Montana Auto Insurance

Three reasons Montana drivers re-shop their auto policy

1
Towing a hundred miles is a real line item
A breakdown on US-2 between Havre and Glasgow, or on I-15 south of Dillon, is not a ten-mile tow. Roadside assistance limits are often written in dollars rather than miles, and a limit set for a city is not a limit set for Montana. Ask what the towing limit actually is and what it covers beyond the hook.
2
Deer and elk strikes are frequent, and they are comprehensive
Montana sits near the top of the national ranking for animal-vehicle collisions. Those claims fall under comprehensive, not collision, and the two carry separate deductibles on nearly every policy. A liability-only policy pays for neither, which is the calculation to make before dropping comprehensive on an older vehicle.
3
Uninsured driving rates here are among the highest in the country
Montana consistently reports one of the higher uninsured-motorist rates in the United States. Uninsured and underinsured motorist coverage is what responds when the driver who hit you has nothing behind them, and in this state the odds of that are not academic. It is usually inexpensive relative to what it does.

Hail, the Billings problem

The Yellowstone valley and the eastern plains take some of the heaviest hail in the northern Rockies, and hail on a parked car is a comprehensive claim. Carriers watch repeat hail losses on the same vehicle, and some apply separate wind-and-hail terms. If you have no garage, say so — it changes both the rate and the advice.

Winter roads, gravel and windshields

Black ice on Homestake Pass, drifting on the Hi-Line and gravel county roads produce two distinct claims: the single-vehicle slide, which is collision, and the cracked windshield, which is comprehensive and sometimes a separate glass endorsement. Chains, winter tires and a realistic annual mileage figure are all worth mentioning on the call.

Trailers, stock trailers and towing something expensive

A utility trailer, a horse trailer or a camper is not automatically insured by the policy on the truck pulling it. Liability generally follows the towing vehicle; physical damage to the trailer itself usually needs to be scheduled. If you tow stock, say what the trailer is worth and whether it carries animals, because both answers change the coverage.

Have these ready when you call

Five minutes on the phone goes faster with the paperwork in front of you.

Year, make, model and VIN for every vehicle
Driver license numbers for everyone who will drive
The exact date your current policy ends, so the new one starts without a gap
Annual mileage — the real figure, not a guess, since Montana miles add up
Whether vehicles are parked in a garage, a shed or outside
Any ticket or at-fault accident in the last three to five years
Every trailer or camper you tow, and roughly what each is worth

📞 Call 866-347-8683 Request a quote online

Frequently asked questions

What is the minimum car insurance in Montana?

Liability of at least $25,000 per injured person, $50,000 per accident and $20,000 for property damage — written 25/50/20. That is the legal floor for driving, not a recommendation.

Is hitting a deer collision or comprehensive?

Animal strikes are generally handled under comprehensive, which usually carries a different deductible from collision. In Montana this is common enough to weigh carefully before dropping comprehensive.

Does my auto policy cover my horse trailer?

Liability typically extends to a trailer being towed, but physical damage to the trailer itself usually has to be scheduled. Tell the agent what you tow and what it is worth.

Is uninsured motorist coverage worth it in Montana?

Montana reports one of the higher uninsured-driver rates in the country, and this is the coverage that answers when the at-fault driver has nothing. It is generally inexpensive relative to the exposure it covers.

Other Montana coverage

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Three reasons Montana drivers re-shop their auto policy

Towing a hundred miles is a real line item

Deer and elk strikes are frequent, and they are comprehensive

Uninsured driving rates here are among the highest in the country