Frequently Asked Questions

Can I keep the car insurance I have from my previous state of residence?
If you are a driver wondering whether you can keep your old auto insurance upon moving to a new state, you need to know that it all depends on your auto insurance company. The insurance company can be either locally or nationally recognized. Drivers with national auto insurance coverage can easily transfer the insurance from one state to another. Drivers with local auto insurance will be required to find a new auto insurance company just as they arrive in Montana.

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Do I need to cancel my insurance if I am moving to another state?
If you are a driver in Montana moving to another state, your auto insurance may or may not be transferred to a new state. This depends on the type of auto insurance company you have chosen. On the one hand, if your auto insurance company has branches out-of-state, you will have to notify your auto insurance company of your move and provide a new address.

In case your auto insurance company extends its coverage to another state, you will not have to switch companies. On the other hand, if the auto insurance company does not cover the new state, you will have to begin a process of searching for a new company in the state where you plan to move.

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How can I avoid a license suspension if I choose not to insure my vehicle?
The Montana state law requires you to have minimum liability auto insurance if you own and operate a motor vehicle. If you do not have your vehicle insured, you will face a driverslicense and car registration suspension if pulled over by a police officer during an accident or traffic stop. You will have to pay a restoration fee of $500 and to submit an SR22 insurance application at the Montana DMV in order to have your license and registration reinstated.

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If I have been in an accident, what property damage do I have to report?
Montana state law requires all drivers of motor vehicles who have been in an accident, to report all damages to the Montana DMV. There are two types of property damage in Montana: damages to vehicles and damages to a personal property (house, fence, lamppost). In the misfortune of an accident, you will need to report all damages to your insurance company as well, so that you could easily claim a financial compensation.

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If I live outside of the state for half the year, am I still required to have car insurance?
Montana has a state law, which requires all drivers who own and operate a motor vehicle in the state to provide a minimum auto insurance coverage:

  • Bodily Injury Liability Insurance of one person
  • Bodily Injury Liability Insurance of two people
  • Property Damage Liability Insurance

If you are an out-of-state resident for half the year but you still own and operate a motor vehicle in Montana, the state law requires you to obtain at least minimum liability auto insurance.

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What is the minimum liability insurance coverage?
Montana residents who own and operate vehicles need to know that driving without a minimum of liability car insurance is illegal. The minimum liability car insurance in Montana includes:

  • Bodily Injury Liability Insurance of one person: $25,000
  • Bodily Injury Liability Insurance of two people: $50,000
  • Property Damage Liability Insurance: $10,000

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What proof of insurance can I provide when registering my car?
The state law in Montana requires you to show proof of car insurance when you register your car and also when you are pulled over by a police officer or involved in a car accident. Your Montana car insurance company or agent will help you in obtaining a proof of insurance.

The most used proof of car insurance is an insurance ID card, but you can also provide a copy of your insurance policy. Drivers found without any proof of insurance might get fines and license suspension.

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What type of car insurance am I required to have?
In Montana, drivers who operate a motor vehicle are required to have a minimum of liability car insurance, which includes the following:

  • Bodily Injury Liability Insurance of one person
  • Bodily Injury Liability Insurance of two people
  • Property Damage Liability Insurance

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What will happen if I fail to get or keep car insurance?
Montana drivers of any motor vehicle who decide to operate their vehicle without getting car insurance run the risk of facing penalties of minimum liability coverage laws in the state. Drivers found without any proof of car insurance might face the following penalties:

  • Fines
  • Jail time
  • Demerit points on the driving record
  • Suspension of driver’s license and car registration

In order to avoid these penalties, you need to obtain a form of proof of insurance from your auto insurance company, which normally is issued as a car insurance ID card.

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Which types of vehicles need to be insured?
In Montana, all residents are required to apply for vehicle insurance on all motor vehicles registered in the state. This means that in order to be able to drive your motor vehicle, you must first get car insurance for it. Always remember that in Montana it is illegal to operate a motor vehicle that is not covered by a minimum of liability car insurance, which includes:

  • Bodily Injury Liability Insurance of one person
  • Bodily Injury Liability Insurance of two people
  • Property Damage Liability Insurance

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