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Insurance feels complicated, but it shouldn't.
Getting behind the wheel shouldn’t break the bank, and neither should your monthly insurance bill.
Our trusted partners have helped thousands of drivers secure affordable coverage and save hundreds on their existing policies.
Reach out now to see how much you could cut from your premiums while maintaining the protection you need.
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No matter what you drive, you can find coverage below.
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Most clients either update their current policy or get a new one written under their Montana LLC.
If you are able to update your policy online, this is usually the easiest way to get things done.
Let your insurer know where the vehicle is garaged and whether it’s your primary car.
If your insurer can’t help, we can connect you with agents who’ve worked with our clients before.
Carry a personal auto policy in your home state at the garaging address (where the car sits ~95% of the time). You don’t need a Montana policy just because the registration is in Montana.
Unless you’re in California, New York, Massachusetts, or New Jersey—or your collection tops about $600,000…you generally don’t need a commercial policy.
Even in the states we mentioned, our partners have been able to help hundreds of individuals find a personal auto policy that works for their needs.
Add your LLC as an additional interest (similar to a lienholder). You remain the insured driver.
⚠️ Don’t use additional insured—that’s a different designation.
Refer to the statutory category on the Montana paperwork. For example, say “quadricycle,” not “UTV” or “off-road toy.”
Many insurers aren’t used to Montana titles with the vehicle garaged elsewhere. An experienced agent helps smooth this out.
If the LLC owns the vehicle and there’s a claim, the check may be issued to the LLC. Your options:
Endorse it (if your bank allows), or
Deposit it into a business account opened under the LLC’s EIN.
Yes — registering your vehicle in Montana through an LLC is completely legal and widely practiced. Montana law allows LLCs to own and register vehicles in the state, even if the owner lives elsewhere.
We follow the letter of the law and guide you through a fully compliant process used by thousands of out-of-state vehicle owners every year.
Montana charges 0% sales tax, which means serious savings—legally.
Let’s say you buy a $75,000 vehicle in a state with 7% sales tax… that’s $5,250 you’d normally owe just in taxes.
Register through a Montana LLC instead, and you skip that cost entirely.
That’s money back in your pocket for upgrades, adventures, or your next vehicle.
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