Montana Car and Motorcycle Insurance Law

Required Minimum Bodily Injury Coverage

• $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident

Required Minimum Property Damage Coverage

• $10,000 for injury to or destruction of property of others in any one accident

Optional Insurance Coverage

• Uninsured Motorist (UM) Coverage. If elected, UM must be at least the amount of the bodily injury coverage required. Montana does not have a statute that addresses underinsured motorist (UIM) coverage.

Special Rules for Motorcycle Owners.

• In Montana, motorcycles owners/operators are exempt from the requirements of the motor vehicle insurance statute.