Teen Drive Insurance
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Teen Driver Insurance in Montana for Parents

Montana requires 25/50/20 liability coverage and is an at-fault state.

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Montana at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

14½

Minimum learner's permit age, 50 supervised driving hours

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Montana

Teen drivers in Montana move through a graduated driver licensing (GDL) program that begins with a learner license at age 14.5, an intermediate license at 15 (with restrictions on nighttime driving and passengers), and a full license at 16.5 after completing at least 50 hours of supervised driving. Montana law mandates that all insurers offer good student discounts to drivers under 25 who maintain a B average or equivalent, making this one of the most accessible teen driver discounts in the state. Parents adding a teen driver must verify their teen meets the supervised driving requirement before the intermediate license is issued.

Liability Insurance

Montana's 25/50/20 minimums cover basic third-party injury and property damage, but they are often insufficient when a teen driver is involved in a serious accident. Parents adding a teen to their policy typically increase liability limits to 100/300/100 or higher, as a single at-fault accident involving multiple injuries can exceed state minimums quickly. The cost difference between minimum and higher liability limits is modest compared to the financial exposure if the teen causes a significant accident.

Collision Coverage

Collision coverage pays to repair the teen's vehicle after an at-fault accident, regardless of who caused it.

Comprehensive Coverage

Comprehensive coverage protects against non-collision damage: theft, vandalism, hail, animal strikes, and weather damage. Montana's rural roads and wildlife — particularly deer — make animal strikes a common claim. Parents whose teen drives in rural areas or parks a vehicle outside overnight typically include comprehensive coverage, especially if the vehicle is worth more than a few thousand dollars. Comprehensive premiums are lower than collision and often worth the modest cost given Montana's wildlife and hail exposure.

Uninsured Motorist Coverage

Montana law requires insurers to offer uninsured and underinsured motorist (UM/UIM) coverage, though drivers can decline it in writing. This coverage protects the teen and their family if the teen is injured by a driver who lacks adequate insurance. Given that a significant portion of Montana drivers carry only state minimums — which may not fully cover a serious injury — UM/UIM is a critical protection for teen drivers, who are statistically more likely to be involved in accidents during their first years on the road.

Full Coverage

Full coverage combines liability, collision, and comprehensive, providing broad protection for both the teen's vehicle and third-party claims. For Montana teen drivers navigating rural roads, wildlife, and inexperience, full coverage offers the most comprehensive financial protection.

What Drivers Pay in Montana

$238–$389/mo

Typical monthly rate in Montana, adding a driver aged 16–19 to a parent's policy

Rate data: Insurify and ValuePenguin, 2025

What Affects Your Rate

  • The vehicle the teen drives has a significant impact on premiums — a 10-year-old sedan with good safety ratings costs far less to insure than a newer SUV or a vehicle with high theft or repair costs.
  • Montana's rural driving environment and wildlife exposure increase comprehensive claims, making vehicle choice and coverage decisions particularly important for teen drivers in less populated areas.
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Rules for new drivers

Night driving

11pm-5am

Passengers

no more than 1 passenger younger than 18 first 6 months, then max 3

Source: IIHS and state DMV records, verified July 2026

Coverage Types

Liability Insurance for Teen Drivers

Liability covers injury and property damage the teen causes to others. Montana's 25/50/20 minimums are a legal floor, not a safe limit.

Collision Coverage for Teen Vehicles

Collision pays to repair the teen's vehicle after an at-fault accident. Whether to include it depends entirely on the vehicle's value and the family's ability to absorb replacement cost.

Comprehensive Coverage for Montana Conditions

Comprehensive covers non-collision damage: theft, hail, animal strikes, vandalism, and weather. It's typically less expensive than collision and protects against risks beyond the teen's control.

Uninsured Motorist Protection

UM/UIM coverage protects the teen and their family if injured by a driver with no insurance or insufficient coverage. Montana requires insurers to offer it, though it can be declined in writing.

Good Student Discount (State-Mandated)

Montana law requires all insurers to offer good student discounts to drivers under 25 who maintain a B average or 3.0 GPA. This is not optional — every carrier must make it available.

Telematics and Usage-Based Programs

Telematics programs use a mobile app or plug-in device to monitor driving behaviors like speed, hard braking, and nighttime driving. Safe driving results in premium discounts.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban