Cheap SR22 Montana Auto Insurance

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Some drivers may be required by law in Montana prove their financial responsibility following a license suspension or revocation. This can be proven by filing an SR-22 certificate of insurance with the state Motor Vehicle Division.

The suspension of a license within the state is usually preceded by certain traffic and driving violations and these violations also call for the filing of an SR-22 form with the state. Due to the classification of Montana as an at-fault state, whichever driver is legally proven to be at fault for an accident is required by law to cover all costs accruing from the accident. Other than accidents, the following situations can result in having to file an SR-22:

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Drivers Who Need Montana SR22 Insurance

Reckless Driving

DUI/DWI violation

Driving Uninsured

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  • A conviction for driving under the influence
  • A conviction for driving while intoxicated
  • A conviction for driving on a suspended license
  • A conviction for driving without a valid auto insurance policy.

In Montana, failing to file the required SR-22 form and driving without insurance could also result in the following penalties:

  • For a first offense, a fine of between $250 and $500 along with up to ten days in jail.
  • A minimum of $350 or ten days in jail for a second offender. In addition, the driver’s license would be revoked for ninety days and five points would be added to his or her driving record.
  • A third offender could be punished with up to $500 in fines, receive up to six months jail time or face both the maximum fine and jail time.

Cost of an SR-22 policy in Montana

The real financial impact of an SR-22 lies in its effect on the insurance premium and not on the cost of filing. The cost of filing would vary from provider to provider but is unlikely to exceed $100. The insurance premiums payable by a driver in Montana, however, increases after the filing of the form.

This increase in the cost of insurance is due to the implicit classification of a driver as high risk by the filing. This high risk status thus encourages insurance policy providers to require higher premiums to account for the legally recognized, riskier driver. That being said, the average cost of SR-22 insurance in Montana is about $3,427 or $286 per month.

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Cheap SR22 Car Insurance Montana

Types of SR-22 forms available in Montana

Depending on the situation, there are three types of SR-22 auto insurance forms that can be filed for in Montana. They are:

  • The operator’s certificate. This is filed by drivers who are required to file an SR-22 but do not own cars. The form is appropriate for individuals who have access to cars they can operate but do not own a car of their own.
  • The owner’s certificate. This is filed by drivers who possess their own personal vehicles.
  • The operator-owner’s certificate. This is required to be filed by individuals who own their cars but might have reason to drive other cars not belonging to them.

What to do if you have no car or license

If you have committed an offence worthy of an SR-22 filing in Montana but have no car, you would still be required to file the form with the state. Failing to do so and driving on the streets of Montana would be illegal and would attract severe penalties from the state.

In a similar vein, if you have no license but are required to file the SR-22 form, until the filing of the form your license request would not be approved and a suspended or revoked license would not be reinstated.

How to file for an SR-22 in Montana

The filing of an SR-22 form in Montana is to be carried out by a licensed insurance provider. All you have to do is find an insurance provider that offers the services you need and meets your liking. A filing fee is to be paid for the services of the provider and you are to purchase a policy meeting the requirements of the state before the filing can be completed. The requirements to be met are:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $20,000 property damage coverage.

The form is to be sent to the Secretary of State within 30 days of the filing notice.

If you are from another state or are moving to another state

If you have an SR-22 in another state but need to drive in Montana, your SR-22 in the other state must be maintained and you must check to ensure that your liability coverage meets the requirements of the state of Montana. The same applies if you have an SR-22 in Montana but wish to move to another state.

Maintaining an SR-22 form in Montana

The duration of time for which an SR-22 filing must be maintained in Montana is to be determined by the court and would be communicated to individuals along with the need for filing. Factors such as the number of past offences on your record and the severity of the current charge would influence the duration of your required mandate.

What to do if the SR-22 lapses

In the event that your SR-22 insurance coverage lapses or is cancelled during your mandated period of maintenance, your license would be suspended again. Along with this, your duration of maintenance might be reset and additional penalties may be awarded by the state.

How to go about cancelling my filing when I no longer need SR-22 coverage

Upon the completion of your mandate, you can contact the state to verify if your time has been completed. Once confirmed, your insurance provider can be contacted to cancel the filing and make the necessary adjustments to your insurance rates.


Frequently Asked Questions (FAQ)

  • How much is an SR-22 per month?
  • The average cost of SR-22 insurance in Montana is about $3,427 or $286 per month. This increase in the cost of insurance is due to the implicit classification of a driver as high risk by the filing. This high risk status thus encourages insurance policy providers to require higher premiums to account for the legally recognized, riskier driver. That being said, it is obviously possible to still purchase a valid SR-22 insurance policy in Montana at a lesser rate.

    SR22 insurance

  • How do I get rid of an SR-22?
  • After the completion of the mandated filing period with the state of Montana, a driver can legally get rid of the SR-22 filing. The safest way to go about this would be to first confirm with the state that the filing period is over before directing your insurance provider to cancel the filing on your behalf. Cancellation of the filing typically results in a favorable adjustment of your insurance rates.

    For specific information pertaining to another state in question, please refer to the respective state guides that are more in-depth.

  • Why is SR-22 so expensive?
  • The expensive nature of an SR-22 filing is due to the fact that being in a position where one needs the filing implicitly classifies a driver as high risk and this classification is taken into consideration during the determination of insurance rates by insurance providers.

  • Do I need an SR-22 if I don’t drive?
  • If an SR-22 is required of you by the state of Montana, you must file the form. If you don’t drive, you would still be required to file the form if you ever hope to legally drive within the state again.

  • Do I need SR-22 and regular insurance?
  • An SR-22 and regular insurance are needed in Montana. This is because the SR-22 filed with the state is simply a documented proof sent to the state by your provider that an offending driver has an insurance policy that meets the minimum requirements for financial responsibility within the state. 

  • What happens if you don’t get SR-22 insurance?
  • In the event that you are required to file an SR-22 with the state and you fail to do so, your driving privileges would not be reinstated until you do so. If your driving privileges have not been revoked, they would be and this would make driving within the state unlawful for you.

  • Can you rent a car if you have SR-22
  • Yes, you can but it would be good to also inquire at the rental company to avoid any misunderstanding later on.

  • Does SR-22 cover any car I drive?
  • It can but you have to possess the right SR-22 certification and insurance policy for it to be so.

  • Can you get an SR-22 with a suspended license?
  • Yes. This is so because the SR-22 would most likely be required to reinstate the license and, as such, would have to be filed with the state first.

  • Do I need SR-22 and regular insurance in Montana?
  • An SR-22 and regular insurance are needed in Montana. This is because the SR-22 filed with the state is simply a documented proof sent to the state by your provider that an offending driver has an insurance policy that meets the minimum requirements for financial responsibility within the state.  Related: Buy Car Insurance Online

  • Can I file my own SR-22 in Montana?
  • In Montana, an SR-22 filing is to be done by an insurance provider or agent on behalf of an offender.

  • How do I show proof of SR-22 in Montana?
  • To show proof of SR-22 in Montana, you would require documentation from a licensed insurance provider showing your insurance policy with proof of the mandated liability coverage and the SR-22 filing. Related: Cheap car insurance low down payment