Montana Auto Insurance

The Magnolia State

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Montana Auto Insurance

The beautiful Montana skies drew more than 1 million residents to establish their life in this state. As a resident, you have access to some of the best fishing spots and gorgeous, open terrain. With so many places to discover, you’ll be driving around a lot. Driving comes with some dangers that we can’t predict. To protect yourself against common causes such as collision, getting insured through AIS should be top priority before you drive.

AIS has Auto Insurance Specialists who are knowledgeable and can help you determine which coverage is best for you and your budget.

Required Montana Auto Insurance

Montana does require drivers to carry insurance with a minimum liability coverage. Having liability coverage helps you pay for damages or injuries that is caused by the insured car. Making sure that you meet the minimum liability coverage for Montana will give you peace of mind, knowing that you’re on the road legally and you’ll have help paying for incidents when the time comes. You really don’t want to be paying for accident damages out of pocket.

Not having the minimum auto insurance in Montana can result in: Fines, jail time, suspension or revocation or your driver’s license, and points on your record. State Minimum Liability Coverage in Montana Your Montana Auto Insurance must have liability coverage with these minimum amounts:

  • BI or Bodily Injury: $25,000 per person; $50,000 for injuries to multiple people in an accident
  • PD or Property Damage: $10,000 per accident

Optional Coverage in Montana to Consider

Having the minimum liability coverage allows you to drive on the road without getting in trouble for not being insured, however it likely isn’t enough coverage. These are optional coverages that are available to you to add onto your Montana Auto Insurance Policy.

  • Collision - This coverage will help you pay for the damages that happens to your own car in a collision.
  • Comprehensive - This will help pay for the damages to your car from non-accident related causes, such as a fire.
  • Medical Payments - Medical payments will help pay for costs associated with your medical fees after an accident
  • Uninsured/Underinsured Motorist - If you have an accident with another motorist that doesn’t have auto insurance or not enough, this coverage pays for costs associated with the accident.

Most Stolen Car Models in Montana

According to the www.nicb.org, these are the top car models that are stolen in Montana. If your car is on this list, you may find that your car insurance rate is higher.

  1. Chevrolet Pickup (Full Size)
  2. Ford Pickup (Full Size)
  3. Honda Accord
  4. Dodge Pickup (Full Size)
  5. GMC Pickup (Full Size)
  6. Chevrolet Pickup (Small Size)
  7. Chevrolet Impala
  8. Toyota Camry
  9. Honda Civic
  10. Subaru Legacy

Montana Auto Insurance Discounts

Montana may be an affordable place to live, but auto insurance can get costly if you don’t have a clean driving record. Here are several Auto Insurance discounts that you may qualify for in Montana. Talk to your AIS insurance agent to see if you might be able to apply any of these to your current or new policy.

  • Good driver
  • Good student
  • Multi-car
  • Homeowner’s
  • Anti-theft
  • Safety-device

To learn more about specific discounts, visit our Discounts page.

People choose to live in Montana do so because of the beautiful Montana skies and views of nature right from their front porch. There are many places to go on an adventure all over the state; they all tend to involve some distance of driving. Staying financially and legally protected with the required auto insurance will keep your driving moments more enjoyable. For those that don’t want to spend hours searching for low rates and best coverage amongst hundreds of carriers, AIS can help. We do the searching for you, finding the best rates and coverage from our 30+ high-quality partners. The knowledgeable professionals at AIS Auto Insurance Specialists can be an excellent asset to Montana drivers. For information and a free quote on a Montana auto insurance policy, call us at AIS today!

Start a Montana Insurance Quote Today: (888) 772-4247

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