SR-22 insurance in Montana: Quotes, rankings and information

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Montana SR-22 requirements

Most states require drivers to file an SR-22 insurance form after certain driving violations, often if their license was suspended. The SR22 insurance form verifies that the driver has at least the required liability car insurance coverage. Montana typically does not require drivers to file an SR22 insurance form after certain driving violations. However, you could be required to file an SR22 form in Montana if you committed a violation in another state that requires SR22 insurance. You could also need it if you move to a new state that has an SR22 insurance requirement.

Often times, the SR22 requirement is referred to as SR22 insurance. While SR-22 insurance is not actually a different type of insurance from typical car insurance, the term is often used to describe car insurance coverage for those who need an SR-22 endorsement because an SR22 affects your car insurance coverage and cost.

Even though SR22 insurance isn’t necessarily required in Montana, offenses that normally require SR22 in other states may still affect your Montana car insurance rates. One of the most common reasons drivers are required to get SR22 insurance is because of a DUI. On average, Montana drivers who have one DUI on their record pay 71.5 percent more for car insurance than drivers with a clean record.

All drivers in Montana are required to carry at least liability car insurance coverage. If you drive without car insurance in Montana, you could face penalties including fines and license and registration suspensions.

SR-22 insurance limits in Montana

While you may not be required to have SR22 insurance in Montana, all drivers still must have liability car insurance coverage with certain coverage limits. In Montana, you must have at least the following coverages:

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

Who needs SR22 insurance in Montana?

Unlike most states, Montana doesn’t require drivers to have SR22 insurance after certain driving violations. However, you could be required to have it if you committed a driving violation in another state that has an SR-22 requirement.

SR22 insurance may be required of drivers if they’ve committed certain driving violations. It can even be required after a number of small incidences in a short span of time. Drivers may need SR-22 insurance for the following reasons:

  • Conviction for driving under the influence (DUI or DWI)
  • Driving without car insurance
  • Driving with a revoked or suspended license
  • Having repeated traffic violations in a certain amount of time, including speeding tickets
  • Numerous at-fault accidents
  • A fatal at-fault accident or one that results in injuries
  • Reckless or dangerous driving
  • Assignment from a court order
  • Failure to pay fines from tickets
  • Refused consent to breathalyzer or blood alcohol test

If you’re moving to a new state and need to get SR-22 insurance, you’ll need to get SR22 insurance from an insurance company that offers SR22 insurance in your new state. The form will need to be filed with your new state rather than with Montana.

Montana SR-22 insurance rates

Typically, drivers who have an SR22 insurance requirement pay more for car insurance because they’re considered a high-risk or non-standard driver. One of the most common reasons drivers need SR-22 insurance is a DUI. Montana doesn’t require drivers to have SR22 insurance so while you won’t need it after a DUI, your car insurance rates may still be affected by the violation.

On average, drivers in Montana with one DUI pay $1,858 per year for car insurance, which is 71.5 percent higher than standard drivers with a clean record. In the table below, you can view average insurance rates for drivers in Montana who’ve been convicted of a DUI.

Company Car insurance rate
State Farm $1,360
Progressive $1,511
USAA* $1,543
Farmers $1,553
Allstate $1,762
Geico $1,996
National Farmers Union Property and Casualty Company $2,157
Nationwide $1,959

*USAA is only available to active and former military members and their families.

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 DUI on their record. The rates displayed should only be used for comparative purposes as individual rates for high-risk insurance in Montana will differ. Rate data is provided by Quadrant Information Services.

How to get SR22 Insurance in Montana

Even though you likely won’t be required to have SR22 insurance in Montana after a violation, you may still have a hard time finding affordable car insurance rates as a high-risk driver. It may be helpful to shop around for a car insurance policy by getting car insurance quotes from multiple companies. You can compare the policy coverage options and prices to find the best and cheapest option.

Use the table at the top of this page to find all the car insurance companies that offer high-risk car insurance in Montana. If you want to see which companies customers say are the best car insurance companies for high-risk coverage in Montana, sort the table by highest rated. You can sort through companies and find the ones you want to get quotes from. To get quotes, click on the orange “Click for quote” button next to the company, call the number available, or visit the company’s website.

If you want to read customer reviews of the company, click the company name in the table and you will be directed to the company’s profile page containing information about the company and reviews.

SR-22 fees in Montana

If you’re required to file SR22 insurance in Montana after a violation in another state, you may need to pay a fee to your insurance company in order to file the form on your behalf. While the cost of filing SR-22 insurance varies by company, typically, it can cost anywhere from about $25 to $50 to file and submit SR-22 insurance form. You may also be required to pay fees associated with your violation.

Even if you don’t need SR22 insurance after a driving violation in Montana, there are still fees you may be required to pay related to your violation. If your Montana driver’s license was suspended or revoked, you may be required to pay a reinstatement fee. Typically, the reinstatement fee in Montana is $100 but could be more for more serious offenses, such as a DUI.

How car insurance rates are calculated

When searching and comparing car insurance quotes, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history (in some states)
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstanding when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How much car insurance do I need?

You certainly don’t want to be underinsured or uninsured while staring at a claim after a car accident or other damage to your car. But at the same time, there’s no sense in paying for more coverage than you need, right? So it begs the question: How much car insurance coverage do you actually need?

The answer, as frustrating as it may be, is it depends. For example, someone insuring a brand-new, leased car is likely required to purchase collision and comprehensive coverage, but for someone driving an older car that doesn’t have much value, it may not make sense to purchase optional coverage. Plus, states have different car insurance requirements. There are 12 no-fault states that require its drivers to purchase personal injury protection (PIP).

So when it comes to determining what car insurance coverage and limits you should purchase, it’s important to do your research. Talk with an insurance agent or your insurance company to determine what makes the most sense for your situation.

How to save money on your car insurance

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How we rank car insurance companies

Wondering how Clearsurance determines scores for insurance companies? Our algorithm analyzes a range of inputs from our community of unbiased insurance customers, including:

  • Cost
  • Customer Service
  • Overall Experience
  • Claim service
  • Purchasing experience
  • Likelihood to recommend

Guide to understanding car insurance

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our practical guide to understanding car insurance. Looking for more educational information about car insurance? Check out our blog for more information and topics related to car insurance.

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