SR22 Coverage Info
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Montana SR-22 & High-Risk Auto Insurance

Montana requires 25/50/20 liability coverage and is an at-fault state.

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Montana at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$100

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

These are the minimums needed to register a vehicle, but drivers with DUIs, uninsured accidents, or serious violations must also file SR-22 proof of financial responsibility for 3 years. Montana does not offer hardship licenses during suspension periods, making SR-22 compliance and continuous coverage mandatory for reinstatement.

Liability Insurance

Montana is a fault state, meaning you are financially responsible for damages if you caused the accident.

SR-22 Insurance

SR-22 is not a separate policy—it is a certification your insurer files with the Montana Motor Vehicle Division proving you carry at least 25/50/20 liability. If your policy lapses or cancels during the 3-year requirement, your insurer notifies the state and your license is suspended immediately.

Uninsured Motorist Coverage

Montana law requires insurers to offer uninsured/underinsured motorist coverage at the same limits as your liability policy, and you must decline it in writing. For high-risk drivers who have been in accidents, this coverage protects you if the at-fault driver has no insurance or insufficient limits.

Comprehensive & Collision

If you financed or leased your vehicle, the lender requires full coverage (comprehensive and collision) regardless of your driving record. Montana's weather—hail, ice, and animal collisions—makes comprehensive especially relevant for rural drivers.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles and are often the only option immediately following a DUI or suspension. These policies cost more upfront but accept drivers that standard insurers decline, and some offer rate reductions after 6–12 months of claims-free driving. Montana has fewer non-standard carriers than larger states, so comparison shopping is critical.

Cost Overview

$378/mo

Typical monthly rate in Montana, drivers with an SR-22 after a DUI

Rate data: ValuePenguin and NerdWallet, 2026

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If your license is suspended

Probationary Driver License (Restricted Probationary)

A restricted license is available while suspended.

A coverage lapse is reported

The state can act when your insurance lapses.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

Which insurance companies offer SR-22 in Montana?

Non-standard carriers that commonly write SR-22 policies in Montana include regional and national high-risk insurers, though specific carrier availability varies by county. Independent agents specializing in high-risk placement can access multiple non-standard markets. Standard carriers rarely accept SR-22 filings immediately after a DUI but may after 3–5 years of clean driving.

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Montana's 25/50/20 minimums are rarely sufficient for serious accidents, and high-risk drivers with court involvement often need higher limits to satisfy sentencing requirements.

SR-22 Insurance

Proof of financial responsibility filed with the state. The SR-22 certificate costs $15–$35 to file, but the underlying high-risk policy drives the total cost to $2,400–$5,200/year depending on your violation.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage if you are hit by a driver with no insurance or insufficient limits. Montana requires insurers to offer this at your liability limits, and you must decline it in writing.

Comprehensive Coverage

Covers non-collision damage: hail, theft, vandalism, fire, and animal strikes. Montana's rural roads and harsh winters make comprehensive critical, especially for drivers in areas with deer or elk populations.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident. Lenders require this if you finance, but high-risk drivers pay 50–100% more than standard profiles and face higher deductibles.

Non-Standard Auto Insurance

Specialized policies for drivers with DUIs, suspensions, or serious violations. These carriers accept higher risk in exchange for higher premiums, restrictive payment terms, and limited coverage options.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban