Montana High Risk Auto Insurance
High risk auto insurance is for individuals who have flawed driving records. Montana requires liability car insurance to protect the person or vehicle your car or driving affects. The average auto insurance premium runs about $675 a year in Montana.
According to Montana state code 61-6-103, the minimum auto insurance required in Montana is:
- $25,000 for bodily injury to or death of one person in an accident.
- $50,000 for bodily injury to or death of two or more persons in any one accident.
- $10,000 for property damages.
These requirements are typically noted as 25/50/10, and these constitute the minimum requirements for Montana auto insurance.
Montana auto insurance regulations state that Montana functions as a tort state. So if you have an accident, and you are judged "at fault," you must pay for the damages to the injured person or property. You should get high risk auto insurance if are a high risk driver.
Car insurance is required in Montana for all drivers. If you choose to not carry auto insurance, the government may penalize you with up to ten days in jail along with $500 in fines. Points will be added to your license and the failure to carry auto insurance is considered a state misdemeanor.
Even drivers with less than perfect records have many options when searching for high risk car insurance. Allstate Insurance, State Farm, Mercury General Corporation, and Travelers Insurance are available, among many others.