SR-22 Insurance in Montana
Numbers refreshed
The state fee, who needs a filing in Montana and how long it lasts.
- The form the state asks for: certificate of insurance (MCA 61-6-133).
- Minimum liability limits: 25/50/20.
- 37th of 51.The most expensive state (1st = highest).
Montana SR-22 rules
After a serious offense, Montana asks for this filing: a certificate of insurance (MCA 61-6-133).
Once the Montana department takes away a license, that person can't get it back until they file a certificate of insurance showing financial responsibility.
| Rule | Montana |
|---|---|
| Form | certificate of insurance (MCA 61-6-133) |
| Liability it must prove | 25/50/20 |
Source: Montana Code 61-6-133, Certificate of Insurance as Proof; Montana Code 61-6-131, When Proof of Financial Responsibility Is Required.
How it changes your price
The filing costs little; what raises your premium is the offense behind it.
In state rate guides we use, an accident you're at fault for raises the price about 1.5 times.
With a Montana liability average of $530, the figure comes to about $795 a year.
Steps to get one
- Not every company files this for you, so ask your insurer to submit the form to the state.
- Don't own a car? A non-owner policy can carry this filing.
- Keep paying for the policy. A lapse gets reported to the state, and it can restart the clock.
First written