Montana Auto Insurance After Multiple Violations
Montana requires 25/50/20 liability coverage and is an at-fault state.
Get My Point-Reduction Insurance 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 proof of financial responsibility at all times, verified through mandatory liability coverage or an alternative like a bond or certificate of deposit. Drivers who accumulate 30 points in a 36-month period face license suspension, but Montana allows defensive driving completion to reduce the point total before suspension takes effect.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
High-Risk Auto Insurance
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
- Montana assigns 2 points for speeding 1–10 mph over, 3 points for 11–20 over, 5 points for 21–30 over, and 8 points for reckless driving — stacking three speeding tickets in 24 months can reach suspension threshold.
- Carriers re-evaluate policies at renewal after violations appear on your Motor Vehicle Record, and non-renewal typically occurs 45–60 days before your policy expiration date if you've accumulated 6+ points.
- Completing a Montana-approved defensive driving course removes 4 points from your record once every three years, which can drop you below the 30-point suspension threshold if completed before the suspension effective date.
- Rural Montana ZIP codes (59001–59937) often see lower base rates than Billings or Missoula, but violation surcharges apply equally across the state regardless of where the tickets occurred.
- Switching carriers after violations rarely reduces cost — all insurers in Montana access the same MVR point data, and recent violations follow you regardless of which company writes the new policy.
Find Coverage While Your Points Come Down
Get My Point-Reduction Insurance 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
How many points suspend your license in Montana?
Montana suspends your driver's license when you accumulate 30 points within a 36-month period. Points come from moving violations: 2 points for speeding 1–10 mph over, 3 points for 11–20 over, 5 points for 21–30 over, and 8 points for reckless driving. Three moderate speeding tickets in 24 months can push you close to or over the threshold.
Does Montana require SR-22 for multiple speeding tickets?
Montana does not automatically require SR-22 filing solely because you crossed the 30-point suspension threshold. However, if one of your recent violations was reckless driving, driving under suspension, or an at-fault accident while uninsured, the court or Motor Vehicle Division may separately order SR-22 as proof of financial responsibility for that specific offense.
How long do points stay on your Montana driving record?
Points from moving violations remain on your Montana driving record for three years from the date of conviction. After three years, the points drop off automatically, but the underlying conviction remains visible on your MVR for longer and may still affect insurance rates even after the points expire.
Coverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Required at 25/50/20 minimums in Montana, but higher limits protect your assets if a crash results in damages exceeding the minimum.
Non-Standard Auto Insurance
Specialized coverage for drivers with multiple violations, suspensions, or point totals above 6. Non-standard carriers accept risk profiles that standard insurers decline or non-renew.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an at-fault driver has no insurance. Montana law requires insurers to offer this, but you can reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after a crash, regardless of fault. Required by lenders if you finance or lease, but optional if you own the vehicle outright.
Comprehensive Coverage
Covers damage from theft, vandalism, hail, fire, animal strikes, and weather events. Protects against non-collision losses that liability and collision do not address.