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Montana SR-22 Insurance After Filing Ends

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

The state mandates SR-22 filing for DUI convictions, driving without insurance, license suspensions, and at-fault accidents without coverage. Drivers exiting SR-22 status remain high-risk in carrier underwriting systems for several years, making minimum coverage insufficient for rate shopping effectiveness.

Liability Insurance

Montana's minimum 25/50/20 liability requirement applies throughout and after the SR-22 period. Post-SR22 drivers shopping only minimum coverage receive fewer competitive quotes, as many standard carriers require higher limits to consider recently high-risk profiles. Carriers in Montana typically offer better rates to post-SR22 drivers who select 50/100/50 or higher, as higher limits signal improved risk management to underwriters.

Full Coverage

Lienholders require full coverage regardless of SR-22 status, and many carriers reserve their lowest post-SR22 rates for drivers who maintain comprehensive and collision rather than dropping to liability-only. Montana's rural roads and wildlife collision frequency make comprehensive particularly relevant for rate stability.

Uninsured Motorist Coverage

Montana does not mandate uninsured motorist coverage, but it's offered with every liability policy and can be declined in writing. Post-SR22 drivers benefit from UM/UIM coverage because a second at-fault accident or uninsured claim during the rate recovery period can reset rate recovery timelines by 2–3 years. Montana's rural areas have higher uninsured driver rates than urban centers, increasing exposure.

Comprehensive Coverage

Comprehensive coverage protects against non-collision losses including wildlife strikes, hail, and theft. Montana ranks among the highest states for animal collision claims, with deer and elk strikes common on rural highways.

SR-22 Insurance

SR-22 is a certificate filed by insurers to the Montana Motor Vehicle Division confirming continuous coverage.

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

  • Original violation type — DUI typically adds 3–5 years recovery time compared to license suspension
  • Credit-based insurance score improvement during SR-22 period — Montana allows credit rating in underwriting
  • Geographic location — Billings and Great Falls offer more carrier competition than rural counties
  • Coverage selection during recovery — maintaining full coverage signals stability and attracts better standard carrier rates
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Shop Again Now That Your Filing Has Ended

Compare Rates 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 bodily injury and property damage you cause to others. Montana's 25/50/20 minimum is the legal floor, but post-SR22 drivers shopping higher limits (50/100/50 or 100/300/100) receive more competitive standard carrier quotes.

Full Coverage

Combines liability, comprehensive, and collision coverage. Post-SR22 drivers with full coverage typically see standard carriers enter competitive bidding 6–12 months earlier than liability-only shoppers.

Uninsured Motorist Coverage

Protects you when hit by a driver without insurance or with insufficient coverage. Not required in Montana but offered with every policy and declinable in writing.

Comprehensive Coverage

Covers non-collision damage including theft, vandalism, weather, and animal strikes. Montana drivers file comprehensive claims at rates 30–50% above the national average due to wildlife density.

Collision Coverage

Pays for damage to your vehicle in an at-fault accident or single-vehicle crash. Required by lienholders and often bundled with comprehensive for better rates.

SR-22 Filing

A certificate proving continuous insurance, filed by your carrier to the Montana Motor Vehicle Division. Required for 3 years following DUI, uninsured driving, or license suspension.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban