Get the Right Insurance for Your
Montana-Registered Vehicle
Whether you’re driving a car, RV, military Humvee, or street-legal SxS registered in Montana, insuring it properly is just as important as registering it.
All Vehicle Types
Cars, RVs, Military, Street-Legal Dirt Bikes
LLC Coverage
Expert guidance for LLC-owned vehicles
Trusted Agents
Vetted professionals who understand
Need a Trusted Insurance Contact?
We’ve worked with dozens of customers who needed help insuring their Montana-registered vehicles. That’s why we built this list of insurance agents who understand the process and can guide you the right way.
These agents know what they're doing when it comes to:
- Out-of-state registration
- LLC-owned vehicles
- RVs, exotic cars, and military trucks
- Street-legal SxS / UTVs
Vetted Insurance Professionals
Our trusted network understands Montana LLC structures and complex vehicle registrations. Select from the options below, to get in contact with one of our preferred insurance agents who understands the Montana LLC structure and can help insure your vehicle properly.
These agents know what they're doing when it comes to:
- Out-of-state registration
- LLC-owned vehicles
- RVs, exotic cars, and military trucks
- Street-legal SxS / UTVs
Vetted Insurance Professionals
Our trusted network understands Montana LLC structures and complex vehicle registrations. Select from the options below, to get in contact with one of our preferred insurance agents who understands the Montana LLC structure and can help insure your vehicle properly.
Select Insurance
Personal Auto,
Commercial Auto
Powersports
RV/Camper/Trailers
Licensed in all 50 states.
Trustway Insurance
Personal Auto,
Commercial Auto
Street Legal Conversions (Offroad)
RV/Camper/Trailers
Licensed in all 50 states.
Big Sky Insurance
Collector Cars and Luxury Vehicles
Crosby Family Insurance
Luxury Cars and RVs
Goosehead Insurance
High Value Vehicles and Collections ($600k total value minimum)
Mr. Insurance
Personal Auto
Commercial Auto,
ATVs, UTVs, Dirtbikes,
Military Vehicles
RV/Camper/Trailers.
Licensed in all 50 states
Mathis Insurance
Daily Drivers
RVs
Street Legal conversions
Licensed in: CA, CO, CT, ID, IL, IN, MD, MI, MO, MT, NE, NV, NJ, NY, NC, PA, TX, UT, VA, WA, WY
Triple Creek Insurance
Most Vehicle Types
Insurance Guidelines for Montana-Registered Vehicles
Follow these simple steps to ensure proper coverage for your Montana-registered vehicle
1. Insure in your home state
Use your personal auto policy with your home address (where the vehicle is parked 95% of the time).
You don’t need to insure it in Montana just because it’s registered there.
2. A personal policy is usually fine
Unless you live in California, New York, Massachusetts, or New Jersey — or have a collection over $600,000 — you likely don’t need a commercial policy.
3. Add your LLC as an 'additional interest'
This is like adding a lienholder. You (personally) are still the insured driver.
⚠️ Do not list your LLC as ‘additional insured’ — that’s different.
4. Keep it simple with your agent
Call the vehicle by its legal classification in Montana.
Example: ‘Quadricycle,’ not ‘off-road toy’ or ‘UTV.’
5. Know that out-of-state titles may confuse agents
Not all insurance companies are familiar with Montana-titled vehicles garaged elsewhere. That’s why experience matters.
**LLC & Insurance Payout Tip
If your LLC owns the vehicle and there’s an accident, your insurance payout may be written to the LLC.
You can:
- Endorse the check if your bank allows
- Or open a business bank account with your LLC’s EIN to deposit it
You deserve an insurance solution as simple as our registration services.
Life on the road is about freedom, not red tape. With Dirt Legal, you'll get a smooth, cost-effective registration solution designed to fit your lifestyle, so you can spend less time worrying and more time exploring.
