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Montana SR-22 & High-Risk Auto Insurance

Montana requires SR-22 filing for DUI convictions, suspended licenses, and uninsured accidents. The requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $2,400–$4,800 annually depending on violation type. Drivers with points from speeding tickets or at-fault accidents can recover lower rates without SR-22 filing.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 2026

State Requirements

Montana requires minimum liability coverage of 25/50/20: $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. 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.

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25/50/20
Liability Insurance
Montana's 25/50/20 minimum is the floor for legal operation. High-risk drivers face higher premiums on these same limits—often double or triple standard rates—because insurers price in the elevated probability of future claims. For drivers with one DUI or major violation, minimum liability in Montana typically costs $150–$350 monthly compared to $80–$120 for clean records.
25/50/20 minimum
SR-22 Insurance
SR-22 is not separate insurance but a certificate filed by your insurer proving you carry at least Montana's minimum liability limits. It's required for DUI offenses, accumulating 30 points within 36 months, driving uninsured, and certain license reinstatements. The filing itself costs $15–$35, but the underlying high-risk policy drives total costs to $2,400–$4,800 annually.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines liability, collision, and comprehensive and is required by lenders for financed vehicles. High-risk drivers in Montana pay $250–$500 monthly for full coverage depending on violation type and vehicle value. Drivers recovering from a DUI or at-fault accident should compare non-standard carriers who specialize in high-risk full coverage, as rate spreads between carriers widen significantly after violations.
Not required but offered
Uninsured Motorist Coverage
Montana does not mandate uninsured motorist coverage, but insurers must offer it. For high-risk drivers, adding UM coverage typically increases premiums by $10–$25 monthly. Given that approximately 7% of Montana drivers are uninsured, this coverage protects you if an at-fault driver lacks insurance—especially relevant if you're already recovering financially from a previous violation.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in insuring drivers with DUIs, suspensions, lapses, or multiple violations. In Montana, non-standard policies cost $200–$400 monthly but provide the coverage necessary to reinstate a license or maintain SR-22 compliance. These carriers accept risk that standard insurers decline, making them essential for drivers in the first 1–3 years after a major violation.
State-Mandated Minimum Coverage · Montana

Montana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Montana quote.

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Cost Overview

High-risk auto insurance premiums in Montana are driven by violation type, time since the offense, and carrier underwriting guidelines. Drivers with a DUI pay the highest premiums—often 2.5–3.5 times the standard rate—while those with speeding tickets or at-fault accidents see increases of 20–60%. Rates decline as violations age off your record, with the steepest drops occurring after the first year and again when points fully expire at 3 years.

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
  • SR-22 filing requirement: Adds $15–$35 filing cost and restricts carrier options to those offering SR-22 in Montana
  • 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
  • Non-standard vs. standard market: Drivers who can access standard carriers after 1–2 years pay 30–50% less than those in the non-standard market
Minimum Liability (High-Risk)
$150–$350/mo
Montana's 25/50/20 minimum liability for drivers with DUI, suspended license, or SR-22 requirement. Lowest legal coverage but still priced at high-risk rates.
Standard Liability + UM (High-Risk)
$180–$400/mo
Minimum liability plus uninsured motorist coverage. Recommended for high-risk drivers who own their vehicle outright and want protection from uninsured drivers without paying for full coverage.
Full Coverage (High-Risk)
$250–$500/mo
Liability, collision, and comprehensive for financed vehicles or drivers who need maximum protection. Highest cost tier but necessary for lenders and valuable vehicles.

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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.

Find Your City in Montana

Billings, Montana cityscape and street view

Billings

suburban
Missoula, Montana cityscape and street view

Missoula

suburban
Great Falls, Montana cityscape and street view

Great Falls

suburban
Dramatic mountain landscape with layered rock peaks, green valley, and evergreen trees under cloudy sky

Bozeman

urban
Aerial view of snow-covered residential neighborhood with houses and buildings in winter cityscape

Butte

urban

Frequently Asked Questions

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