Best Montana SR-22 Insurance in 2024
Montana SR-22 requirements
Most states require drivers to file an SR-22 insurance form after certain driving violations, often if their license was suspended. The SR22 insurance form verifies that the driver has at least the required liability car insurance coverage. Montana typically does not require drivers to file an SR22 insurance form after certain driving violations. However, you could be required to file an SR22 form in Montana if you committed a violation in another state that requires SR22 insurance. You could also need it if you move to a new state that has an SR22 insurance requirement.
Often times, the SR22 requirement is referred to as SR22 insurance. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost.
Even though SR22 insurance isn’t necessarily required in Montana, offenses that normally require SR22 in other states may still affect your Montana car insurance rates. One of the most common reasons drivers are required to get SR22 insurance is because of a DUI. On average, Montana drivers who have one DUI on their record pay 71.5 percent more for car insurance than drivers with a clean record.
All drivers in Montana are required to carry at least liability car insurance coverage. If you drive without car insurance in Montana, you could face penalties including fines and license and registration suspensions.
SR-22 insurance limits in Montana
While you may not be required to have SR22 insurance in Montana, all drivers still must have liability car insurance coverage with certain coverage limits. In Montana, you must have at least the following coverages:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
Who needs SR22 insurance in Montana?
Unlike most states, Montana doesn’t require drivers to have SR22 insurance after certain driving violations. However, you could be required to have it if you committed a driving violation in another state that has an SR-22 requirement.
SR22 insurance may be required of drivers if they’ve committed certain driving violations. It can even be required after a number of small incidences in a short span of time. Drivers may need SR-22 insurance for the following reasons:
- Conviction for driving under the influence (DUI or DWI)
- Driving without car insurance
- Driving with a revoked or suspended license
- Having repeated traffic violations in a certain amount of time, including speeding tickets
- Numerous at-fault accidents
- A fatal at-fault accident or one that results in injuries
- Reckless or dangerous driving
- Assignment from a court order
- Failure to pay fines from tickets
- Refused consent to breathalyzer or blood alcohol test
If you’re moving to a new state and need to get SR-22 insurance, you’ll need to get SR22 insurance from an insurance company that offers SR22 insurance in your new state. The form will need to be filed with your new state rather than with Montana.
Montana SR-22 insurance rates
Typically, drivers who have an SR22 insurance requirement pay more for car insurance because they’re considered a high-risk or non-standard driver. One of the most common reasons drivers need SR-22 insurance is a DUI. Montana doesn’t require drivers to have SR22 insurance so while you won’t need it after a DUI, your car insurance rates may still be affected by the violation.
On average, drivers in Montana with one DUI pay $1,858 per year for car insurance, which is 71.5 percent higher than standard drivers with a clean record. In the table below, you can view average insurance rates for drivers in Montana who’ve been convicted of a DUI.
| Company | Car insurance rate |
|---|---|
| State Farm | $1,360 |
| Progressive | $1,511 |
| USAA* | $1,543 |
| Farmers | $1,553 |
| Allstate | $1,762 |
| Geico | $1,996 |
| National Farmers Union Property and Casualty Company | $2,157 |
| Nationwide | $1,959 |
*USAA is only available to active and former military members and their families.
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Montana will differ. Rate data is provided by Quadrant Information Services.
How to get SR22 Insurance in Montana
Even though you likely won’t be required to have SR22 insurance in Montana after a violation, you may still have a hard time finding affordable car insurance rates as a high-risk driver. It may be helpful to shop around for a car insurance policy by getting car insurance quotes from multiple companies. You can compare the policy coverage options and prices to find the best and cheapest option.
Use the table at the top of this page to find all the car insurance companies that offer high-risk car insurance in Montana. If you want to see which companies customers say are the best car insurance companies for high-risk coverage in Montana, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.
If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.
SR-22 fees in Montana
If you’re required to file SR22 insurance in Montana after a violation in another state, you may need to pay a fee to your insurance company in order to file the form on your behalf. While the cost of filing SR-22 insurance varies by company, typically, it can cost anywhere from about $25 to $50 to file and submit SR-22 insurance form. You may also be required to pay fees associated with your violation.
Even if you don’t need SR22 insurance after a driving violation in Montana, there are still fees you may be required to pay related to your violation. If your Montana driver’s license was suspended or revoked, you may be required to pay a reinstatement fee. Typically, the reinstatement fee in Montana is $100 but could be more for more serious offenses, such as a DUI.