Cheapest SR-22 Car Insurance in Montana (2024)

Progressive is the most cost-effective choice for full coverage SR-22 insurance in Montana at $520 per year. State Farm is the cheapest for minimum coverage SR-22 at $188 per year. State Farm offers the most competitively priced SR-22 car insurance for drivers who don't own a car at $274 per year, followed by Progressive at $393 per year.

In Montana, having a major driving offense on your record necessitates filing an SR-22. While the SR-22 form itself does not directly impact insurance rates, most violations requiring an SR-22 will result in significant premium increases. Montana has affordable car insurance options to suit your needs regardless of car ownership status.

The top two most affordable providers of minimum coverage SR-22 auto insurance in Montana for drivers with DUIs on their records are:

• State Farm: $188 per year
• Progressive: $205 per year

The cheapest full coverage SR-22 policies in Montana are offered by:

• Progressive: $520 per year
• State Farm: $689 per year

Auto insurance premiums typically increase significantly following a driving offense because insurance companies perceive you as riskier to insure with a greater likelihood of filing claims. Comparing rates can help you find affordable insurance. When seeking low-cost SR-22 car insurance options in Montana, consider the following top options, with annual rates ranging from $188 to $827.

Certain driving violations necessitate obtaining an SR-22, which is proof of financial responsibility. While specific regulations may differ by state, some situations typically require an SR-22 filing, including:

• DUI, DWI or other serious driving offenses
• Multiple driving violations within a short period
• Driving without insurance
• Being in an accident without adequate insurance coverage
• Restoring a suspended or revoked license

Montana drivers must maintain an SR-22 on file for one to five years. The duration can vary based on the seriousness of the offense, and repeated infractions may also lead to longer filing periods.

Your auto insurance provider is legally required to submit the SR-22 form to Montana’s DMV on your behalf. If you need help understanding SR-22 car insurance, you can rely on MoneyGeek for guidance.

The following insurers offer the most affordable SR-22 non-owner car insurance in Montana:

• State Farm: $274 per year
• Progressive: $393 per year

USAA is the most affordable choice for military-affiliated drivers, charging $182 annually.

Non-owner drivers might be required to obtain an SR-22 if their license was suspended or revoked or if they were convicted of a DUI or other significant traffic violation. Non-owner car insurance can assist in reinstating your license and ensuring legal compliance. Our thorough comparison of rates from various non-owner SR-22 car insurance providers in Montana has identified the most budget-friendly alternatives, with premiums ranging from $274 to $825 per year.

If you have a DUI on your driving record, expect your annual SR-22 insurance rates to cost around $488 for minimum coverage or $1,588 for full coverage. It's crucial to note that even minor offenses — like speeding or being at fault in an accident — may require you to file an SR-22. Having a record of driving violations can also lead to an increase in your car insurance premium.

Montana drivers who are required to file an SR-22 should expect an average premium increase of $170. However, various factors can influence premium changes, including the severity of the offense, chosen coverage levels and driving history.

Filing an SR-22 may be necessary for various reasons, including driving without sufficient insurance, failing to pay court-ordered child support, hardship licenses, DUI/DWI charges and multiple traffic violations.

In addition to spending more on insurance coverage, you’ll face various potential repercussions after filing an SR-22 in Montana. Below are some consequences following the submission of this form.

After a driving violation, we advise taking these steps to obtain sufficient car insurance:

1. Search for an insurance provider catering to drivers with violations on their records.
2. Buy an insurance policy that adheres to the minimum liability requirements set by Montana.
3. Ask your insurer to file an SR-22 form on your behalf, which acts as proof of financial responsibility.
4. Make sure to pay any applicable fees and keep your SR-22 form current.

By following these steps, you can demonstrate your commitment to taking responsibility for your driving history and ensuring that you have adequate insurance coverage.

After being charged with a DUI, you may be required to pay higher insurance costs as providers will perceive you as riskier to cover. However, there are ways to find more affordable car insurance options. By obtaining quotes from different providers and meeting specific criteria, such as completing an accredited alcohol education program, you can secure more reasonable SR-22 car insurance rates. Although your premiums may still be higher than before the conviction, having car insurance remains crucial to protect yourself and others.

Below are MoneyGeek’s answers to some commonly asked questions about SR-22 car insurance in Montana.