Fair car insurance in Montana
Safe drivers in Montana can get the cheap car 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.
Download the app
Visit the App Store or Google Play. Sign up in less than a minute.
Drive around
We use your smartphone to measure your driving behavior. Better driving = more savings.
Get your quote
You can customize and purchase your policy, all in the Root app.
State requirements for car insurance 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?
Collision
Rental Car coverage
Personal Injury Protection
Medical Payments
(MedPay)
Comprehensive
(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.
Start saving on Montana auto insurance
Get a car insurance quote based primarily on how you drive. You could save hundreds.