Non-owner car insurance in Montana

In Montana, which companies offer non-owner insurance?

We priced 6 companies, shown here from cheapest up. At $121, USAA serves military families only.

Under Montana law, an SR-22 is called a certificate of insurance. When the insured owns no car, that certificate may leave the vehicle list off. Every policy includes uninsured motorist protection unless you sign it away.

What a Montana policy for a borrowed car must include

Montana Code 61-6-103 sets your liability limit at no less than $25,000 for the injury or death of one person. When two or more people are involved, the limit rises to $50,000, and damage to property that belongs to others calls for $20,000. That same statute also defines an operator’s policy, which covers a listed person while driving vehicles they do not own.

When the at-fault driver carries no policy, your own uninsured motorist coverage pays your injury expenses. As the Commissioner of Securities and Insurance auto page explains, your agent must include it on the policy. To get out of it, your only choice is a signed written rejection form.

Montana: the certificate of insurance and what happens at three years

The filing is managed by Montana’s Motor Vehicle Division, which sits within the Department of Justice. Under 61-6-131, MCA, a revoked license holds that status until a certificate is received. Negligent homicide, fleeing an officer, and failing to stop after an injury crash are among the serious convictions that cause a revocation.

A filing does not go on without end. Under Section 61-6-142, the department ends the requirement after three years have passed since proof was first ordered, as long as no new disqualifying conviction occurs during that time. Under the reinstatement fee statute, getting your license back carries a $100 charge, or $200 after one of those revocations.

Filing is still possible for a driver with no car. For someone insured who owns no motor vehicle, Section 61-6-133 leaves the vehicle description out.

What happens if you are caught without insurance in Montana, and when a policy is canceled

The MVD insurance and verification page states a first no-insurance ticket brings a fine of $250 to $500, or up to 10 days in jail. With a second violation, the state adds 5 points and revokes your license for 90 days. The minimum penalty then climbs to $350 or 10 days in jail. Your license is taken away at thirty points.

After your insurer certifies the policy, 61-6-135, MCA stops the company from canceling on you until 10 days after it submits a cancellation notice to the department. You can use that time to get other coverage. You can visit the MVD suspensions page to review your status, pay fees, and submit documents online.

Montana rates broken down by age

Drivers in their teens pay roughly $966 a year. At age 40, a minimum-coverage policy for a car you own averages $521 a year, or about $109 above the $412 cost of a non-owner policy.