Car Insurance After a DUI in Montana: Cheapest Companies & Rates (2026)
Quick Answer
A DUI in Montana increases car insurance rates by an average of 72%, raising a typical full coverage policy from $1,650/year to $2,838/year. That's an increase of $1,188/year ($99/month). Rates typically return to normal after 3-7 years.
✓ Updated March 2026✓ Based on state insurance filings
DUI Rate Impact in Montana
Before DUI
$138/mo
$1,650/year full coverage
After DUI (+72%)
$237/mo
$2,838/year full coverage
Cheapest Companies After DUI in Montana
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $175/mo | $2,100/yr | Military families |
| Erie Insurance | $187/mo | $2,242/yr | Rate lock guarantee |
| GEICO | $194/mo | $2,327/yr | Clean driving record |
| Progressive | $208/mo | $2,497/yr | Telematics savings |
| State Farm | $215/mo | $2,583/yr | Good students |
| Travelers | $225/mo | $2,696/yr | Multiple discounts |
| Nationwide | $246/mo | $2,952/yr | Bundling home + auto |
| Farmers | $255/mo | $3,065/yr | Signal telematics |
| Allstate | $265/mo | $3,179/yr | Accident forgiveness |
| Liberty Mutual | $279/mo | $3,349/yr | New car replacement |
USAACheapest
Monthly
$175/mo
Annual
$2,100/yr
Best for: Military families
Erie Insurance
Monthly
$187/mo
Annual
$2,242/yr
Best for: Rate lock guarantee
GEICO
Monthly
$194/mo
Annual
$2,327/yr
Best for: Clean driving record
Progressive
Monthly
$208/mo
Annual
$2,497/yr
Best for: Telematics savings
State Farm
Monthly
$215/mo
Annual
$2,583/yr
Best for: Good students
Travelers
Monthly
$225/mo
Annual
$2,696/yr
Best for: Multiple discounts
Nationwide
Monthly
$246/mo
Annual
$2,952/yr
Best for: Bundling home + auto
Farmers
Monthly
$255/mo
Annual
$3,065/yr
Best for: Signal telematics
Allstate
Monthly
$265/mo
Annual
$3,179/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$279/mo
Annual
$3,349/yr
Best for: New car replacement
Rates based on a 30-year-old driver with one DUI conviction, Montana, full coverage. Updated March 2026.
These are estimates based on state averages. Your exact rate depends on your specific profile.
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DUI Legal Consequences in Montana
- License suspension for 90 days to 1 year (first offense)
- Fines ranging from $500 to $5,000+
- Mandatory alcohol education or treatment program
- Possible ignition interlock device requirement
- SR-22 insurance filing required for 3 years
- Potential jail time (varies by BAC level and prior offenses)
SR-22 Insurance in Montana
An SR-22 is a certificate of financial responsibility that your insurer files with the state. It's not a type of insurance — it's proof that you carry at least the state minimum coverage.
- Filing fee: $15-50 (one-time)
- Duration: 3 years in Montana
- Lapsing your SR-22 triggers immediate license suspension
- Not all insurers offer SR-22 — Progressive, GEICO, and State Farm do
When Do Rates Return to Normal?
| Years After DUI | Estimated Monthly Rate | vs. Clean Record |
|---|---|---|
| Year 0 | $237/mo | +72% |
| Year 1 | $227/mo | +65% |
| Year 2 | $212/mo | +54% |
| Year 3 | $187/mo | +36% |
| Year 5 | $157/mo | +14% |
| Year 7 | $138/mo | Normal |