Insurance requirement guides for Montana.
$25,000 / $50,000 / $20,000
Bodily injury per person / per accident / property damage, written 25/50/20
Set by MCA § 61-6-103. Read off the statute on , and the figure every Montana guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
Montana has no state boat insurance mandate, but marina slip agreements at Flathead Lake and Fort Peck Reservoir commonly require liability cover. Flathead Lake's southern half lies within the Flathead Indian Reservation — tribal permits required for fishing and anchoring.
Montana requires 25/50/10 motorcycle liability — the $10,000 property damage minimum is one of the lowest in the US. Montana has no helmet law for any rider, vast distances from hospitals, and significant elk/deer hazards.
Montana requires 25/50/20 liability for all drivers and has one of the highest uninsured motorist rates in the country at 13-16%. Learn state minimums, SR-22 rules, and why comprehensive coverage is essential for Montana's wildlife and extreme weather.
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Every guide on this page covers a Montana requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each Montana guide on this site is checked against that same figure. The regulators linked above are where Montana publishes the rules, so they are the place to confirm anything before you rely on it.
