Cheapest SR-22 Car Insurance in Montana

State Farm offers Montana's lowest SR-22 insurance premiums at $483 for minimum coverage and $1,343 for full coverage. That minimum coverage rate is $1,002 below the state average of $1,485, or about 52% cheaper, giving State Farm a clear cost advantage for drivers needing SR-22 filings.  

Nationwide, the most expensive provider on our list, charges $1,546 for minimum coverage, actually 4% above the state average and $1,063 more than State Farm. Montana shows one of the widest spreads between cheapest and most expensive SR-22 carriers.

The table below shows the top five companies with the lowest SR-22 insurance rates in Montana.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm most frequently appears as the cheapest across categories. The least expensive category is Drivers With Racing Violation, averaging $392 for minimum coverage SR-22 insurance with State Farm, while the most expensive is Young Drivers With a Suspension, at $511 with State Farm. The narrow spread underscores how 

Montana's risk tiers are priced closely together.
Your final SR-22 rate will still hinge on the details of your violation and how recently it occurred.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Sunburst records the lowest minimum coverage SR-22 at $349 (State Farm), while Billings averages $591 (State Farm). The $242 difference, or roughly 69% higher, reflects heavier traffic and higher claim activity in larger cities.

Local collision rates, theft exposure, and area repair costs all influence SR-22 pricing across Montana.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm is the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and useful coverage options, earning the highest overall MoneyGeek score. However, you should also consider Progressive, Allstate, Nationwide and Farmers in your search.

Montana residents pay $1,046 annually for minimum SR-22 coverage and $2,586 per year for full coverage policies. The state ranks fifth most affordable for minimum coverage and 11th for full coverage nationwide. Monthly premiums can range from $60 to $654, depending on your driving record and other personal factors.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Zurich has Montana's lowest SR-22 minimum coverage rates at $75 per month, while Billings residents pay the highest at $97 monthly. You can review insurance costs for major cities across the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Montana laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $20,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can be extended if there is noncompliance with requirements or repeated offenses.

While filing an SR-22 helps meet Montana's basic insurance requirements, drivers should be aware of several other important coverage regulations and state laws.

In Montana, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three to five years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Montana:

MoneyGeek analyzed hundreds of thousands of quotes across Montana to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Montana SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Montana's minimum coverage requirements, with the following limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $25,000 property damage liability per accident

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.