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Montana SR22 Insurance

• SR22 Insurance in MT
• Minimum Liability Insurance Requirements
• Suspended License Information and Requirements
• Montana DUI Law

Montana SR22

The great state of Montana will require you to file an SR-22 in order to reinstate your license from violations such as:

• Driving under the influence (DUI)
• Failure to pay child support
• Multiple driving violations resulting in suspension
• Failure to stop and help at the scene of an accident

Is an SR22 just an insurance policy?

In fact the SR-22 is simply an additional item added to the auto policy. It is not a policy by itself and can be added or subtracted from most any auto insurance. The cost to add an SR22 is usually $25 to $50 depending on the company you choose.

Can I cancel my SR-22 insurance early?

If you are required to maintain the SR22 and you let your policy cancel or lapse prior to the end of the probation period the state will suspend your license again. If you are wanting to save money and switch companies the best option is to keep the policy in force until you have the new one started.

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Do I need full coverage auto insurance for an SR-22 filing?

No, the SR-22 form is simply an add-on to your auto policy no matter if you have full coverage or just liability only. In fact you don't even need to own a car to file an SR-22. This type of insurance is called non-owners.

Montana Liability Insurance Requirements

The state of Montana requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

• $25k Per Person Bodily Injury
• $50k Per Accident Bodily Injury
• $10k Property Damage

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Suspended License Information and Requirements

Below is a chart of suspensions in Montana that will require an SR-22:

Violation Type	Conviction #	Suspension Length
DUI w/BAC .08+	1st 2nd	6 months 1 year
Chemical Test Refusal	1st 2nd	6 months 1 year
Under 21 years old - DUI w/BAC .02+	1st 2nd	90 days 6 months
DUI for commercial driver w/BAC .04+	1st 2nd	1 year 3 years

Driving Under the Influence (DUI) in Montana

The following are illegal limits for blood alcohol concentration (BAC) while operating a vehicle in Montana:

• All drivers = .08% or higher
• All commercial drivers = .04% or higher
• Drivers under age 21 = .02% or higher

Refusal to Submit to Alcohol Testing

In Montana you are giving consent to a chemical test of your blood, breath or urine when you accept a driver's license. If you refuse to submit this test your license will be suspended for 6 months or up to 1 year if it is your second refusal.

Where can I get an Ignition Interlock Device?

Check the following vendors for sites in Montana that can install a certified IID device:

Smart Start Inc

Consumer Safety Technology Inc

Mountain Peaks Inc