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Montana Insurance Guide
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Insurance in Montana
Find comprehensive insurance information for Montana (MT) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Montana (MT) |
| Region | West |
| Population | ~1.1M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Montana Department of Insurance |
Health Insurance in Montana
Montana residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Montana
Montana has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Montana
Protect your home with coverage tailored to Montana’s specific risks and requirements.
Life Insurance in Montana
Find life insurance options available to Montana residents to protect your family’s financial future.
How Montana Compares
Understanding how Montana stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Montana | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,167 | $1,935 | -40% (below average) |
| Health Insurance (monthly) | $698 | $477 | +46% (above average) |
| Home Insurance (annual) | $1,223 | $2,377 | -49% (below average) |
| Uninsured Rate | 10.6% | 9.5% | +12% (below average) |
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Montana Commissioner of Securities and Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Montana (opens in new tab) - Federal health insurance marketplace for Montana
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Montana address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Montana Commissioner of Securities and Insurance
- Phone
- 406-444-2040
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Montana?
Montana requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Uninsured motorist coverage is not required but is recommended.
How do I get health insurance in Montana?
Montana uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Montana expanded Medicaid in 2016, providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Montana homeowners insurance cover wildfire damage?
Yes, standard homeowners insurance covers fire damage including wildfires. However, homes in high-risk wildfire areas may face higher premiums or coverage restrictions. Creating defensible space around your home can help with both safety and rates.
Is earthquake insurance available in Montana?
Yes, earthquake insurance is available as a separate policy or endorsement. Montana has seismic activity, particularly in the western part of the state. Standard homeowners insurance does not cover earthquake damage.
What is the average cost of car insurance in Montana?
Montana drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Rural driving patterns and lower population density contribute to relatively lower rates.
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[montana] Insurance Types
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Neighboring State Guides
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