Non-Owner SR-22 Insurance in Montana
Montana requires 25/50/20 liability coverage and is an at-fault state.
Get My Non-Owner SR-22 QuoteMontana 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
$100
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Montana
Montana operates under a tort liability system, meaning the at-fault driver's insurance pays for damages in an accident. The state requires all drivers to carry proof of financial responsibility, satisfied either through an insurance policy meeting minimum liability limits or a posted bond. SR-22 filing is required after license suspension events including DUI, uninsured driving violations, multiple at-fault accidents, or excessive points accumulation.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Montana
$184–$378/mo
Typical monthly rate in Montana, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Credit-based insurance scores influence non-owner SR-22 rates in Montana — poor credit can double the base premium.
Cover Your Filing Before You Own a Car Again
Get My Non-Owner SR-22 QuoteIf your license is suspended
Probationary Driver License (Restricted Probationary)
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get SR-22 insurance in Montana without owning a car?
Yes. Non-owner SR-22 policies satisfy Montana's filing requirement without listing a specific vehicle. The policy provides liability coverage when you drive vehicles you don't own with permission, and the carrier files Form SR-22 electronically with the Montana Motor Vehicle Division on your behalf.
How long do I need to maintain SR-22 filing in Montana?
Montana requires SR-22 filing for 3 years from the date of conviction or license reinstatement, depending on the underlying violation. If your policy lapses at any point during the 3-year period, the carrier files an SR-26 cancellation notice and your license suspends automatically within 10 days.
What happens if I buy a car while on a non-owner SR-22 policy in Montana?
You must convert to a standard owner SR-22 policy or stack coverage. Non-owner policies explicitly exclude coverage for vehicles you own, so driving a vehicle you purchase under a non-owner policy leaves you uninsured. Contact your carrier immediately when you acquire a vehicle to avoid a lapse that triggers license re-suspension.
Does Montana accept out-of-state SR-22 filing if I move?
No. Montana requires SR-22 filing through a Montana-licensed carrier. If you move to Montana with an active SR-22 requirement from another state, you must establish Montana residency, obtain a Montana driver license, and file SR-22 through a Montana carrier within 30 days to avoid suspension.
Which insurance companies write non-owner SR-22 in Montana?
Progressive, The General, and National General commonly write non-owner SR-22 policies in Montana. Availability varies by city — Billings and Missoula have broader carrier options than rural counties, where only 2-3 non-standard carriers may write the coverage.
What does non-owner SR-22 insurance NOT cover in Montana?
Non-owner SR-22 does not cover vehicles you own, vehicles registered to you, or vehicles available for your regular use (a household vehicle, for example). It does not include comprehensive or collision coverage. It covers only your liability when driving someone else's vehicle with permission, and it provides secondary coverage if the vehicle owner's policy pays first.
Coverage Types
Non-Owner SR-22 Insurance
Liability-only policy with SR-22 filing attached. Covers you when driving vehicles you don't own. Satisfies Montana's 3-year filing requirement without owning a car.
Liability-Only Coverage
Minimum bodily injury and property damage coverage required by Montana law. Pays claims against you when you cause an accident while driving a borrowed vehicle.
Uninsured Motorist Coverage
Pays your medical bills and lost wages if you're hit by a driver with no insurance or insufficient coverage. Not required in Montana but included in most non-owner policies automatically unless rejected in writing.
High-Risk Auto Insurance
Policies written by carriers specializing in drivers with violations, suspensions, or SR-22 filing requirements. Most non-owner SR-22 policies fall into this category.