Auto Insurance

Coverage for your daily driver, your weekend truck & everything in between

We help drivers across Missoula and Western Montana get the coverage they need—without overpaying or getting lost in the fine print. Whether you’re looking for the basics, bundling with your home, or covering a second vehicle, we’ll walk you through it.

What Auto Insurance Covers

The basics, explained

Here’s what a typical auto insurance policy includes:

A line drawing of a paper with a dollar sign and arrows pointing down.

Liability Coverage

Pays for damage or injuries you cause to others in an at-fault accident. Required by Montana law.

A black and white icon of a car accident.

Collision Coverage

Helps repair or replace your vehicle if you hit another car or object—whether it’s your fault or not.

A black and white icon of a shield with arrows pointing in different directions.

Comprehensive Coverage

Covers non-collision events like theft, fire, hail, vandalism, or hitting a deer on a back roa

A black and white drawing of a car on a white background.

Uninsured  & Underinsured  Motorist

Helps pay for your expenses if you’re hit by a driver who doesn’t have enough coverage—or any at all.

A black and white icon of a medical report with a cross on it.

Medical Payments Coverage

Pays for medical bills for you and your passengers, no matter who was at fault.

Auto Insurance FAQ

You ask, we answer

  • What’s the minimum auto insurance required in Montana?

    Montana drivers must carry liability insurance with at least $25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage. These are minimums—many people choose higher limits to avoid paying out of pocket in a serious accident. We’ll help you decide what makes sense for your budget and vehicle. More coverage often costs less than you’d expect.

  • Do I need full coverage on an older vehicle?

    That depends on the value of the vehicle and your tolerance for risk. If your car isn’t worth much and you could afford to replace it out of pocket, liability coverage may be enough. But if you’d be in a bind without it, collision and comprehensive can offer peace of mind. We’ll walk through the pros and cons with you.

  • What’s the difference between collision & comprehensive coverage?

    Collision covers damage to your vehicle from hitting another car or object. Comprehensive covers things like hail damage, fire, theft, vandalism, or hitting a deer. They’re separate coverages but often purchased together for full protection. If you’re leasing or financing a vehicle, both are usually required.

  • Can I get a discount for bundling with home insurance?

    Yes! Most insurance companies offer multi-policy discounts when you bundle auto with home, renters, or other policies. You can also get savings for safe driving, low mileage, good grades (for students), and more. We’ll check every option available to bring your premium down.

  • Does auto insurance cover rental cars or road trips out of state?

    Most personal auto policies do extend to rental cars and driving across state lines—though there are exceptions. If you’re traveling, moving, or renting something unusual, let us know and we’ll double-check. You want to be covered before something happens, not after.