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Coverage and service as big as Montana

Montana offers more than 70,000 miles of roadways, including those that take you to its 42 state parks or seven state forests. If you live in Big Sky Country, USAA offers a combination of coverage and service as big as Montana. Whether you're driving in Great Falls, navigating a rural route or discovering Yellowstone National Park, USAA can be there for you.

The average cost of car insurance in Montana

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$131See noteper month

The average monthly cost for all USAA auto policies issued in Montana in 2023.See note1

Montana car insurance coverage requirements

As of Jan. 1, 2024, Montana law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $20,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    Montana drivers are required to have uninsured motorist coverage. However, this coverage can be rejected upon request. Drivers in Montana can also select to have underinsured motorist coverage as well. These coverages help cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Montana

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)