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Non-Owner Car Insurance — Montana

Montana requires 25/50/20 liability coverage and is an at-fault state.

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Montana 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

Montana Non-Owner Liability Requirements

A non-owner policy meets this floor without an owned vehicle. Montana uses a traditional tort system, so the at-fault driver's liability coverage pays for injuries and damage. For drivers reinstating a revoked license or obtaining a probationary license after revocation, Montana requires a certificate of insurance (commonly called SR-22) filed for 3 years, and a non-owner policy satisfies that filing when you own no car.

Bodily Injury Liability

Pays medical bills, lost wages, and pain-and-suffering claims when you injure someone while driving a borrowed, rented, or shared car in Montana. A non-owner policy provides this liability without an owned vehicle, sitting secondary to any coverage on the car you're driving. Carriers like Geico, Progressive, and Farmers write non-owner policies in Montana and can quote this minimum or higher limits.

Property Damage Liability

Covers damage you cause to another person's vehicle or property while driving. Because non-owner coverage is liability-only, it never pays to repair the car you're driving — that car's collision coverage or your own funds cover that.

Uninsured Motorist Coverage

Many non-owner policies include UM/UIM as a standard or optional add-on, protecting you when an at-fault driver has no coverage or insufficient limits. Ask carriers writing non-owner in Montana whether UM/UIM is included.

Non-Owner SR-22 Filing

Montana requires a certificate of insurance (SR-22) for restoration of a revoked license or issuance of a probationary license after revocation, per MCA 61-6-133. The filing lasts 3 years from the date the Motor Vehicle Division receives it. A non-owner SR-22 satisfies this requirement when you own no vehicle. Carriers that write non-owner and file SR-22 in Montana include Geico, Progressive, Farmers, Bristol West, National General, The General, and USAA.

What Shapes Non-Owner Insurance Cost in Montana

$34/mo

Typical monthly rate in Montana, non-owner policies

Rate data: Insure.com, 2026

What Affects Your Rate

  • Montana's 25/50/25 liability minimum is the floor; choosing higher limits (50/100/50 or 100/300/100) raises the premium but increases protection in a serious accident.
  • An SR-22 filing requirement adds a one-time filing fee and raises the annual premium because the filing signals prior violations to the carrier.
  • Your driving record over the past 3 to 5 years determines whether you qualify for standard or non-standard rates; a clean record keeps cost lowest.
  • Carriers that write non-owner in Montana include standard-market options (Geico, Progressive, Farmers, State Farm, Travelers, USAA) and non-standard specialists (Bristol West, National General, The General), and rates vary widely by carrier and filing requirement.
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Stay Insured Without Owning a Car

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If 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

What does non-owner car insurance cover in Montana?

A Montana non-owner policy provides bodily injury and property damage liability (at least 25/50/25) when you drive a borrowed, rented, or shared car. It sits secondary to any coverage on the vehicle you're driving, meaning the car's policy pays first and your non-owner policy covers the gap. Non-owner coverage never includes collision, comprehensive, or physical damage to the car you're driving, because you own no vehicle.

Can I get an SR-22 in Montana without owning a car?

Yes. Montana requires SR-22 filing for 3 years to reinstate a revoked license or obtain a probationary license, and a non-owner policy satisfies that requirement when you own no vehicle. Carriers that write non-owner and file SR-22 in Montana include Geico, Progressive, Farmers, Bristol West, National General, The General, State Farm, Liberty Mutual, and USAA.

Which carriers write non-owner insurance in Montana?

Carriers writing non-owner policies in Montana include Geico, Progressive, Farmers, Travelers, USAA, Bristol West, National General, and The General. Not all carriers write non-owner, and among those that do, a subset can file SR-22 if you need a filing. Compare quotes from carriers flagged as non-owner writers in Montana to find coverage.

How much does non-owner insurance cost in Montana?

Non-owner policies cost less than standard auto insurance because they carry no collision or comprehensive coverage and insure no vehicle. Cost depends on your driving record, whether you need SR-22 filing, and the liability limits you choose. A clean-record driver carrying Montana's 25/50/25 minimum with no filing pays the least; an SR-22 requirement or recent violation raises the premium.

How long does SR-22 filing last in Montana?

Montana requires SR-22 filing for 3 years, measured from the date the Motor Vehicle Division receives the certificate. The filing must stay active for the full period; if your non-owner policy lapses or cancels, the carrier notifies the state and your license can be suspended again. Maintain continuous coverage for 3 years to satisfy the requirement.

Can I use a non-owner policy to register a car in Montana?

No. Montana vehicle registration requires proof of insurance for the specific vehicle being registered, and a non-owner policy insures no vehicle. If you buy a car, you must switch to a standard auto policy that names the vehicle before registering it with the Motor Vehicle Division.

Coverage Types

Non-Owner Liability Insurance

Bodily injury and property damage liability that follows you when driving a car you don't own. Secondary to any coverage on the vehicle you're driving.

Non-Owner SR-22 Filing

A certificate of insurance filed with Montana's Motor Vehicle Division for 3 years to reinstate a revoked license or obtain a probationary license when you own no vehicle.

Uninsured Motorist Coverage

Optional coverage that pays your medical bills and lost wages when an at-fault driver has no insurance or insufficient limits.

Non-Standard Auto Insurance

Coverage for drivers with DUIs, suspensions, or multiple violations who need non-owner liability and SR-22 filing but don't qualify for standard-market rates.

Find Your City in Montana

Billings

suburbanNon-owner rates in Billings reflect urban driving patterns and the SR-22 filing requirement where applicable, with standard-market carriers widely available.

Montana's largest city, with higher traffic density and a 165.5 per 100,000 vehicle theft rate statewide, though non-owner policies carry no collision or comprehensive coverage.

Missoula

suburbanNon-owner policies in Missoula cost less than standard auto insurance because they insure no vehicle, with carriers like Geico, Progressive, and Farmers writing here.

Western Montana's college town, with seasonal weather and mountain driving conditions that raise accident risk, though non-owner liability covers you regardless of the car you drive.

Great Falls

suburbanNon-owner rates in Great Falls depend on your driving record and whether you need SR-22 filing, with non-standard carriers available for post-violation drivers.

Central Montana city with harsh winter weather and rural commute patterns, where non-owner coverage provides liability protection when borrowing or renting vehicles.

Bozeman

urbanBozeman's non-owner market includes standard and non-standard carriers, with SR-22 filing available through Geico, Progressive, Farmers, and others.

Fast-growing mountain city with a mix of urban and rural driving, where non-owner policies cover you when driving borrowed cars or car-share vehicles.

Butte

urban