Montana offers generally affordable car insurance rates, influenced by its rural landscape and lower traffic density. The state uses a fault-based liability system, with mandatory minimum coverage. Seasonal weather hazards and wildlife collisions are notable risk factors.
Montana Auto Insurance Facts
Drivers
- ~600,000–630,000 licensed drivers as of 2023.
- ~89% household vehicle ownership.
- Predominantly pickups and SUVs due to rural terrain.
- Uninsured motorist rate near 12%.
- Limited public transportation options.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~8,200
| ~2,300
| 105
|
| 2019
| ~8,400
| ~2,400
| 110
|
| 2020
| ~7,800
| ~2,100
| 100
|
| 2021
| ~8,100
| ~2,200
| 108
|
| 2022
| ~8,300
| ~2,250
| 112
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
