What type of insurance is required to operate a vehicle in Montana?

In Montana, liability insurance is required to operate a vehicle. This form of insurance is designed to cover damages or injuries that a driver may cause to another person or their property in the event of an accident for which they are found responsible. Specifically, the state mandates a minimum amount of liability coverage, which is vital for ensuring that drivers can compensate others for damages, thereby protecting the broader community.

Comprehensive insurance, while beneficial, is optional and covers a range of incidents including theft, vandalism, and natural disasters. Collision insurance also provides coverage for damages to your vehicle due to collisions, but it is not mandated by state law. Uninsured motorist insurance is another option that protects you if you are involved in an accident with someone who does not have insurance, but it is not a requirement to legally operate a vehicle in Montana. Hence, liability insurance is the only type mandated by law for all drivers in the state.