Driving a car without insurance is a serious felony in Montana, which makes liability insurance obligatory for its drivers. A driver is expected to have on him his or her proof of insurance while driving at all times. This statue is stated in Montana Code Annotated 61-6-301, and breaking it is a criminal offence.

Every licensed driver in Montana is expected to have:

$25,000―Bodily injury or death of one person in one car accident.
$50,000―Bodily injury or death of two people in one car accident.
$10,000―Injury to or damage of property of others in one car accident.

Drivers without mandatory insurance are penalized in Montana with serious long-term consequences. First-time offenders are liable to pay between $250 – 500 or spend 10 days in a county jail. If this isn’t harsh enough, a felons driving license is tainted with five points – 25 short of a license revocation. The penalty for a two-time offender is even harsher.

All these laws are put in place for the safety and well being of Montana’s citizens. Every driver owes it to himself and other members of the community to get themselves insured. Optional auto insurance coverage, including collision and comprehensive car insurance can also be purchased. The former pays off damages incurred by your car in an accident and the latter pays to repair the car up to its ‘blue book’ value. If the damaged incurred by the vehicle is deemed higher than the blue book value, you are reimbursed for the entire cost of the car and it is declared damaged. Although these two types of insurance are optional, they are suggested, providing maximum coverage incase you are in a car accident with an uninsured driver.

PIP or Personal Injury Protection coverage should also be considered. It covers medical bills, wages lost and car part replacement services in the event of an accident.

Finding cheap auto insurance in Montana isn’t difficult. All it requires is some effort on your part and some research. You can look into the insurance policies, rates, customer service plans and other benefits provided by some of the leading insurance companies and decide on one accordingly. The insurance company you finally settle on should be one that not only provides you a complete insurance package and offers it at affordable rates. Some of the best insurance companies in Montana include:

SF Insurance
GEICO
Liberty Mutual
Progressive