Montana Auto Insurance
Montana
Learn more about Montana auto insurance and find out what level of coverage you need. See competitive auto insurance quotes from a variety of MT auto insurance companies.
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Liability insurance is mandatory under Montana state law. The minimum requirements are $25,000 for bodily injury or death of one person in an accident, $50,000 for the bodily injury or death of two individuals in one accident, and $10,000 for the injury to others, or destruction of others' property in one accident. Operating a motor vehicle without the minimum required insurance coverage is illegal, with the exception of motorcycles. Montana Code dictates that drivers must carry evidence of insurance at all times while driving and be prepared to present this proof of insurance to any law enforcement official who requests it. Driving an uninsured vehicle violates Montana auto insurance regulations and is considered a misdemeanor. Considering the consequences of violating these laws, driving without at least the minimum amount of car insurance coverage is not a reasonable option. Find free auto insurance quotes online today. Compare rates from the top Montana insurance companies.
According to the Montana Department of Transportation, the state has unique traffic safety problems. Even among the often dangerous traffic conditions of the other Rocky Mountain States, Montana is an extreme exception. Fatal crashes are more common in high speed rural areas, which puts the state at a higher risk, as compared to urban areas. National averages show that the urban fatality rate is less than half the rural fatality rate, at about a 1.0 to 2.3 ratio. Montana has the highest fatality rate in the United States, which can be attributed to the fact that it possesses the highest percentage of rural vehicle miles traveled in the country. According to the Montana Department of Transportation data, fatalities increased for three consecutive years, with 47 more deaths in Montana during the year of 2007 than in 2004. Montana experienced 21,829 car accidents in 2007, resulting in 276 fatalities, and 9,067 injuries. In 2007, 15,584 of Montana's auto accidents incurred property damage. The DOT statistics show an increase in fatalities over the last 11 years, which would show a correlation with the termination of the national speed limit.
The repercussions that come from operating a vehicle without insurance are not worth the risk. The state takes road safety very seriously and does not take violations lightly. Driving uninsured is considered a misdemeanor and a first offense is punished with fines of up to $500 and no less than $250. Additionally, you can be put in county jail for up to ten days. The very first time you are caught driving without proper insurance, you will get five points on your license. If you should make the mistake of violating Montana auto insurance laws a second time, you will be fined $350, at a minimum, and be put in jail for up to ten days, in addition to having your license automatically suspended for 90 days from the date of the violation. Consider the safety, legal, and financial issues that are relevant to all Montana drivers. Find Montana auto insurance today by comparing the best quotes online.