Car Insurance
MCA 61-6-304 — $250 to $500 the first time, and the plates surrendered on a second
An owner of a vehicle registered and driven in Montana continuously carries liability insurance, and no one may drive on the ways of the state open to the public without a valid policy in effect, unless self-insured or exempt.
Who handles this in Montana: Montana Commissioner of Securities and Insurance, Insurance Consumer Services and State Bar of Montana, Licensed Lawyer Montana; and legal aid programs and the state offices, listed in the Montana directory.
The owner or operator carries an insurance card or an electronic device that can display the insurer's electronic document, and shows it on an officer's demand.
| Conviction | Penalty |
|---|---|
| ConvictionFirst | PenaltyA fine of $250 to $500 |
| ConvictionSecond | PenaltyA fine of $350, and the registration and plates surrendered |
| ConvictionThird or later | PenaltyA fine of $500, up to 10 days in jail, or both |
Sources for this section (3)
- MCA 61-6-301 — Required motor vehicle insurance -- family member exclusion
- MCA 61-6-302 — Proof of compliance -- definition
- MCA 61-6-304 — Penalties
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Montana attorney.