State Farm provides the cheapest SR-22 insurance in Montana at $40 monthly for minimum coverage and $112 for full coverage, 52% below the state's average overall. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI on record. Kemper, Progressive, Allstate and Farmers may offer better rates for your specific profile.
Cheapest SR-22 Car Insurance in Montana
Updated: September 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the cheapest car rates for SR-22 insurance in Montana, with premiums averaging $40 per month or $483 per year for minimum coverage.
Montana drivers filing an SR-22 pay an average of $87 monthly for minimum coverage car insurance and $216 per month for full coverage.
Montana requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $20,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Montana
| State Farm | $40 | $112 | -52% |
| Kemper | $78 | $172 | -21% |
| Progressive | $93 | $198 | -9% |
| Farmers | $105 | $255 | 13% |
| Allstate | $108 | $213 | 0% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
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Cheapest SR-22 Car Insurance in Montana by Category
State Farm is the clear leader for SR-22 insurance in Montana, winning all seven categories we analyzed. Their rates start at $40 monthly for most drivers needing SR-22 coverage, making it the consistently affordable choice across different driver profiles.
| Most Drivers Needing a SR-22 | State Farm | $40 | $112 |
| Young Drivers With a Suspension | State Farm | $43 | $120 |
| Senior Drivers With a Suspension | State Farm | $38 | $102 |
| Drivers With Multiple Speeding Tickets | State Farm | $33 | $100 |
| Drivers With Racing Violation | State Farm | $33 | $100 |
| Drivers With Hit-And-Run Accident | State Farm | $40 | $111 |
| Drivers With Other Violations | State Farm | $35 | $120 |
* 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.
Cheapest Personalized SR-22 Car Insurance in Montana
Our analysis covers general rankings, but insurance costs depend on your unique situation. The table below matches you with affordable providers based on your age, gender, coverage needs, credit score and driving history.
Data filtered by:Results filtered by:
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Age:25
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Gender:Female
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Coverage Level:100/300/100 Comp/Coll $1000 Deductible
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Credit Score:Below Fair
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Driving Record: 2 speeding tickets (11-15 MPH over limit)
| Geico | $192 | $2,302 | -37% |
| Allstate | $269 | $3,233 | -11% |
| Farmers | $297 | $3,566 | -2% |
| Nationwide | $307 | $3,680 | 1% |
| State Farm | $309 | $3,707 | 2% |
Cheapest SR-22 Car Insurance in Montana by City
State Farm provides the most affordable SR-22 car insurance in Montana, with rates starting at $29 per month, depending on your location. Our research shows its rates remain consistently low across major cities in Montana.
| Billings | State Farm | $49 |
| Bozeman | State Farm | $43 |
| Sunburst | State Farm | $29 |
| Zurich | State Farm | $31 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Montana
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.
| State Farm | 4.80 | 1 | 2 | 5 |
| Progressive | 4.42 | 3 | 1 | 2 |
| Allstate | 4.15 | 4 | 5 | 3 |
| Nationwide | 4.06 | 5 | 4 | 4 |
| Farmers | 4.02 | 6 | 6 | 1 |
State Farm
Best Overall for SR-22 Insurance in Montana
4.1/5Affordability
5/5Customer Experience
4.9/5Coverage Options
Average Monthly Full Coverage Cost
$112For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$40For minimum state coverage for drivers filing an SR-22Best For
Most Drivers Needing a SR-22
How Much Is SR-22 Car Insurance in Montana?
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.
| Minimum Coverage | $87 | $1,046 | -50% |
| Full Coverage | $216 | $2,586 | -35% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Montana City
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.
Data filtered by:Results filtered by:
Select
Coverage Type:Minimum Coverage
| Billings | $97 | $1,161 |
| Bozeman | $81 | $977 |
| Sunburst | $77 | $926 |
| Zurich | $75 | $899 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Montana SR-22 Insurance Requirements
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.
TYPES OF SR-22 FILINGS
Montana drivers can also choose a SR-22 Operators-Owner Certificate. This joint filing combines the benefits of both traditional and non-owner policies, providing coverage whether you're driving your own vehicle or someone else's. This option is useful for drivers who frequently alternate between their own cars and those belonging to others.
Other Montana SR-22 Insurance Laws and Regulations
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.
- First offense: requires one year of SR-22 coverage
- Second offense within five years: leads to a two-year suspension with continued SR-22 requirement
- Third offense within five years: results in a three-year suspension with ongoing SR-22 requirement.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Montana cost between $15 and $25, while license reinstatement fees range from $200 to $300, based on the violation type. Montana offers payment plans for fees exceeding $200, making it easier to manage these costs.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Montana DMV right away. Your license will be suspended again until you file a new SR-22 and pay any reinstatement fees.
SR-22 Duration Requirements
Montana requires SR-22 insurance for three years in most cases, but this extends to five years for serious violations involving injuries, death, or major property damage. For non-driving violations, the requirements are:
SR-22 Filing Process
To file an SR-22 in Montana, contact an insurance company licensed in the state and purchase a policy meeting Montana's minimum requirements. Your insurance company files the SR-22 electronically with the Montana DMV, with processing typically completed within 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Montana does not offer a state-sponsored high-risk auto insurance program or assigned risk pool for drivers who struggle to get coverage. Drivers who need SR-22 insurance or have been denied coverage by standard insurers will need to shop with non-standard insurance carriers that specialize in high-risk coverage. These specialty insurers typically charge higher rates but provide options for drivers who might otherwise struggle to maintain legal coverage in Montana.
Cheap SR-22 Insurance in Montana: Bottom Line
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.
SR-22 Insurance Montana: FAQ
Below are frequently asked questions about SR-22 certifications in Montana:
What are the cheapest SR-22 car insurance options in Montana?
State Farm provides Montana's cheapest SR-22 car insurance at $40 per month for minimum coverage. Kemper and Progressive follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Montana?
Filing an SR-22 increases car insurance rates in Montana by 50% compared to drivers with clean records.
How long do you need to have an SR-22 in Montana?
In Montana, you must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
