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
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
SR-22 certification is mandated for DUI convictions, license suspensions for accumulating excessive points, driving without insurance, and certain repeat violations. Drivers with points from standard violations like speeding tickets or at-fault accidents typically do not need SR-22 unless their license is suspended. Montana operates on a point system where 30 points in 36 months triggers license suspension.
Liability Insurance
SR-22 Insurance
Full Coverage
Uninsured Motorist Coverage
Non-Standard Auto Insurance
Cost Overview
$247–$268/mo
Typical monthly rate in Montana, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Type of violation: DUI convictions increase premiums more than speeding tickets or at-fault accidents
- Time since offense: Rates drop significantly after the first year and again when violations age off at 3 years
- Age and driving history: Younger drivers with violations face steeper increases than drivers over 25 with otherwise clean records
- Location: Urban areas like Billings and Missoula see higher premiums than rural counties due to accident frequency and repair costs
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Montana?
Montana requires SR-22 filing for 3 years from the date of license reinstatement or conviction. Any lapse in coverage during this period resets the 3-year clock and suspends your license immediately. Continuous coverage is essential to satisfy the requirement and avoid extensions.
Do I need SR-22 for a speeding ticket in Montana?
No, a single speeding ticket does not trigger SR-22 in Montana. SR-22 is required for DUI convictions, driving without insurance, accumulating 30 or more points in 36 months, or license suspensions. Standard speeding tickets add points to your record and increase premiums but do not require SR-22 filing unless they contribute to a suspension.
How long do points stay on my license in Montana?
Points remain on your Montana driving record for 3 years from the date of conviction. Once points age off, your premiums typically drop, though major violations like DUI affect rates for 3–5 years even after points expire. License suspension occurs if you accumulate 30 or more points within 36 months.
What happens if my SR-22 insurance lapses in Montana?
If your SR-22 policy lapses or is canceled, your insurer notifies the Montana MVD immediately, and your license is suspended. The 3-year SR-22 clock resets from the date you reinstate coverage and your license, potentially adding 6–12 months or more to your total requirement period. Continuous coverage is non-negotiable.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Montana's 25/50/20 minimum may not cover a serious accident, leaving you personally liable for the difference.
SR-22 Insurance
Certificate filed by your insurer proving you carry Montana's minimum liability. Required for DUI, license suspension, or 30+ points in 36 months.
Full Coverage
Combines liability, collision, and comprehensive. Required by lenders and recommended for newer or financed vehicles.
Uninsured Motorist Coverage
Protects you if you're hit by an uninsured or underinsured driver. Not required in Montana but offered by all carriers.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, lapses, suspensions, or multiple violations. Non-standard carriers accept risk that standard insurers decline.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, regardless of who caused it.