Guide to Bozeman Car Insurance SR22: Best Rates and Coverage

Looking for affordable SR-22 insurance in Bozeman? Contact A Plus Insurance today for a free quote tailored to your needs.

Montana State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50

What’s the Average Cost of Full Coverage Bozeman Car Insurance SR22?

The average cost of full coverage Bozeman car insurance SR22 typically ranges between $1,200 and $2,500 per year. Rates can vary significantly based on factors such as your driving history, age, and the insurance provider. To get the best rates, it’s essential to compare quotes from multiple companies.

When shopping for SR22 insurance in Bozeman, consider the following insurance carriers for competitive rates:

  • Progressive
  • Dairyland
  • Travelers
  • Gainsco
  • Assurance
  • National General
  • Bristol West
  • Mendota
  • The General
  • Suncoast
Insurance CarrierMonthly RateAnnual Rate
Progressive$110$1,320
Dairyland$125$1,500
Travelers$135$1,620
Gainsco$145$1,740

Top Reasons You Might Need Bozeman Car Insurance SR22 Explained

You might need Bozeman car insurance SR22 if you’ve had a DUI, multiple traffic violations, or been caught driving without insurance. An SR22 form is required to reinstate your license and prove you have the state’s minimum liability coverage. Understanding the reasons behind needing this insurance can help you prepare and find the best rates available.

Here’s a list of common reasons for needing an SR22 in Bozeman:

  • DUI or DWI convictions
  • Multiple at-fault accidents
  • Driving without insurance
  • License suspension or revocation
  • Serious traffic offenses

To get an idea of what you might pay, here’s a comparison of Bozeman car insurance SR22 rates from different carriers:

Insurance CarrierMonthly RateAnnual Rate
Progressive$110$1,320
Dairyland$125$1,500
Travelers$135$1,620
Gainsco$145$1,740
Assurance$150$1,800
National General$130$1,560
Bristol West$140$1,680
Mendota$120$1,440
The General$115$1,380
Suncoast$125$1,500

If you fall into any of these categories, securing Bozeman car insurance SR22 quickly and maintaining it is crucial to avoid further penalties and get back on the road.

How Long Do Bozeman Car Insurance SR22 Drivers Need to Keep SR22 Insurance?

Bozeman car insurance SR22 drivers typically need to keep SR22 insurance for three years. This duration can vary depending on the severity of the offense and state requirements, but maintaining continuous coverage without lapses is crucial to avoid restarting the filing period.

Here’s a list of steps to ensure you maintain your SR22 status:

  • Keep your SR22 policy active for the required period.
  • Make all insurance payments on time.
  • Avoid any further violations that could extend the SR22 requirement.
  • Regularly check with your insurance provider about your SR22 status.

To help you understand the costs associated with maintaining SR22 insurance in Bozeman, here’s a comparison of rates from different carriers:

Insurance CarrierMonthly RateAnnual Rate
Progressive$110$1,320
Dairyland$125$1,500
Travelers$135$1,620
Gainsco$145$1,740
Assurance$150$1,800
National General$130$1,560
Bristol West$140$1,680
Mendota$120$1,440
The General$115$1,380
Suncoast$125$1,500

By understanding these requirements and ensuring continuous coverage, you can successfully navigate the Bozeman car insurance SR22 landscape and meet all legal obligations.

What to Do If Your Bozeman Car Insurance SR22 Lapses?

If your Bozeman car insurance SR22 lapses, it’s crucial to act quickly to avoid severe penalties. Your driver’s license could be suspended, and you might face fines or other legal repercussions. Contact your insurance provider immediately to reinstate your coverage and refile your SR22 form to minimize any disruptions.

Here are steps to take if your Bozeman car insurance SR22 lapses:

  • Contact your insurance provider: Inform them of the lapse and discuss reinstatement options.
  • Pay any outstanding premiums: Make sure all payments are up to date to reinstate coverage.
  • Refile the SR22 form: Your insurer will need to submit a new SR22 form to the state.
  • Maintain continuous coverage: Ensure no further lapses by setting up automatic payments or reminders.

Can You Get Bozeman Car Insurance SR22 Without a Car?

Yes, you can get Bozeman car insurance SR22 without owning a car. This type of policy is called non-owner SR22 insurance and is designed for drivers who need to meet SR22 requirements but do not own a vehicle. It provides liability coverage when you’re driving a car you don’t own, ensuring you meet legal obligations while maintaining flexibility.

