How to Insure Your LLC’s Vehicles
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To insure a vehicle registered under a Montana LLC while living in another state, you need to separate ownership from usage — and disclose that properly to the insurance company. Here’s how to do it legally and correctly:
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✅ 1. Use the Montana LLC as the Titled Owner
• The Montana LLC should be the legal owner of the vehicle.
• The title and registration should be issued in the LLC’s name with a Montana address.
• You (the individual) can be listed as a member or manager of the LLC, but not the owner of the vehicle.
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✅ 2. Insure the Vehicle Where It’s Primarily Garaged
Insurance companies care more about where the car is primarily kept and driven than where it’s registered.
• On the insurance application:
• List the Montana LLC as the named insured.
• List your home address (in your state) as the garaging location.
• Disclose that the vehicle is registered to an LLC in Montana.
• Many insurers will ask, “Is this vehicle used for business?” You can answer no, unless it actually is.
💡 Tip: Some insurers (like Progressive, Safeco, and specialty carriers) are used to insuring Montana LLC vehicles — especially for high-end or collector cars, RVs, and exotics.
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✅ 3. Choose an Insurance Company That Allows LLC Ownership
Some carriers won’t write personal policies for LLC-owned vehicles unless it’s a business policy. You have three options:
• Personal policy: If allowed, write the policy with the Montana LLC as the owner and you as the insured driver.
• Commercial auto policy: Not required unless you are required for fleets, business-use vehicles, or exotics — but may cost more.
• Specialty insurers: Like Hagerty (for collector cars), National General, or Grundy — especially good for Montana LLC setups.
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✅ 4. Keep Supporting Documents Handy
• Articles of Organization for the Montana LLC.
• Operating Agreement (listing you as manager/member).
• Montana title and registration.
• Insurance ID card and proof of garaging address.
This way, you’re prepared if asked by:
• Law enforcement,
• Insurance adjusters,
• DMV or tax officials in your home state.
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⚠️ What NOT to Do
• Don’t lie about where the car is located — that’s insurance fraud.
• Don’t insure it as a Montana resident if you aren’t — it could result in denied claims.
• Don’t list yourself as the owner on the policy if the LLC owns the vehicle.
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🔒 Summary
Step Action
✅ Title Vehicle titled to Montana LLC
✅ Registration Montana address, Montana LLC name
✅ Insurance List Montana LLC as owner; Garaging Address = Your State
✅ Disclosure Be upfront with insurer about the LLC ownership
✅ Carrier Use companies familiar with Montana LLC setups
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Would you like a sample insurance declaration or help contacting insurance providers who are Montana-LLC-friendly?
Sandra Bozan
20-44 Personal Lines Agent
4-40 Licensed Customer Representative
Recreation Specialist
Toll Free: 800-507-8467
225 SW 33rd Street, Suite A
Fort Lauderdale, FL 33315
Phone: 954-791-5007 x110
Fax: 954-791-0306