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Montana SR-22 Insurance: What it is and How Much it Costs
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Which Montana Insurance Companies Offer the Cheapest SR-22 Insurance?
If you have a serious driving violation in Montana, such as a DUI, you need to have SR-22 insurance. This policy costs more than a standard car insurance policy. On average, drivers in Montana who have violations will pay $903 per year for a minimum policy SR-22 insurance, while drivers with a clean record pay less for a minimum policy at $515 yearly.
The cheapest SR-22 insurance in Montana for drivers with violations is State Farm, at $369 per year. Compared to MetLife, the most expensive option, which costs $1,761, drivers can save up to $1,392 yearly by choosing the cheapest insurer.
Cheapest Companies for SR-22 Insurance in Montana
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- CompanyAverage Annual Rate
- 1.$369
- 2.$384
- 3.$741
- 4.$806
- 5.$869
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The rates indicated are for a policy that meets Montana’s minimum car insurance requirements or a full coverage policy with the following coverage limits, $100,000 per person bodily injury liability, $300,000 per accident and $100,000 in property damage costs.
The cost of SR-22 insurance in Montana will vary depending on the cost of filing the document in your area, the nature of your violation and the loss of discounts. For drivers with an SR-22, comparing quotes from different insurers is the best way to find cheap SR-22 insurance in Montana.
Those willing to pay a little bit more for better insurance can also shop for the best car insurance companies in Montana.
Key Takeaways
When filing SR-22 insurance, you will pay a once-off fee of around $25.
A clean driving record makes you eligible for discounts that you will lose when you have violations making SR-22 insurance even more costly.
Depending on your violation, the average rate of SR-22 insurance may be even higher with serious offenses like hit and runs costing more than speeding tickets or DUIs.
What Is SR-22 Insurance in Montana? Who Needs It? How Do You Get It?
In Montana and other states, SR-22 insurance is not a policy but a form that your insurer will file on your behalf to confirm that you have a car insurance policy that meets the state's minimum requirements. An SR-22 form is mandatory for drivers with repeated driving violations and serious offenses like hit and runs, reckless driving, and DUIs. Drivers with violations such as DUIs pay much more for car insurance compared to drivers with clean driving records.
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In Montana, if you file an SR-22 form, you will need to prove that your policy meets the minimum state requirements. The state minimum requirements in Montana are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
Read more with MoneyGeek's Montana car insurance resources or estimate rates with our Montana car insurance calculator.
Who Needs SR-22 Insurance in Montana? And for How Long Do They Need It?
Different states may have different violations that require drivers to get SR-22 insurance. However, in Montana and most other states you will almost certainly need to file for SR-22 insurance if you commit any of the following severe violations:
- Driving without insurance coverage
- Driving with a suspended license
- DUI
- Reckless driving
How Do You Get SR-22 Insurance in Montana?
How long you need SR-22 insurance in Montana will vary depending on your conviction but in most cases, the required duration is three years. For minor violations such as speeding tickets or a standard accident, SR-22 insurance is often not required. You can compare the cheapest insurance for minor violations to find the best option.
To get SR-22 insurance in Montana, you need to request your insurance company to file an SR-22 form with the state. Since drivers with violations are considered high risk, the cost for SR-22 insurance will be higher than that of standard car insurance. Some insurance companies may also choose not to cover drivers with serious violations.
Non-Owner SR-22 Insurance in Montana
Major driving violations in Montana may result in a suspended license. To get your license reinstated, you need to file an SR-22 form as proof that you have car insurance that meets state requirements. If you need to get a license or if you do not own a car but regularly drive rentals or borrowed cars, a non-owner car insurance policy is the most affordable option.
The average cost of non-owner car insurance in Montana is $888. If you are looking for cheap SR-22 insurance in Montana, the cheapest companies are USAA at $253 yearly (only available to current and former members of the military) and State Farm at $300 yearly.
The Average Cost of Non-Owner SR-22 Car Insurance in Montana
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- CompanyAverage Annual Rate
- 1.$253
- 2.$300
- 3.$692
- 4.$826
- 5.$1,307
Prices indicated are for a non-owner car insurance policy for drivers with a DUI, buying policies in Montana with coverage limits of $50,000 in bodily injury liability per person, $100,000 per accident, and $50,000 in property damage.
FAQs About SR-22 Insurance in Montana
If you are looking for SR-22 insurance in Montana, here are some answers to commonly asked questions to guide you.
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Methodology
For this study, MoneyGeek analyzed SR-22 insurance premiums from 8 top insurance companies in Montana. Rates were provided in partnership with Quadrant. Our analysis includes quotes from different ZIP codes across Montana. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 per person bodily injury liability, $300,000 per accident in bodily injury liability, and $100,000 in property damage.
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