers, so our customers could save up to $900 a year—all while enjoying fair and simple car insurance.

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  1. Annual average rates were compiled in April 2020

Additional Resources

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information.