Non-Owner Car Insurance
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Non-Owner Car Insurance — Montana

A Montana non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, covers you when driving borrowed or rented cars, and can file the SR-22 the state requires for license reinstatement. Liability-only coverage that follows you, not the car.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Montana Non-Owner Liability Requirements

Montana requires every driver to carry at least $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage — the 25/50/25 minimum. 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.

Montana cityscape and street view
$25,000 per person / $50,000 per accident
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.
$20,000 per accident
Property Damage Liability
Covers damage you cause to another person's vehicle or property while driving. Montana's $20,000 minimum is the floor; a non-owner policy carries this limit or higher. 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.
Optional in Montana
Uninsured Motorist Coverage
Montana does not require uninsured or underinsured motorist coverage, but 7.2% of Montana drivers are uninsured. 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.
3-year filing period
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.
State-Mandated Minimum Coverage · Montana

Montana Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Montana quote.

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What Shapes 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. In Montana, cost depends on your driving record, whether you need an SR-22 filing, the liability limits you choose, and which carrier writes your policy. Drivers with clean records pay the least; an SR-22 requirement or a recent violation raises the premium.

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.
  • Montana's 7.2% uninsured motorist rate makes UM/UIM coverage worth considering, and adding it to a non-owner policy increases the premium modestly.
  • 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.
  • Montana's average annual auto insurance expenditure per insured vehicle is $1,154.92, but non-owner policies cost significantly less because they carry no physical-damage coverage and insure no vehicle.
Non-Owner Liability Only
25/50/25 min
You need continuous liability coverage between owned vehicles, or you regularly drive borrowed or rented cars and want protection that follows you. No SR-22 filing, no recent violations.
Non-Owner With SR-22
3-year filing
Montana requires you to file SR-22 for 3 years to reinstate a revoked license or obtain a probationary license, and you own no car to insure. The filing itself costs a one-time fee from the carrier, and the policy premium reflects the filing requirement.
Non-Owner After Major Violation
DUI / suspension
You need SR-22 filing after a major violation and own no vehicle. Carriers like Bristol West, National General, and The General specialize in non-standard and after-DUI non-owner policies in Montana, though availability narrows compared to the standard market.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

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, Montana cityscape and street view

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, Montana cityscape and street view

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, Montana cityscape and street view

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.

Dramatic mountain landscape with layered rock peaks, green valley, and evergreen trees under cloudy sky

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.

Aerial view of snow-covered residential neighborhood with houses and buildings in winter cityscape

Butte

urban

Frequently Asked Questions

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