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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

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

Minimum Coverage Requirements in Montana

Drivers convicted of DUI, caught driving without insurance, or who accumulate excessive violations typically receive an SR-22 requirement from the Montana Motor Vehicle Division. The state does not offer hardship permits for most suspended drivers, making SR-22 compliance the primary path to reinstatement.

Liability Insurance

Montana's 25/50/25 minimums are the floor for SR-22 filers, but a single at-fault accident can exceed these limits quickly.

SR-22 Insurance

SR-22 is a certificate of financial responsibility filed by your insurer directly with the Montana Motor Vehicle Division to prove continuous coverage. If your policy lapses during the required period, your insurer notifies the state within 24 hours and your license is suspended again, restarting the clock on reinstatement.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance to protect both your vehicle and financial liability.

Uninsured Motorist Coverage

High-risk drivers already paying elevated premiums should consider UM coverage at matching liability limits (25/50 minimum) to avoid out-of-pocket costs if hit by an uninsured driver.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles that standard insurers decline: multiple DUIs, suspended licenses, or lapses exceeding 90 days.

What Drivers Pay in Montana

$247–$268/mo

Typical monthly rate in Montana, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • SR-22 duration remaining: Drivers with 1 year left often qualify for better rates than new filers
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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Montana's 25/50/25 minimums are legally sufficient but financially inadequate for most at-fault accidents.

Full Coverage

Liability plus collision and comprehensive coverage. Required by lenders and recommended for vehicles worth more than $5,000.

SR-22 Insurance

A state-mandated filing proving continuous coverage. Filed by your insurer with the Montana Motor Vehicle Division and required after serious violations.

Non-Standard Auto Insurance

Specialized coverage for drivers declined by standard insurers due to DUI, suspended license, or lapses exceeding 90 days.

Uninsured Motorist Coverage

Protects you if hit by a driver without insurance. Not required in Montana but recommended given 8–10% uninsured driver rates.

Collision Coverage

Pays to repair your vehicle after an accident, regardless of fault. Required by lenders and optional otherwise.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban