Traffic Violation Insurance
Get a Quote
A paved road curves along a hillside above a lake with mountains and cloudy sky in the background, with purple and yellow wildflowers growing on rocks in the foreground.

Montana SR-22 & High-Risk Auto Insurance

Montana requires 25/50/20 liability coverage and is an at-fault state.

Find Coverage After a Traffic Violation

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 with DUI convictions, license suspensions for accumulating too many points, uninsured accidents, or repeat violations typically must file SR-22 proof of insurance with the Montana Motor Vehicle Division for 3 years. High-risk drivers often need coverage above state minimums to satisfy SR-22 requirements and secure affordable reinstatement.

Liability Insurance

Montana's minimum liability limits of 25/50/25 are the legal floor for all drivers. SR-22 filers must maintain continuous coverage at or above these limits for the entire filing period—any lapse resets the 3-year clock. These minimums may leave you financially exposed in serious accidents, especially given Montana's rural roads and higher-speed collision risk.

SR-22 Insurance

SR-22 is not a separate insurance policy—it's a certificate your insurer files with the Montana Motor Vehicle Division proving you carry at least the state minimum liability coverage. Not all carriers offer SR-22 filing in Montana, so you'll likely need a non-standard insurer.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers and typically offer SR-22 filing when preferred insurers decline coverage. Montana's sparse population means fewer local carriers write high-risk policies, so comparing quotes is critical.

Uninsured Motorist Coverage

Full Coverage

Full coverage combines state-required liability with comprehensive and collision protection for your own vehicle. If you're financing or leasing, lenders require full coverage even during an SR-22 period.

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

  • Driving record prior to violation—a single DUI with an otherwise clean 5-year history qualifies for lower surcharges than a DUI combined with speeding tickets or prior suspensions
A woman in a tan jacket, jeans and heeled ankle boots walks across a parking lot at night carrying a shoulder bag and keys, with parked cars and lit street lamps behind her.

See Who Will Insure You After a Ticket

Find Coverage After a Traffic Violation

Coverage Types

SR-22 Insurance

SR-22 is a certificate your insurer files with Montana proving you carry at least minimum liability coverage. Required for DUI convictions, suspensions, and uninsured accidents—any lapse resets the 3-year clock.

Non-Standard Auto Insurance

Coverage from insurers specializing in high-risk drivers. Typically the only option after a DUI or suspension when preferred carriers decline to renew or write new policies.

Liability Insurance

Covers injuries and property damage you cause to others. Montana's 25/50/25 minimums are low—serious accidents easily exceed these limits, especially on rural highways with higher fatality rates.

Full Coverage

Combines liability, collision, and comprehensive coverage. Required by lenders if you're financing or leasing, and recommended if your vehicle value exceeds $5,000.

Uninsured Motorist Coverage

Protects you if an uninsured or underinsured driver causes an accident. Not required in Montana, but approximately 9% of drivers lack insurance.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused it. Sold with a deductible, typically $500–$1,000.

Find Your City in Montana

Billings

suburban

Missoula

suburban

Great Falls

suburban

Bozeman

urban

Butte

urban