Liability insurance is the minimum legal requirement in Montana — it covers damage you cause to other people and their property. The average cost is $38/month with 25/50/20 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Montana requires minimum limits of 25/50/20, but most insurance experts recommend at least 50/100/50 — especially with 8% of Montana drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (25/50/20) | $38/mo | $460 | Other people's injuries & property |
| Full Coverage | $149/mo | $1,790 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1332/year in Montana — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $594 | $99/mo |
| GEICO | $678 | $113/mo |
| Progressive | $762 | $127/mo |
| State Farm | $834 | $139/mo |
| Farmers | $960 | $160/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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