Auto Insurance

As your trusted, local Montana insurance professionals, we pride ourselves on the ability to secure dependable car insurance for Montana drivers without the complications of your average insurance company. The team at Watts & Kennedy Agencies is proud to provide superior customer support by offering quality car insurance strategies.

Auto insurance can protect you from loss in the event of an unfortunate accident. At Watts & Kennedy Agencies, we provide you with as many reliable and affordable options as possible.

We offer the following options for Montana Auto Insurance:

Bodily Injury Liability

This type of coverage pays for medical bills, lost wages or income, pain and suffering, and even funeral expenses for those who succumbed to their injuries in an accident where you were deemed legally responsible. This coverage also pays for the legal and court costs to defend you in a covered lawsuit. This type of coverage is required in most states.

Property Damage Liability

If you are responsible for causing an accident, you are legally held responsible for repairs to another person’s vehicle or property. Property damage coverage not only covers the cost to repair the other person’s car, but it also covers repair costs of anything you hit with your vehicle, such as a street lamp, fence or building. This type of coverage is required in most states.


This type of auto insurance coverage pays for damage to your car as the result of a collision with another vehicle. Even if you are at fault for causing an accident, this type of coverage will reimburse you for the cost of fixing your car once you have paid the out-of-pocket deductible amount. If you are not at fault, your insurance company can seek reimbursement from another driver to cover the cost of repairs to your vehicle. Collision coverage is optional in all states. However, if your automobile is financed, your bank or lending institution will require you to have this coverage.


This coverage protects you for losses due to hazards not caused by a collision with another vehicle. This includes damages that are the result of theft, vandalism, fires, falling objects, earthquakes and storms, or contact with animals, such as deer. Comprehensive coverage is optional in all states. Though, like collision coverage, if your vehicle is financed, your bank or lending institution will require you to have this coverage.

Uninsured and Underinsured Motorist Coverage

This policy protects you and other passengers in your automobile when injured in an accident by a motorist who is uninsured and held legally responsible for your injuries. It pays the medical expenses and related expenses you have incurred up to the coverage limits you select.


We understand that you want to be fully covered for a wide range of auto risks, yet at the same time, keep premiums and expenses in mind. Our insurance professionals are committed to making your protection needs our top priority! We look forward to helping you find the most affordable and comprehensive coverage.


Our Insurance Carriers

Our agency is licensed in the state of Montana.

Office Hours

  • Monday-Thursday: 7:00 am - 4:00 pm
  • Friday: 7:00 am - 12:00 pm

Miles City