Auto Insurance with an SR-22 in Montana

If you need an SR-22 certificate to obtain auto insurance in Montana, you're not the only one. This relatively standard requirement is sometimes necessary after a driving violation like a DUI, a citation for driving with no insurance, an at-fault crash, driving with a suspended license, or amassing too many points on your license.

Finding cheap insurance with a SR-22 in Montana might require some research, but it could pay off in the end. The Zebra examined how much a SR-22 usually costs in Montana and how to request one — let’s dive in.

How much does an SR-22 cost in Montana?

Car insurance with an SR-22 in Montana is usually expensive. This isn't a direct cost of the certificate — filing fees might be just $15 to $35 — but a product of the insurance premium increases triggered by the violation that prompted the SR-22.

Auto insurance companies charge high-risk drivers more expensive rates to account for the heightened risk of claims payouts via collisions. The rate increase you could face will depend on the frequency and severity of your citations — listed below are average auto insurance prices after an SR-22 in Montana.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,534
At-fault crash (>$2,000)$2,269$735
Speeding (21-25 mph > limit)$1,999$465
Reckless driving$2,359$824

If you're seeking inexpensive car insurance after getting a SR-22 certificate, we are ready to help. Enter your ZIP code below to find personalized auto insurance quotes from top insurers.

Requesting an SR-22 in Montana

Currently insured?

If you currently have auto insurance, getting an SR-22 certificate might be easy. Just call your insurance company request they file a SR-22 request on your behalf. If your insurance company won't file for an SR-22, you should start the car insurance comparison shopping process.


When filing for a new policy, you might be saddled with an up-front fee to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 might prevent you from purchasing insurance from some companies, while others may happily sell you a policy.

Don't own a vehicle?

Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

If you don't own your vehicle, it's even more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, you should apply for a non-owners policy before asking for an SR-22. A non-owners policy is often less pricey than a standard policy since it doesn't cover physical damage sustained by your vehicle.

Our methodology

The Zebra performed auto insurance rate analysis via its proprietary quote engine, including data from insurance rating platforms and public rate filings. The Zebra surveyed nearly 53 million rates to examine trends for specific auto insurance rating factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and their impact on car insurance rates.

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.