Find out how much you can save on Montana car insurance.

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Why choose Root for your Montana insurance policy?

Montanans, did you know that your state ranks second in the nation for auto collisions with wildlife? That’s just one of many reasons it’s important for citizens of the Treasure State to have reliable, affordable car insurance. Thankfully, Root is here to help. With our easy-to-use app, good drivers can save up 52%. Not a bad way to hold on to more of your personal treasure.

What makes Root different from traditional insurers in Montana?

We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.

Here’s how it works:

  1. Download the free Root app and breeze through a simple signup.
  2. Drive normally for 2-3 weeks. During that test drive, your smartphone gathers driving data and sends it to us to crunch the numbers (it knows if you’re a driver or passenger—don’t worry). We run that data through our machine learning algorithm to determine your customized rate.
  3. Get your free quote and customize your policy, all within the app. And because we don’t insure high-risk drivers, good drivers save up to 52%.

Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Treasure State.

It’s a good time to be a good driver in Montana.

Since Montana is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Great Falls to Butte, Billings to Missoula, and all points between (we’re looking at you, Bozeman).

The worst 30% of drivers
cause nearly 45% of all accident costs1
Bad drivers cause nearly 45% of all accident costs

What are the minimum car insurance requirements in Montana?

To legally operate a vehicle in Montana, you must carry liability coverage and uninsured motorist coverage (which can be declined in writing). If you’re found driving without the required insurance, you can face fines, suspension of your registration, and possible jail time.

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 Medical Payments and Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major 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 opt for higher limits if you want more coverage.

Uninsured Motorist Coverage (UM)

Uninsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance. Insurance companies in Montana are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.

Minimum required uninsured motorist coverage:

  • $25,000 Bodily Injury (per person)
  • $50,000 Bodily Injury (per accident – multiple people injured)

You can always opt for higher limits if you want more coverage.

When do you need to show proof of insurance?

You must show proof of insurance if you’re stopped by a police officer or involved in a car accident. Acceptable forms include:

  • An insurance ID card issued by your insurance carrier
  • Electronic version of your ID card, like the one found in the Root app on your phone

Failure to present proof of insurance to a police officer at a traffic stop could result in a citation or warning. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.

What other coverages does Root offer?

  • Collision
  • Comprehensive (including glass coverage)
  • Medical Payments
  • Personal Injury Protection
  • Underinsured Motorist Bodily Injury (UIM)
  • Uninsured Motorist Property Damage (UMPD)
  • Rental
  • Roadside Assistance (included in every Root policy)

Learn all about Root’s coverage options here:

Our Coverages

What are the fines and penalties if you’re caught without insurance?

If you’re found driving without insurance in Montana, you’ll face the following:

  • First offense: fines of $250-$500, up to 10 days in jail, or both.
  • Second offense: $350 fine, up to 10 days in jail, or both, plus you must surrender your car registration and license plates until coverage is obtained.
  • Third offense: $500 fine, up to six months in jail, or both.

What is the average cost of car insurance in Montana?

The average driver in Montana pays $1,2172 per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Because Root doesn’t insure high-risk drivers, Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.

What our customers tell us

Root car insurance app for iPhone and Android

Choosing your car insurance coverage just got easier.

Our app makes it quick and easy to get the coverage you need. Try it and see how much you can save.

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