Montana

Auto Insurance Minimum Requirements

25/50/20

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$20,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2015-01-01

Uninsured / Underinsured Motorist

Must be offered; can be declined in writing by the policy applicant.

SR-22 Filings

Required for 3 years following severe structural operating convictions or repeated insurance failure tracking.

Alternatives to Insurance

An active cash deposit or corporate surety bond of $70,000 filed with the state treasurer.

Official Source

Montana Department of Justice Motor Vehicle Division

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.