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Montana Car Insurance

Drivers in Montana, we come “bear-ing” good news, you can get back on the road in no time with Good2Go Insurance, Inc.’s affordable, quality car insurance.

Those who drive in Montana and fail to provide proper car insurance can receive fines, and even jail time.

Montana Penalties for Driving Without Car Insurance

In the state of Montana, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Montana include:

  • Fines of up to $500
  • Imprisonment of up to 10 days
  • Suspension of license plates and vehicle registration


What is Considered Full Coverage Auto Insurance in Montana?

According to the Montana Motor Vehicle Division, Montana law requires that a motor vehicle operated on public roads be insured by a liability insurance policy that meets the state’s minimum coverage limits:

  • $25,000 because of bodily injury to or death of one person in any one accident and subject to the limit for one person
  • $50,000 because of bodily injury to or death of two or more persons in any one accident
  • $20,000 because of injury to or destruction of property of others in any one accident


Under Montana law, motorists stopped for a traffic violation or involvement in a motor vehicle collision are required to show proof of insurance to law enforcement, in addition to displaying their driver license and vehicle registration.

Montana DUI/DWI Laws and Penalties

Montana DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Montana DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. The state of Montana employs implied consent laws, with refusals to submit to testing receiving an automatic license suspension of six (6) months.

Penalties for a first offense DUI in Montana are:

  • Licensure suspension of 6 months
  • Mandatory minimum jail time of one (1) day to six (6) months; and
  • Fines of at least $600 to $1,000.


Penalties for a second offense DUI in Montana are:

  • Licensure suspension of up to one (1) year
  • Mandatory minimum jail time of seven (7) days to one (1) year
  • Installation of an interlock device; and
  • Fines of at least $1,200 to $2,000.


Montana Cell Phone Driving Laws and Texting While Driving Laws

The state of Montana currently does not have a full ban on cell phone use or texting for drivers. However, several cities have implemented bans, including Billings, Helena and Missoula.

Montana SR-22 Insurance Documents

Montana SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the MVD, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Montana for drivers that are required to keep and show valid auto liability insurance.

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