Cheapest SR-22 Car Insurance in Montana

State Farm offers the cheapest SR-22 insurance in Montana at $15 monthly for minimum coverage, 74% less than the state average of $58. It's also the most affordable for full coverage at $62.

State Farm offers Montana's cheapest non-owner SR-22 insurance at $23 monthly or $274 annually. Non-owner insurance is a great option if you need to meet state minimum coverage requirements but don't own a car.

The table below shows providers and their average minimum coverage costs.

Montana's average cost of car insurance for drivers with an SR-22 is $697 annually for minimum coverage, 56% more than the $446 average for drivers with clean records.

SR-22 drivers face an average annual cost of $1,900 for full coverage, while clean-record drivers pay around $1,171. This is a 62% increase for those with an SR-22.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation on your driving record determines the cost. The table below compares SR-22 insurance prices for common violations across age groups in Montana.

An SR-22 is a form proving you have minimum coverage. In Montana, drivers with certain violations must file an SR-22 to reinstate their license. Insurers view these drivers as high-risk, leading to higher premiums.

An SR-22, often called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a form your insurer files with the state to show you have enough coverage. This ensures you meet the requirements to regain your driving privileges under Montana's Financial Responsibility law.

Montana requires drivers to have an SR-22 for up to three years after serious traffic violations. This form proves you meet the state’s minimum coverage requirements. To comply with SR-22 laws, you must have these liability limits:

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

In Montana, SR-22 certificates are usually required for three years. For second and third convictions, the period can extend to five to 10 years.

Along with using an SR-22 for three years to stay compliant with Montana's minimum coverage laws, there are other rules that SR-22 drivers need to follow:

• Fees: To reinstate driving privileges, you must pay a fee in addition to filing an SR-22 to prove liability insurance.
• Policy cancellation: Filing for an SR-22 may lead your insurer to cancel or not renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Any lapse will prompt your insurer to notify the state, potentially resulting in penalties or license suspension.
• Relocation: If you move out of Montana during the SR-22 period, coordinate with your insurer for an out-of-state filing.
• Completion: After the three-year term, your insurer must file a financial responsibility cancellation with Montana, confirming you’ve met the SR-22 requirement.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. If you don't have coverage already, you'll need an SR-22 insurance quote. Finding insurance with an SR-22 can be more difficult than for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Montana may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance offers liability coverage for those who frequently drive but don’t own a vehicle. It provides protection when driving someone else’s car, covering third-party injuries or property damage if you cause an accident. This type of policy is often more affordable than standard insurance and suits frequent renters or rideshare drivers. 

After purchasing a non-owner policy, your insurer can file an SR-22 to help you comply with state requirements, allowing license reinstatement after three years.

Montana drivers with severe offenses need an SR-22 to meet the state minimum coverage requirements. You must keep this form for three years or more for serious or repeat offenses. Although SR-22 rates are higher, cheap car insurance providers in Montana are available.

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

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Montana drivers with various profiles and needs.

Montana Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

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:

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

For the most affordable policy with comprehensive and collision coverage — also referred to as a full coverage policy — we used the following limits 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

Learn more about MoneyGeek's car insurance methodology.