Is Montana a no-fault state?
No. Montana is an at-fault state. Who pays for injuries and damage depends on who was responsible for the crash, and fault can be shared.
Last checked November 9, 2026 · Official sources (4)
How does Montana car insurance work?
“Comparative negligence laws dictate how the responsibility for an accident will be shared between the parties directly involved in an accident where bodily injury or property damage was suffered.”
Montana Commissioner of Securities and Insurance
What is Montana's minimum car insurance?
| Coverage | What Montana requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $20,000 |
| Uninsured motorist | Uninsured motorist coverage is not mandatory, but your agent must include it unless you sign a form turning it down. |
Other at-fault states
Questions
How much insurance does Montana require?
At least $25,000 per person and $50,000 per crash for injuries or death, and $20,000 for damage to other people's property.
What if you were partly at fault in Montana?
If you were partly at fault, your money is cut by your share of the blame, and you get nothing only if your fault is greater than the combined fault of those you are claiming against.
Hurt in a crash in Montana? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Montana Commissioner of Securities and Insurance, checked 2026-11-09. “Comparative negligence laws dictate how the responsibility for an accident will be shared between the parties directly involved in an accident where bodily injury or property damage was suffered.”
- Montana Commissioner of Securities and Insurance, checked 2026-11-09. “What are the minimum liability limits required in the state of Montana? $25,000 per person bodily injury $50,000 per accident bodily injury $20,000 property damage”
- Montana Commissioner of Securities and Insurance, checked 2026-11-09. “Unless you sign a form stating you do not want Uninsured Motorist coverage, your agent is required by law to provide it to you.”
- Montana Code Annotated § 27-1-702, checked 2026-11-09. “if the contributory negligence was not greater than the negligence of the person or the combined negligence of all persons against whom recovery is sought, but any damages allowed must be diminished in the proportion to the percentage of negligence”