Montana Car Insurance

Auto Insurance in Montana

Montana is often called the "Land of the Shining Mountains," and for good reason—it is home to about 77 named mountain ranges. Montana drivers need to keep certain special rules in mind when driving on mountain roads. For instance, did you know that when two vehicles meet on a steep road that isn't wide enough for both to pass safely, a vehicle going downhill should yield right-of-way to a vehicle going uphill? There are a lot of considerations, including special guidelines for MT car insurance. Keep the following in mind as you get a Montana auto insurance quote online.

Montana Auto Insurance Requirements

All car owners in Montana are required by law to carry the following minimum levels of insurance:

  • Bodily injury: $25,000 per person and $50,000 per accident
  • Property damage: $20,000 per accident
  • Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident*

*Uninsured/underinsured motorists coverage can be rejected.

Montana Teen Driving—Graduated Licensing

Learner's Permits

In Montana, there are two classes of learner's permits. Teens as young as 14½ may be eligible to receive a Traffic Education Learner's License (TELL) if they are currently enrolled in a state-approved traffic education program. Holders of a TELL permit are allowed to drive only when supervised by a licensed parent or guardian.

After having completed a state-approved traffic education program and beginning at age 15, teens may be eligible for a Learner's License, which allows them to drive while accompanied by a parent or guardian or with a licensed driver age 18 years or older authorized by the parent or guardian. The permit is valid for up to one year and must be held for at least six months before the driver is eligible for a First-Year Restricted License. Learner's License holders must acquire at least 50 hours of supervised driving, 10 of which must be nighttime driving, before being eligible to apply for a First-Year Restricted License.

First-Year Restricted License

Upon receiving a First-Year Restricted License, teens are allowed to drive only between the hours of 5:00 AM and 11:00 PM, with some exceptions, including: emergencies, farm-related activities, travel to and from school, church or work, and for parent-authorized purposes. For the first six-month period, drivers are allowed only one unrelated passenger under age 18 unless they are accompanied by a licensed driver age 18 or older. For the second six-month period, drivers are allowed up to three unrelated passengers under age 18, unless accompanied by a licensed driver age 18 or older.

These restrictions remain in effect until the date indicated on the back of the license, or until the driver turns 18, whichever comes first. At that time, the individual gains full driving privileges.

Montana Registration Information

New residents must apply for a Montana vehicle title, register their vehicles and obtain a Montana driver's license within 60 days of establishing residency. In order to obtain a Montana driver's license you must provide:

  • Proof of identity
  • Proof of Montana residency
  • Proof of authorized presence

Note: Completion of a written driving and vision tests might be required.

The Montana Department of Justice provides additional information on obtaining a Montana driver license and on registering a vehicle.