Montana Auto Insurance Quotes

The vast territories of the Treasure State contain numerous mountain ranges and huge wide open spaces that leave drivers feeling free to roam wherever they please. In Montana, you can take advantage of optional alternatives to buying auto insurance by leaving a bond or deposit with a surety company or state treasurer. At $55,000 for the deposit you won’t be saving much by taking this option instead of looking at some low Montana auto insurance quotes!

Minimum Liability

In Montana, minimum liability insurance requirements state that bodily injuries must be covered for at least $25,000 for one person and up to $50,000 total for all injured in an accident. Property damage liability must be $10,000 and Montana does not require uninsured or under-insured motorist or personal injury protection coverage.

Infractions and Penalties

Don’t think you’ll be able to escape from the long arm of the law under the wide open sky. Montana penalties are multiple, and sentencing for uninsured drivers can carry $500 fines or 10 day jail penalties, as well as a mandatory addition of 5 points to your drivers’ license. Multiple offenders pay minimum $350 fines, have their license suspended for 90 days, and may have to spend 10 days in jail again.

Tort State

Montana’s tort system determines which driver is at fault for an accident’s occurrence and assigns responsibility for paying expenses incurred by the other drivers and parties involved. Civil court suits can also be brought against at-fault drivers to recoup damages for pain and suffering, lost work time, or medical treatment required. Keeping your insurance properly updated at all times by shopping around with some cheap online Montana auto insurance quotes is the first step you can take in avoiding major costs out-of-pocket later on.