Montana

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State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$25,000 limit per person / $50,000 limit per accident

Property Damage Liability

$10,000 limit

Collision

Not required, but recommended

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

Not required, but recommended

Underinsured Motorist

Not required, but recommended

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

Montana AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

There is no ban in Montana.

All Cell Phone Use Ban for Novice Drivers:

There is no ban in Montana.

Texting Ban:

There is no ban in Montana.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There's an increased penalty for drivers with a BAC of 0.16 or above.

1st offense Suspension:

None in Montana.

Ignition Interlocks:

These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Montana made the installation of ignition interlocks mandatory for repeat offenders.

Repeat Offenders:

None in Montana.

Open Container Law:

No driver or passenger can have any bottle, can, jar or other receptacle containing any alcoholic beverage that has been opened or unsealed and is immediately capabale of being consumed. Open containers can be stored in a locked glove compartment.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 14 years and six months of age, individuals can begin driving with supervision for a period of time lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.

Intermediate Stage:

Min. Age: 15
Night Driving Restriction: 11pm-5am
Passenger Restriction: No more than 1 passenger under 18 (first 6 months), no more than 3 passengers under 18 (for the next 6 months)

(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 15 are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 11pm and 5am and cannot drive with with more than one passenger under the age of 18 for the first six months and no more than three passengers under 18 for the following year and six months.

Full Privilege Age:

Age: 16

(Full driver's license): At the age of 16, Montana drivers can now get a standard driver's license without any restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
75 MPH
SPEED LIMIT
65 MPH

Urban Interstates:

SPEED LIMIT
65 MPH
SPEED LIMIT
65 MPH

Other Limited Access Roads:

SPEED LIMIT
65 MPH
SPEED LIMIT
65 MPH

Page Source: ghsa.org

Montana
Department of Insurance

Website: www.csi.mt.gov/
Address:  840 Helena Ave., Helena, Montana 59601
Phone:  800-332-6148 or 406-444-2040

Montana
DMV Information

Website:  https://dojmt.gov/driving/default.asp
Phone: 406-444-3933

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