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Montana SR22 Insurance

What is an SR22?

An SR22 is a form you file with your auto insurance company that proves to the state that you possess the proper insurance as a driver. In Montana, you may be required to file an SR22 if your license is suspended following a major traffic violation conviction. Some of those violations include:

  • Driving under the influence (DUI)
  • Driving without proper insurance
  • Reckless driving
  • Other major traffic violations

How Long Must You Maintain an SR22 in Montana?

In most cases, an SR22 must be maintained with your auto insurance company for three years. Failure to do so can result in penalties affecting your driving privileges.

Mandatory Minimum Liability Insurance Coverage in Montana

As previously mentioned, Montana drivers are required to maintain the mandatory minimum liability insurance. Those minimums are as outlined:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more persons
  • $20,000 for property damage

Failure to carry this minimum liability coverage can result in fines and jail time, according to the Montana Department of Justice.

Penalties For Driving Under The Influence (DUI) in Montana

Being convicted of a DUI in the state of Montana, like every other state, is a serious offense. After your first DUI conviction, you could face up to six months in jail, hefty fines, and a six-month license suspension, which is where an SR22 can come into play when reinstating. Montana also has a variety of programs in place to assist those convicted of drinking and driving.

The chart below outlines in great detail what you could be facing after your first DUI conviction and ones thereafter.

1st Offense
2nd Offense
3rd Offense
Jail Time
Up to 6 months
75 days-1 year
30 days-1 year
License Suspension
6 months
1 year
1 year

Penalties can vary depending on the circumstances of your case.

Breath Alcohol Ignition Interlock Device (BAIID) Requirements For Montana

If you have multiple DUI offenses, you can be required to install an ignition interlock device (IID) in your car. An IID is a device that tests your breath for alcohol. If a certain level of alcohol is detected, it will prevent your car from starting. If it is your first DUI offense, you may not need to install an IID to reinstate driving privileges but it depends on the circumstances of your case.

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