Non-owner SR22 insurance is a smart choice for several situations:

  • You frequently rent cars.
  • You borrow cars from friends or family.
  • You want to avoid coverage lapses while between vehicles.
  • You need to reinstate your license after a suspension.

Here’s a comparison of non-owner SR22 insurance rates from different carriers:

Insurance CarrierMonthly RateAnnual Rate
Progressive$25$300
Dairyland$28$336
Travelers$30$360
Gainsco$32$384
Assurance$35$420
National General$27$324
Bristol West$29$348
Mendota$26$312
The General$24$288
Suncoast$28$336

Choosing the right Bozeman car insurance SR22 policy, even without owning a car, can help you stay compliant with state laws and maintain continuous coverage.

What are Some Important SR22 Insurance Laws in Bozeman?

In Bozeman, SR22 insurance laws require you to maintain SR22 coverage for a minimum of three years following a major traffic violation. This is essential to reinstate and maintain your driving privileges. Additionally, the insurance policy must meet Montana’s minimum liability coverage requirements, which include $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage.

Here’s a list of key SR22 insurance laws in Bozeman:

  • Maintain coverage for at least three years: Continuous coverage is mandatory.
  • Meet state minimum liability requirements: $25,000 bodily injury per person, $50,000 per accident, $20,000 property damage.
  • Timely filing and payment: Avoid lapses in coverage by making timely payments.
  • Insurance provider must file SR22 form: Only your insurer can file this form with the state on your behalf.

How Much is Liability Only in Bozeman Car Insurance SR22?

The cost of liability-only Bozeman car insurance SR22 typically ranges from $800 to $1,500 per year. This type of insurance meets the state’s minimum liability coverage requirements, which includes $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage.

Here’s a list of factors that affect the cost of liability-only SR22 insurance:

  • Driving history: Past violations can increase rates.
  • Age and gender: Younger and male drivers often pay more.
  • Vehicle type: The car you drive can impact your premium.
  • Coverage limits: Higher limits mean higher premiums.
  • Insurance provider: Rates vary between companies.

To give you a clearer idea of the costs, here’s a comparison of liability-only SR22 insurance rates from various carriers:

Insurance CarrierMonthly RateAnnual Rate
Progressive$65$780
Dairyland$75$900
Travelers$80$960
Gainsco$85$1,020
Assurance$90$1,080
National General$70$840
Bristol West$78$936
Mendota$72$864
The General$68$816
Suncoast$74$888

Understanding the cost of Bozeman car insurance SR22 for liability-only coverage helps you budget effectively and choose the best policy to meet your needs.

Why does my Bozeman, Montana zip code affect my car insurance rates?

The cost of Bozeman car insurance SR22 is influenced by various factors including weather conditions, crime rates, population density, and demographics. Each of these factors can significantly impact your insurance premiums.

Here are specific factors that affect auto insurance rates in Bozeman:

  1. Weather Conditions and Climate: Bozeman’s harsh winters and icy roads increase the risk of accidents, leading to higher premiums.
  2. Crime Rates: Areas with higher car theft and vandalism rates see increased insurance costs to cover potential claims.
  3. Population Density: Higher traffic in densely populated areas leads to more accidents, raising insurance rates.
  4. Demographics: Younger drivers and males often face higher premiums due to statistically higher risk.
  5. Local Regulations and Requirements: Montana’s minimum liability coverage requirements impact the base rate for SR22 insurance.

Here’s a comparison of potential SR22 insurance rates in different Bozeman zip codes:

Zip CodeMonthly RateAnnual Rate
59715$120$1,440
59718$110$1,320
59086$115$1,380
59714$125$1,500

Understanding these factors can help you anticipate and manage the cost of your Bozeman car insurance SR22.

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Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Frequently Asked Questions about Bozeman, Montana SR22 Insurance


What is SR-22 insurance?

SR-22 insurance is a certificate of financial responsibility that is required for drivers who have been convicted of certain driving offenses such as DUIs or driving without insurance. It verifies to the state that you have the minimum required auto insurance coverage.

How long do I need SR-22 insurance?

The duration for which you need SR-22 insurance varies depending on the state and the reason for which it was required. Typically, you may need SR-22 insurance for about three years, but this can vary. It’s crucial to maintain continuous coverage during this period.

How can I get SR-22 insurance in Bozeman?

To obtain SR-22 insurance in Bozeman, you’ll need to contact an insurance brokerage like ours. We specialize in providing SR-22 insurance solutions tailored to your needs. Give us a call at 1.888.445.2793 and one of our agents will assist you in getting the coverage you need.

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Last Updated on by Brian Muse

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