Montana SR-22 Insurance (Rules + Rates)

Montana SR-22 insurance averages $286 per month. SR-22 insurance is required for drivers who are high-risk, usually due to moving violations, as proof of coverage financial responsibility

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UPDATED: Jun 23, 2020

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SR-22 insurance in Montana is $3,427 per year or $286 per month. SR-22 insurance costs can be more expensive from different car insurance companies. Read through this guide to get more information on Montana SR-22 insurance.

Start comparing Montana SR-22 insurance with car insurance in your local area by entering your ZIP code in the FREE comparison tool!

What is Montana SR-22 Insurance?

Montana SR-22 car insurance is one way the state of Montana is able to keep track of drivers that have not continuously proven financial responsibility by having car insurance. It is also required for “high-risk” drivers.

Who Needs SR-22 Insurance in Montana?

Any driver that has had a lapse in their car insurance policy will be required to keep a Montana SR-22 car insurance form on file with the State for three years. In addition, any driver that has received a DUI offense or has had their license suspended for too many moving violations will also be required to carry Montana SR-22 auto insurance.

Let’s look at the average annual rates from the top car insurance companies in Montana based on driving records.

Average Annual Rates by Driving Record
CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUI
Liberty Mutual$904$1,260$1,571$1,571
USAA$1,531$1,868$1,902$2,827
State Farm$2,256$2,418$2,580$2,418
Geico$2,316$2,767$3,665$5,662
Nationwide$2,526$3,051$3,638$4,698
Farmers$3,434$3,434$4,437$4,326
Progressive$3,740$4,147$4,820$4,616
Allstate$3,925$4,485$4,642$5,635
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USAA is usually the cheapest car insurance company, but Liberty Mutual has taken the place as the cheapest car insurance company in Montana. Under Montana SR-22 insurance, you can pay up to $5,700 per year for car insurance.

How much does Montana SR-22 insurance cost a month?

Based on the information in the previous section, Montana SR-22 insurance can cost up to $475 per month. That’s based on car insurance rates from the biggest car insurance companies in Montana. On average, you can pay $268 per month.

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Are There Different Types of Montana SR-22 Forms?

There are three different Montana SR-22 auto insurance forms that can be filed. One is the Operator’s Certificate. This is filed when a driver does not own a motor vehicle. The second type is filed when the driver does own a vehicle; this is the Owner’s Certificate. If the driver owns more than one vehicle the Operator-Owner’s Certificate is used.

Is SR-22 Insurance Required in Montana?

The simple answer is yes. If a driver falls into one of the categories that require it, then they must file. The minimum insurance requirement is $25,000 for one person’s injuries, $50,000 for two or more persons injured, and $10,000 for property damage.

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How Do I File a Montana SR-22 Insurance Form?

To file an SR-22 in the state of Montana you will need to request one from your insurance company. They will charge as an additional fee to your insurance policy and send the form to the Secretary of State within 30 days. To get a free quote on the fee for a Montana SR-22 insurance enter your information.

Do I need an SR-22 in Montana to reinstate my license?

Yes. You will need to have Montana SR-22 insurance to reinstate your license. This could be one of the conditions for reinstating a suspended license. Expect this from the state law if you’ve been convicted of a DUI or if you’ve been multiple accidents.

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Montana SR-22 Insurance FAQs

For the final section of this guide, we’ll cover frequently asked questions you see in search engines across the web. In addition to things people ask about Montana SR-22 insurance, we’ll cover other related searches.

You can skip these questions and enter your ZIP code to start comparing Montana SR-22 insurance using our FREE comparison tool below!

What is SR-22 Insurance?

SR-22 is a certificate of insurance that proves you carry car insurance as a high-risk driver. SR-22 car insurance is more expensive than voluntary car insurance. Out-of-state SR-22 drivers should alert the DMV if they plan to change residency to avoid any penalties.

Does Allstate offer SR-22 insurance?

Yes. Allstate offers car insurance for high-risk drivers even if you are required to carry an SR-22 form.

Is motorcycle insurance required in Montana?

No. Motorcycle insurance is not required in the state of Montana. You can get motorcycle insurance as long as it meets the minimum insurance requirements for vehicles.

Can I get my license back without SR-22?

No. One of the conditions to getting your license reinstated is getting SR-22 insurance. The car insurance companies and state government will need proof that you’re doing your due diligence to respond appropriately to violations you’ve committed as a motorist.

What is Serenity Insurance?

Serenity Insurance is a car insurance company located in Spokane, Washington with a 3.6 rating on Google Reviews.

References:

  1. http://leg.mt.gov/content/Publications/Audit/Report/05P-06.pdf
  2. https://dojmt.gov/driving/driver-license-sanctions/

 

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