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Motorcycle Insurance Montana

The minimum requirement is $25,000 liability coverage for bodily injury expenses or death, up to $50,000 total for the accident. Property damage is required at least $20,000 per accident. These limits are often written like 25/50/20.

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MOTORCYCLE INSURANCE MONTANA: LAWS YOU NEED TO KNOW

In Montana, you must carry at least the State Minimum Liability requirements in order to operate a Motorcycle. 25/50/20

Uninsured/Underinsured Motorist bodily injury protection is also required at $25,000 per person and up to $50,000 per accident. You can choose to add Uninsured/Underinsured Property Damage onto your policy which would cover damage to your Motorcycle if you were hit by an Uninsured Motorist, or hit by someone who had lower liability limits than you (Underinsured).

You can increase your liability limits if needed, and it is important to understand your coverage and determine if you should carry higher limits than the minimum required. Still have questions about these coverages? Talk with one of our Insurance agents today, we are here to make it easy on you!

MOTORCYCLE INSURANCE MONTANA: MOTORCYCLE SAFETY TIPS

While some States do not require you to take an approved Safety Course, it is recommended.

• Make sure to check the weather before heading out on a trip.
• Check your bike before any trip to make sure your blinkers, headlights and taillights are working properly.
• Obey the traffic rules and use your signals when turning to let others know what you are planning to do, sometimes Motorcycles can be hard to see.
• Always be observant of road hazards, and stay at a safe driving distance to allow for you to quickly stop if needed.
• Lastly, make sure you are wearing protective gear such as a helmet, goggles, gloves, leather jacket, chaps and boots to protect a hard fall if one were to happen. This riding apparel can be expensive, but it is definitely worth it and your safety.

MOTORCYCLE INSURANCE MONTANA: STATE REQUIREMENTS

The State Minimum Liability requirements in order to operate a motorcycle:

The minimum requirement is $25,0000 liability coverage for bodily injury expenses or death, up to $50,000 total for the accident.

Property damage is required at least $20,000 per accident.

Uninsured/Underinsured Motorist bodily injury protection is also required at $25,000 per person and up to $50,000 per accident.

This is all that is required by law to operate a motorcycle on the road, but you can choose additional coverages. If you are financing a newer bike that may require full coverage, you can add Comprehensive and Collision to the policy for a small additional cost.

AVAILABLE DISCOUNTS

Many insurance companies are able to offer discounts, and the good news for you is most companies offer more discounts for Motorcycle Insurance Montana policies than other insurance products!

Make sure you are asking your insurance agent which discounts you are eligible for, or may be eligible for.

Some of the commonly well known discounts are multiple motorcycle discount, multi policy discount, good rider discount, Organization member discount, Safety course completion, advanced quoting, and pay in full.

Other discounts may include Paperless, EFT and Auto pay. Not sure what these all intel? Check with our agents for a detailed explanation for each discount to get you saving the most money you can.

MOTORCYCLE INSURANCE MONTANA: TIPS AND TRICKS SHEET

1. Understand Montana Insurance Requirements: Montana requires liability insurance for motorcycles, which covers bodily injury and property damage that you may cause to others in an accident. The minimum liability coverage limits are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
2. Consider Additional Coverage: While liability insurance is required, you may also want to consider additional coverage options such as collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and roadside assistance. These can provide extra protection in various situations, such as accidents, theft, vandalism, or medical expenses.
3. Shop Around for Quotes: Don’t settle for the first insurance quote you receive. Shop around and compare quotes from multiple insurance providers to find the best coverage options at competitive rates. Different insurers may offer different discounts or incentives, so it’s worth exploring your options.
4. Bundle Policies: If you already have insurance policies (such as auto or home insurance) with a particular provider, consider bundling your motorcycle insurance with them. Bundling policies often leads to discounts, saving you money on your overall insurance costs.
5. Maintain a Good Driving Record: Your driving record plays a significant role in determining your insurance premiums. Avoid traffic violations and accidents to keep your record clean, as insurance companies typically offer lower rates to those with a history of safe driving.
6. Attend Motorcycle Safety Courses: Completing a motorcycle safety course not only enhances your riding skills but can also qualify you for discounts on your insurance premiums. Insurance companies often view riders who have completed such courses as less risky to insure.
7. Adjust Coverage Based on Usage: If you only ride your motorcycle seasonally, consider adjusting your coverage during the off-season to save on premiums. Some insurers offer policies with flexible terms that allow you to customize coverage based on your riding habits.
8. Review and Update Coverage Regularly: Life circumstances and the value of your motorcycle can change over time. Periodically review your insurance coverage to ensure it still meets your needs and adjust it accordingly if necessary.
9. Ask About Discounts: Inquire with insurance providers about available discounts. These may include multi-policy discounts, safe rider discounts, anti-theft device discounts, or discounts for motorcycle safety features.
10. Read the Fine Print: Before purchasing a policy, carefully read and understand all the terms, conditions, and exclusions. Make sure you know what is covered and what isn’t, so there are no surprises when you need to file a claim.

