States
Montana minimum car insurance: 25/50/20
At least $25,000 per person, $50,000 per accident and $20,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
Montana minimum: 25/50/20 · no-fault or at-fault status not verified
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$85,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $20,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
Montana's section 61-6-103 sets $25,000 for one person, $50,000 for two or more and $20,000 for property, so a policy from a 25/50/25 state clears it, while one from a state with a $10,000 or $15,000 property line does not. Section 61-6-301 tells the owner to provide insurance continuously, or to hold a certificate of self-insurance, and it carries a family member exclusion in its title that is worth reading. Section 61-6-304 sets the penalties. A first conviction brings a fine of $250 to $500, a second brings $350, and a third or later brings $500, up to 10 days in the county jail, or both. From the second conviction on, the court orders the registration receipt and plates surrendered for the vehicle involved when the owner or a family member drove it. On a third or later conviction, the department issues a restricted registration receipt that limits the use of that vehicle. Unusually, the second fine can sit below the top of the first range.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in Montana
4 other states we read use the same numbers. 9 ask for more per person, so check before relying on these limits after a move.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $20,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $20,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for Montana.
What else we read for Montana
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Not verified | None read |
| Other required or offered cover | Not verified | None read |
| Penalties | Fine of $250 to $500 on a first conviction, $350 on a second, and $500, up to 10 days in jail, or both on a third; registration and plates surrendered from the second (MCA 61-6-304). | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.