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Montana Auto Insurance 
In Montana you're financially responsible for the damage and injury you cause in an automobile accident. Liability protection insures you for these potential expenses, and is compulsory in Montana.
Montana minimum liability limits; $25,000 per person for injuries you cause to the other parties, $50,000 total per accident, and $10,000 for damage you cause to the other party's property. You can also post a surety bond of $35000, but based upon our experience (I actually called around), there aren't many companies offering these. Non mandatory options (plan add ons) include medical payments, blanket umbrella, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
If you are convicted of DUI in Montana (Assuming your insurance company doesn't drop you immediately), your insurance costs will increase at least 30%. Buying insurance through a "high-risk" agency will cost substantially more.
If you are high risk (multiple tickets and/or accidents), you may have to get car insurance through the The Montana Automobile Insurance Plan. It was created to provide automobile insurance coverage to eligible risks who seek coverage and are unable to obtain such coverage through the voluntary market.
Below (again) are the minimal limits.
| State minimums |
Bodily injury liability / person |
Bodily injury liability / accident |
Property damage / accident |
Medical coverage (PIP) |
Uninsured motorist |
| Montana |
$25,000 |
$50,000 |
$10,000 |
$0 |
$0 |
Proof of insurance is required to be kept at all times in vehicle, and especially at the time of an accident. Your insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal. Penalties for driving without insurance in Montana are a $250-$500 fine or not more than 10 days in jail.
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