WHICH COMPANIES OFFER MOTORCYCLE INSURANCE?

There are several companies that offer Motorcycle Insurance as a product, and they would be silly not to. Most Motorcyclists also own automobiles, and may even be home owners as well. With a good Insurance company, you can bundle all of these products to keep your insurance premiums low and all the policies in one place. Not all companies offer Motorcycle Insurance, so it is best to check our chart below for the most well known ones.

Remember, all companies are able to offer different rates, so be sure to shop several companies to make sure you are getting the best price for your coverage. Better yet, call our agents for a free quote – we are able to shop multiple Insurance companies in a matter of minutes.

We save our customers the time and hassle when it comes to shopping for insurance, more time on the road for you!

Cheapest Insurance Companies by City

The cost for motorcycle insurance can be so cheap, especially with all the applied discounts and bundles added onto the policies. Some companies only charge the minimum amount that is required for an insurance policy, which means you could be paying as low as $5 a month for insurance.

All companies will vary a bit in terms of prices, and discounts available, so check multiple carriers before making a decision. Also, every few months the rates could go up due to revisions, which could be a good time to shop around for cheaper prices if you are unsatisfied with your current premium.

MOTORCYCLE INSURANCE MONTANA: HOW TO GET A MOTORCYCLE LICENSE

In Montana, you must have a Drivers License in good standing to apply for a Motorcycle Endorsement. Make sure to schedule your appointment and come prepared to your appointment with the appropriate documentation and applicable fees.

Since COVID, you may want to schedule your appointment online to avoid long wait times at the DMV. You will need to pass a vision test and written skills test in order to be approved for a MC Endorsement. Motorcycle Safety classes are recommended, but not required.

Most companies even give drivers a discount who have completed a recognized safety course, so it is something you may want to check in to! Once you have passed your vision and written test, you are all set!

BEST FULL COVERAGE RATES FOR MOTORCYCLES

The cost for Full coverage Insurance on a Motorcycle will vary depending upon the driver and their driving history, the type of bike (engine size impacts the rate), and the coverages needed.

A driver who has experience operating a motorcycle and has a clean driving record will pay a lot less money for their Insurance policy. The type of bike, engine size, year,make and model will help determine the cost for Insurance.

Also, you can opt for just basic full coverage, or you can have additional coverages like higher liability limits and extras which may make the premium more expensive. On average, our customers will pay $20-30 a month for full coverage on a brand new bike.

On average, our customers will pay $20-30 a month for full coverage on a brand new bike.

RATING FACTORS FOR MOTORCYCLE INSURANCE

Motorcycle Insurance Montana rating factors are used to help Insurance companies calculate and determine a customer’s premium. Rating factors used include location, age, gender, marital status, continuous insurance, and the type of bike and coverages.

An area that is heavily populated, statistically has a higher amount of accidents and claims than that of a smaller area. Insurance prices will likely be a little higher in these areas.

Age and gender do come into play because the more experience you have as a driver, the less likely you are to get into an accident. Statistically, females are considered to cost less in the event of an accident, not to say they aren’t the cause of some accidents, they just do less damage than males do.

MOTORCYCLE INSURANCE MONTANA: FAQS

Is Insurance on a Motorcycle expensive?

Insurance is generally very affordable for Motorcycles.

Is Motorcycle Insurance required in Montana?

You are required to carry at least the State Minimum Liability Limits in Montana. You can choose to increase those minimum coverages if desired.

How Much Does Motorcycle Insurance Cost Per Month?

While it does depend upon the person, coverages, bike, and the insurance company – the average cost could be as little as $10 per month for motorcycle insurance.

Are Older Motorcycles Cheaper to Insure?

Generally yes, especially if you are only carrying liability on that motorcycle.

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Last Updated on March 7, 2024 by Marlon Moss