Montana Auto Insurance regulations:

Montana is a tort state, which means that you are financially responsible for the damage and injury you cause in a car accident. To drive a vehicle in Montana, you're required to show proof of financial responsibility. The state's liability minimums requirements are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property.

Overall Rates are determined by the driving habits of the drivers within a state. Montana determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.