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Liability Insurance — Montana

Liability insurance pays for damage and injuries you cause to others in an accident — it covers their medical bills, lost wages, and vehicle repairs, but nothing on your own car or body.

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What Is Liability Insurance Insurance?

Liability insurance is the foundation of every Montana auto policy. It splits into two parts: bodily injury liability, which pays medical expenses and lost income for people you injure, and property damage liability, which pays to repair or replace vehicles and property you damage. When you cause an accident, your liability coverage pays the other party's bills up to your policy limits. Once your limits are exhausted, you pay the rest out of pocket.

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Who Needs Liability Insurance Insurance?

Liability insurance is legally required for every Montana driver, but state minimums are rarely enough. If you own a home, have retirement savings, or earn a steady income, carry at least 100/300/100 limits.

Start with Montana's 25/50/20 minimum, then calculate your financial exposure. Add up your home equity, savings, and annual income. If you cause an accident that injures multiple people, your liability limit is the only barrier between their medical bills and your personal assets.

How Much Does Liability Insurance Insurance Cost?

Your at-fault accident history in the past three years — one at-fault crash can raise liability premiums 30 to 50 percent.
Your home ZIP code and county — Yellowstone County drivers pay more than drivers in rural counties due to higher accident frequency.
Your age and driving experience — drivers under 25 and over 70 pay higher liability rates due to statistically higher claim frequency.
Your credit-based insurance score in Montana — insurers use credit history to price liability coverage, and poor credit can double your premium.

Related Coverage Types

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Uninsured and Underinsured Motorist Coverage→

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Full Coverage Car Insurance→

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Meet Montana's Requirements Without Overpaying

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