Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Montana (MT), drivers are required by law to carry liability insurance to cover bodily injuries and property damage. The minimum amounts are $25,000 for bodily injury or death of one person in an accident, $50,000 for bodily injury or death of two or more persons in an accident, and $20,000 for property damage per accident. These are often referred to as 25/50/20 coverage. Insurance rates in Montana, as in other states, can be significantly affected by a driver's record. Traffic violations, including speeding tickets, can result in increased premiums. More severe infractions, such as DUI/DWI, street racing, or hit-and-run, can lead to even higher insurance costs, sometimes increasing premiums by 75% or more. Drivers in Montana who have received citations or have been involved in traffic violations that may impact their insurance rates should consider consulting with an attorney who specializes in traffic law to understand their options and potentially mitigate the consequences.