Cheapest SR-22 Car Insurance in Montana (2024)

An SR-22 in Montana is a certification of financial responsibility, not an actual insurance policy. It's filed by either you or your insurance company after certain moving violations like DUI or driving without insurance. While the certificate itself doesn't affect rates, the infractions necessitating an SR-22 can lead to a significant increase in your premiums due to the heightened risk profile associated with such violations.

For those in need of SR-22 coverage, State Farm offers the most affordable state minimum coverage insurance at $151 per year, while Nationwide is a close second with annual premiums of $360.

If you're looking for the cheapest non-owner car insurance with an SR-22 requirement, State Farm leads with a yearly rate of $274, followed by Progressive, which offers a competitive rate of $393 annually.

The cheapest companies for state minimum coverage SR-22 car insurance in Montana are:

• State Farm: $13 per month, $151 per year
• Nationwide: $30 per month, $360 per year

The least expensive providers for full coverage SR-22 insurance in Montana are:

• State Farm: $51 per month, $606 per year
• Nationwide: $114 per month, $1,364 per year

After a moving violation, your car insurance rates can go up since you're seen as a high-risk driver. But don't worry, you can still find cheap SR-22 car insurance by shopping around. Compare quotes to get a deal that fits your budget.

Remember, finding the most affordable provider for SR-22 insurance is key. It can help you save money while meeting the legal requirements after a traffic offense.

The companies with the cheapest non-owner SR-22 insurance in Montana are:

• State Farm: $23 per month, $274 per year
• Progressive: $33 per month, $393 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This is often due to license suspension, revocation or serious traffic violations.

For non-owner drivers, it's crucial to find the most affordable provider to ensure compliance with legal requirements without overpaying for insurance coverage.

An SR-22 is a form that proves you have the necessary car insurance. In Montana, after serious traffic violations like DUI, driving without insurance or repeat traffic offenses, you or your insurer must file this form. You'll need to keep an SR-22 for three years in Montana. If your SR-22 is canceled or lapses, your insurer will tell the Montana Public Safety Department. This form doesn't give you coverage, but it shows you have at least the minimum required.

An SR-22 insurance certifies that you have the minimum car insurance requirements which in Montana include:

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

Even if you don't own a car, you might need SR-22 non-owner car insurance. Remember, a regular insurance card is not a replacement for an SR-22.

Montana drivers may need to file an SR-22 through their insurance company after certain traffic violations. This form proves you have the state minimum coverage auto insurance, which is important for keeping your driver's license. Major offenses like DUI, driving without insurance, and serious traffic violations can lead to this requirement.

The SR-22 is typically needed for three years. Below, you'll find a list of specific convictions that mandate filing an SR-22, ensuring you stay informed and on the road legally.

Filing an SR-22 in Montana often leads to higher insurance rates and fewer choices for minimum coverage. You might even face policy cancellation or denial after filing. It's important to keep your insurance going without any lapses because any gap could reset your SR-22 requirement. In Montana, you need an SR-22 for usually three years.

Knowing the consequences of not filing an SR-22 helps drivers avoid further legal issues and financial strain. It's a key step in regaining full driving privileges.

Below is the list of how an SR-22 negatively impacts your car insurance in Montana:

Drivers in Montana with a DUI can expect to pay an average of $1,747 annually for full coverage car insurance and $586 for minimum coverage. In contrast, drivers with a clean record pay $1,079 for full coverage and $383 for minimum coverage. The severity of your offense significantly affects your premiums.

It's not the SR-22 certificate that raises your rates, but the violations associated with it. Repeat offenders or those with severe violations might face non-renewal or increased rates at renewal. An SR-22 certificate is typically required for 3 years. During this time, you must maintain minimum liability coverage of 25/50/20.

Filing an SR-22 in Montana is mandatory for drivers with serious offenses like DUI. Not filing can lead to license suspension. Maintain minimum coverage for three years to comply.

Here are the steps to secure an SR-22 in Montana:

If your SR-22 in Montana lapses, your driving rights will be taken away again. You need this form for serious road mistakes like DUI. Keep it for three years. If it ends, you'll pay more to get your license back. Your insurance company tells the state if your SR-22 stops. For the exact cost to get a new SR-22, check with your insurer.

A DUI can hike up your car insurance costs, but you're not out of options for finding affordable coverage. For example, a 30- to 59-year-old with a clean record may pay an annual premium of $388 for state minimum coverage, while the same person with a DUI could pay $594.

In Montana, drivers needing an SR-22 can still navigate their way to cheaper rates. Know where to look and compare the right policies to meet the state's 25/50/20 minimum liability coverage for the required three-year period. Explore the best car insurance after a DUI to understand your options and find a rate that won't break the bank.

Finding affordable SR-22 insurance in Montana can be a challenge. Get answers to your questions about securing the most cost-effective coverage.