Auto Insurance with an SR-22 in Montana

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Montana, you're not the only one. This relatively standard insurance requirement is sometimes requested after a citation like a DUI conviction, a ticket for driving without proof of insurance, an at-fault collision with substantial property damage, a citation for driving with a suspended license, or accruing too many points on your license.

Getting cheap insurance with an SR-22 in Montana might not be easy, but it never hurts to try. We explored how much a Montana SR-22 usually costs and how to easily get one — let's take a look.

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How much is Montana SR-22 insurance?

Car insurance with an SR-22 in Montana is usually expensive. This isn't a direct result of the SR-22 — typical filing fees run just $15 to $35 — but thanks to the insurance rate increases from the issue that necessitated the SR-22 to begin with.

Insurance companies charge higher-risk clients more to account for the increased risk of having to pay out a claim after a crash. The rate increase you will receive may depend on the severity and number of the citations — below are average auto insurance rates for drivers with SR-22s in Montana.

High-risk rating factorAverage annual rateIncrease vs. no violations
No violations$1,614.75
At-fault crash (>$2,000)$2,093.00$478.25
Speeding (21-25 mph > limit)$1,954.28$339.53
Reckless driving$2,296.97$682.22
Hit and run$1,963.99$349.24

If you are trying to find affordable auto insurance coverage with a SR-22, The Zebra is ready to help. Enter your ZIP code below to get personalized car insurance quotes from leading insurers.

How to easily get an SR-22 in Montana

Currently insured:

If you currently have auto insurance, getting an SR-22 is easy. Contact your insurance company and request it file a SR-22 request on your behalf. If your current car insurance company refuses to file for an SR-22, you'll need to look for a new insurance company.

For uninsured drivers:

When filing for car insurance, you might face an additional fee for the prospective insurer to file an SR-22 request form and to cover your more risky driving profile. An SR-22 requirement may prevent you from buying insurance from some carriers, while others may happily sell you a policy.

For drivers without a vehicle:

Not owning a vehicle makes it tougher to obtain an SR-22, as you'll need proof of insurance to get the certificate. If you don't own a car, you should get a non-owners auto insurance policy before filing an SR-22 request. Non-owners car insurance is usually cheaper than a traditional policy since it won’t provide protection for physical damage to your car.


Between September and December 2017, The Zebra performed car insurance price analysis through its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra analyzed almost 53 million rates to explore trends for specific auto insurance rating factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.