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Montana SR-22 Car Insurance

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How Much Does SR-22 Cost in Montana?

Driving violations in Montana are not taken lightly. If you have been convicted of DUI, acquired too many points on your license, have several driving violations, and the like, you are likely to be mandated to get SR-22 insurance to reinstate your driving privileges. It is a prerequisite that your insurance policy meets the minimum liability requirements of Montana. However, the increase in your policy also depends on the severity of your violations. Thus, in Montana, garnering cheap SR-22 insurance rates is feasible. 

What is the rate of SR-22 insurance in Montana?

Montanas’ SR-22 insurance cost is way more expensive in contrast to the average rates good drivers enjoy. Driving citations such as speeding tickets can also render an increase in your car insurance rates in Montana. The average SR-22 insurance rate in Montana is roughly around $1,500 monthly. Thus, regardless of the kind of violation you commit, your auto insurance rate will rise significantly.

Looking at policies from different companies and their perks and discounts that qualify you will help you garner the best SR-22 insurance rates in Montana. Additionally, hiring an insurance agent will also help you comprehensively compare rates from different companies and significantly decrease your SR-22 insurance cost.

Montana SR-22 Car Insurance Rates by Company

There are several SR-22 insurance significant players in Montana. Liberty Mutual, USAA, and State Farm are some of the few that offer competitive SR-22 auto insurance rates in the state. These car insurance companies intensively evaluate your driving history to determine your risk level. Insurers will then give your SR-22 car rates upon examining your recent driving profile, location, age, and vehicle type.

Montana SR-22 Car Insurance Rates Per Violation

CompanyDriver with Clean RecordWith 1 Speeding ViolationWith 1 At-Fault AccidentWith 1 DUI
Liberty Mutual$890$1,250$1,560$1,560
USAA$1,523$1,856$1,885$2,817
State Farm$2,244$2,410$2,570$2,411
GEICO$2,309$2,756$3,655$5,651
Nationwide$2,516$3,042$3,627$4,688
Farmers$2,910$3,424$4,426$4,316
Progressive $3,733$4,129$4,800$4,610

One of the most common causes of car insurance increase is the privilege of a good driver discount. If you have been convicted with DUI citations, you will not be eligible for a good driver discount for ten years. Additionally, after a DUI or road violations, your license can be voided, and the cost of license reinstatement in Montana is $120 to $125.

What is SR-22 Car Insurance in Montana?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Montana. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form to DMV, which must be done by your insurer on your behalf.

How much does SR-22 insurance cost per month in Montana?

SR-22 insurance projects the financial responsibility and stability of the high-risk driver. There are a couple of requirements when acquiring SR-22 insurance in Montana. One is purchasing a car insurance policy that meets the standard level of the liability insurance policy. The other one is the filing of the SR-22 form, which must be done by your insurer on your behalf. The cost of SR-22 insurance per month is $465.

Montana Non-Owner SR-22 Insurance

Three Forms of Financial Responsibility

  • Owner’s Policy Certificate
  • Broad Coverage Policy Certificate
  • Operator’s Policy Certificate

You will not be eligible for non-owner SR-22 insurance in Montana if you have a car that you frequently drive despite the car is owned by another person. But, for those who are qualified for non-owner SR-22 insurance, state-required liability insurance will be provided regardless of the kind of car you drive. On a brighter note, non-owner SR-22 insurance holders garner cheaper rates in contrast to those under an owner’s policy. It is one way to reduce your SR-22 insurance cost in Montana after a violation.

Montana SR-22 Car Insurance

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Montana Car Insurance Rates After Common Violations

Common CitationAnnual Average Rate (with violation)Annual Average Rate (with no violation)
No Citations$1,522
At-Fault Crash at >$2,000$2,257$725
Speeding Ticket (21-25mph above limit)$1,988$455
Reckless Driving$2,349$814
Racing$2,237$704
Hit-And-Run$2,475$942
DUI/DWI$2,344$812

How To Get an SR-22 Insurance in Montana?

If you have an ongoing car insurance policy, it can be easy to acquire an SR-22 after a violation. Just directly contact your agent or car insurance provider and request them to file SR-22 insurance on your behalf. However, there are some insurance companies around Montana that might refuse your request. Thus, the best thing to do is to look for another company that can cater to your needs.

Filing a Montana SR-22 Insurance for Insured Drivers

If you are insured and want to file SR-22 car insurance in Montana, an additional cost will be billed to you for the whole process of the application. It is likely for some insurance companies to disqualify your application. However, there will be other companies that would be willing to sell you SR-22 insurance. 

Filing a Montana SR-22 Insurance for Non-Owners

It can be tricky for non-owner drivers to acquire SR-22 insurance, but it also can be cheaper. All you need to do is concrete proof of your insurance to acquire the required certificates that were mentioned above. 

The best thing to do is to purchase non-owners car insurance coverage before trying to apply for SR-22 insurance. It may take a lot of your time and effort, but being able to qualify for non-owners SR-22 insurance will help you garner cheaper rates since you will not be given coverage for your vehicle’s physical damage in cases of collision.

The bottom line is, it is better to prevent the obligation of acquiring SR-22 insurance as much as possible. Maintaining a good driving profile and intentionally avoiding road violations will keep on you the list of good drivers in Montana, which, relatively, is the best way to keep your car insurance rate on the average level.

Montana SR-22 Insurance FAQs

  • Do all insurance companies around Montana offer SR-22 insurance?

    Most of the prominent companies in Montana offer SR-22 insurance. However, some do not offer such services while some may reject you due to the risk you carry.

  • Is motorcycle insurance mandated in Montana?

    No. Motorcycle insurance is not required in the state of Montana. However, you can get it at your own will.

  • Can I get my license back without completing my SR-22 requirements in Montana?

    No. one of the requirements for you to procure your license back is SR-22 insurance. 



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