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Does Montana require a car insurance discount for drivers 55 and older?

Montana drivers 55 and older can get a car insurance discount after a highway traffic safety program. The law requires it on liability, bodily injury and collision coverage for an insured operator of the car. A course ordered by a court or agency as punishment for a moving violation does not count. The discount lasts 3 years.

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The rule, fact by fact

Rule
Montana Code 33-16-222, requirement for rate reductionCite this section when you ask your insurer about the discount.
Verified. mca.legmt.gov (opens state website) · checked Nov 13, 2026
Who needs it
Insured operator of a covered vehicle, 55 or older, after a highway traffic safety programAsk your insurer which parts of your policy the discount covers.
Same source and date as above
Valid for
A 3-year period after finishing the approved courseAsk your insurer which renewal dates fall inside that window.
Verified. mca.legmt.gov (opens state website) · checked Nov 13, 2026

How to get it done

  1. Step 1. Check that you are an insured operator of the covered vehicle and that you are 55 or older. A course a court or other governmental entity orders as punishment for a moving traffic violation does not count.

  2. Step 2. Pick a highway traffic safety program. The law describes it as a program designed to reduce traffic accidents, deaths, injuries and property damage, and it may include defensive driving programs run by the body the governor designates. Ask the provider to confirm that your insurer accepts it.

  3. Step 3. Take the course and finish it. We haven't confirmed whether Montana lets you take it online, so ask the provider and your insurer.

  4. Step 4. Show your insurer that you finished the course. To keep the discount, the insurer may require any or all of these: no at-fault accident, no conviction or plea of guilty or nolo contendere to a moving traffic violation, and no forfeited bail or collateral for one.

Before you pay

Pay for a course only after you ask your insurer what it takes off. Get the exact amount in writing.

Questions

How often do I take the course again?

Every 3 years. Each person has to take an approved course that often to stay eligible for the discount.

Will my insurer pay for the course?

It may. Besides giving the discount, an insurer may reimburse the fee for taking part in the program.

How big is the Montana discount?

The insurer determines the amount. Whatever discount it uses is presumed appropriate unless credible data demonstrates otherwise.

What to do next

Ask your insurer before you pay. The full text is in the Montana Code.

mca.legmt.gov

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