Penalties for driving without insurance in Montana
It’s illegal to drive without car insurance
in most states, and Montana places severe penalties on drivers who are caught driving without car insurance. Drivers face fines, registration suspension, and jail time. Plus, they have to file an SR-22
for three years. Here’s a breakdown of the penalties for driving without insurance in Montana:
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| | | | Until proof of insurance is provided |
Driver’s license suspension | | | | Until proof of insurance is provided |
Reinstatement obligations | $100 fee, plus file an SR-22 for three years | $100 fee, plus file an SR-22 for three years | $100 fee, plus file an SR-22 for three years | Must have the Department of Justice evaluate your case |
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FAQs
Are you required by law to have car insurance if you drive in Montana?
Yes, the state law mandates that every driver in Montana must carry bodily injury liability and property damage liability insurance.
What vehicle insurance is required in Montana?
Montana car insurance laws require drivers to purchase at least $25,000/$50,000 of bodily injury liability per person/per accident and $20,000 of property damage liability.
Is Montana a no-fault state for car accidents?
No, Montana is an “at-fault” or “tort” state, which means that drivers must have liability coverage. This way, you’re covered if you’re injured in an accident caused by another driver.
Does insurance follow the car or the driver in Montana?
Yes, since auto insurance follows the motor vehicle in Montana, the person named in the policy is covered along with any household members and anyone who has permission to drive the car.