After SR-22 Insurance
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Montana SR-22 Insurance After Violations

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

Minimum Coverage Requirements in Montana

Drivers with DUI convictions, suspended licenses due to excessive points, uninsured accidents, or multiple at-fault violations typically face SR-22 filing requirements. The Montana Motor Vehicle Division tracks SR-22 compliance electronically, and any lapse triggers immediate license suspension. Once your SR-22 period ends, you can transition back to standard carriers, though your violation remains on your driving record for 3–5 years depending on severity.

Liability Insurance

Montana's 25/50/20 minimums are the legal floor, but they're insufficient for most high-risk drivers. Drivers completing SR-22 requirements should carry at least 50/100/50 to demonstrate financial responsibility and improve their appeal to standard carriers when the filing period ends.

SR-22 Insurance

SR-22 is not a separate policy—it's a certificate your insurer files with the Montana Motor Vehicle Division proving you carry continuous liability coverage. During your 3-year requirement, any gap in coverage—even one day—results in automatic license suspension and restarts the clock.

Uninsured Motorist Coverage

For post-SR22 drivers, uninsured motorist coverage (typically matching your liability limits) protects you if an uninsured driver causes an accident, preventing another at-fault claim that could restart your rate recovery timeline.

Comprehensive Coverage

Comprehensive covers non-collision damage: hail (common across Montana's eastern plains), deer strikes, theft, and vandalism. If you're financing a vehicle during or after your SR-22 period, lenders require comprehensive coverage. Even if not required, it's worth considering—Montana's rural highways and wildlife crossings create higher-than-average comprehensive claim frequency, and a deer strike won't count against your driving record.

Full Coverage

Full coverage combines liability, comprehensive, and collision—the standard package for financed vehicles or drivers protecting assets. Post-SR22 drivers benefit from shopping full coverage at requirement end: standard carriers often offer competitive full coverage rates to win your business, even if your violation is still on record. Rates normalize faster when bundling all coverages with one carrier.

What Drivers Pay in Montana

$184–$378/mo

Typical monthly rate in Montana, high-risk drivers after a DUI

Rate data: ValuePenguin and Insurify, 2026

What Affects Your Rate

  • SR-22 compliance history—a clean 3-year SR-22 period with no lapses qualifies you for standard carrier consideration
  • Credit score—Montana allows credit-based insurance scoring, which significantly impacts post-SR22 rates for drivers rebuilding
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Your SR-22 Is Over. Your Rate Should Drop Too

Find Affordable Coverage After SR-22

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

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Required by law and the foundation of your SR-22 certificate.

SR-22 Insurance

Certificate proving continuous coverage filed with the Montana MVD. Required for 3 years after DUI, suspended license, or uninsured accident.

Full Coverage

Combines liability, comprehensive, and collision. Protects your vehicle and others—standard for financed cars.

Uninsured Motorist Coverage

Pays your medical bills and lost wages if an uninsured driver hits you. Not required in Montana but highly recommended.

Comprehensive Coverage

Covers non-collision damage: hail, theft, vandalism, fire, and animal strikes. Required by lenders on financed vehicles.

Non-Standard Auto Insurance

Coverage designed for drivers with violations, lapses, or SR-22 requirements. Higher premiums but accepts high-risk profiles standard carriers decline.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban