SR-22 After DUI
Get a Quote

Montana DUI SR-22 Insurance After Conviction

Montana requires SR-22 filing with 25/50/20 minimum liability coverage for 3 years after a DUI conviction. Average cost for DUI-SR-22 drivers runs $140–$220/mo, with rates varying by conviction class and whether aggravating factors were present.

Compare Montana Auto Insurance

Non-Standard Auto · SR-22 · Senior · Teen Drivers

Empty mountain highway through forested valley with misty clouds and overcast sky
Quotes from state-licensed insurance professionals
Licensed Agents Only
Free to request, no commitment required
No Obligation
No cost to you
Free to Use
Your contact information is protected
TCPA-Compliant

Updated April 2026

Minimum Coverage Requirements in Montana

Montana operates under a fault-based liability system, meaning the at-fault driver's insurance pays for damages. The Montana Motor Vehicle Division requires SR-22 filing within 15 days of license reinstatement for DUI convictions. Failure to maintain continuous SR-22 for the full 3-year period triggers automatic license suspension, and the clock restarts from the date you refile.

How Much Does Car Insurance Cost in Montana?

Montana DUI-SR-22 rates reflect both the conviction surcharge and the non-standard market placement most carriers require. Aggravated DUI convictions — high BAC over 0.16, injury, minor in vehicle, or property damage — typically add another 15–30% over standard first-offense DUI rates. Repeat offenders face even steeper increases and more limited carrier options.

Minimum Coverage
State-required 25/50/20 liability only. No collision or comprehensive. Covers legal minimums but leaves you exposed to out-of-pocket costs for your own vehicle damage or medical bills.
Standard Coverage
Liability at 50/100/50 limits plus collision and comprehensive with $500–$1,000 deductibles. Recommended for financed vehicles or drivers who can't afford to replace their car out of pocket.
Full Coverage
Higher liability limits at 100/300/100, lower deductibles, uninsured motorist, and medical payments coverage. Provides meaningful protection in a state where rural crashes often involve high transport costs and underinsured drivers.

What Affects Your Rate

  • Conviction class matters — first-offense standard DUI adds roughly 70–90% to base rates, while aggravated DUI with high BAC or injury can double or triple premiums.
  • SR-22 filing period starts on reinstatement date, not conviction date — drivers who delay reinstatement by months or years face the same 3-year SR-22 clock once they refile.
  • Non-standard market placement is nearly universal after DUI — carriers like Bristol West, Dairyland, GAINSCO, and Safe Auto write most Montana DUI-SR-22 policies, with limited competition in rural counties.
  • Montana zip code variation is significant — Billings and Missoula SR-22 rates run 10–20% higher than rural counties due to higher claim frequency and repair costs.
  • Vehicle type affects rates sharply in the non-standard market — older sedans with liability-only cost far less than financed trucks requiring full coverage.
  • IID requirement adds $70–$150/mo in device lease and monitoring costs on top of insurance premiums for drivers court-ordered to install ignition interlock.

Get SR-22 insurance quotes — most carriers file the same day

Compare rates from carriers that write SR-22 policies in your state. Coverage can start today.

Get Your Free Quote
✓ Same-Day SR-22 Filing✓ No Obligation✓ Licensed Carriers✓ All Violation Types

Compare Auto Insurance Rates in Montana

Coverage Types

Find Your City in Montana

Billings, Montana cityscape and street view

Billings

suburban
Missoula, Montana cityscape and street view

Missoula

suburban
Great Falls, Montana cityscape and street view

Great Falls

suburban
Dramatic mountain landscape with layered rock peaks, green valley, and evergreen trees under cloudy sky

Bozeman

urban
Aerial view of snow-covered residential neighborhood with houses and buildings in winter cityscape

Butte

urban

Sources

  • Montana Motor Vehicle Division — SR-22 filing requirements and reinstatement procedures
  • Montana Department of Justice — DUI penalties and conviction classifications
  • National Association of Insurance Commissioners — Auto Insurance Database Report

Frequently Asked Questions

Get Your Free Quote in Montana