- MOTORCYCLE INSURANCE MONTANA: LAWS YOU NEED TO KNOW
- MOTORCYCLE INSURANCE MONTANA: MOTORCYCLE SAFETY TIPS
- MOTORCYCLE INSURANCE MONTANA: STATE REQUIREMENTS
- AVAILABLE DISCOUNTS
- WHICH COMPANIES OFFER MOTORCYCLE INSURANCE?
- Cheapest Insurance Companies by City
- MOTORCYCLE INSURANCE MONTANA: HOW TO GET A MOTORCYCLE LICENSE
- BEST FULL COVERAGE RATES FOR MOTORCYCLES
- RATING FACTORS FOR MOTORCYCLE INSURANCE
- MOTORCYCLE INSURANCE MONTANA: FAQS
- INSURANCE SERVICES WE OFFER
- Additional Helpful Links
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.
| City in Montana | Average Annual Cost for Liability only |
|---|---|
| Baker | $119.00 |
| Lame Deer | $131.00 |
| Billings | $118.00 |
| Crow Agency | $109.00 |
| Pablo | $99.00 |
| Stevensville | $110.00 |
| Seeley Lake | $130.00 |
| Lolo | $126.00 |
| Butte-Silver Bow | $101.00 |
| Eureka | $120.00 |
| Sidney | $109.00 |
| Deer Lodge | $122.00 |
| Shelby | $126.00 |
| East Missoula | $120.00 |
| Dillon | $122.00 |
| Colstrip | $114.00 |
| Great Falls | $102.00 |
| Columbia Falls | $115.00 |
| Lockwood | $104.00 |
| Ronan | $121.00 |
| Plentywood | $124.00 |
| Townsend | $100.00 |
| Fort Benton | $135.00 |
| Helena Valley West Central | $119.00 |
| King Arthur Park | $105.00 |
| South Browning | $98.00 |
| Livingston | $111.00 |
| Missoula | $127.00 |
| Big Timber | $104.00 |
| Thompson Falls | $102.00 |
| Havre | $116.00 |
| North Browning | $103.00 |
| Glasgow | $99.00 |
| Miles City | $126.00 |
| Montana City | $104.00 |
| Hardin | $111.00 |
| Sun Prairie | $125.00 |
| Columbus | $109.00 |
| Clancy | $96.00 |
| Kalispell | $129.00 |
| Helena Valley Northeast | $96.00 |
| Lewistown | $126.00 |
| Bonner-West Riverside | $132.00 |
| Whitefish | $116.00 |
| East Helena | $96.00 |
| Three Forks | $113.00 |
| Glendive | $110.00 |
| Wolf Point | $121.00 |
| Frenchtown | $120.00 |
| Conrad | $112.00 |
| Libby | $111.00 |
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.
| Discounts to Ask Your Agent About! |
|---|
| Advanced Quote |
| Garaged or Locked Storage |
| Operators Safety Course |
| Responsible Driver |
| prompt payment |
| MC Endorsement on License |
| Homeownership Discount |
| LoJack Device |
| Operator’s Education Course |
| Approved Safety Course |
| Vehicle Usage & Mileage |
| Prior Insurance |
| Motorcycle Rider Group Discount |
| Married Discount |
| HOG Discount |
| Anti Lock Brakes |
| Multi Policy |
| PIF Discount |
| EFT Discount |
| Years of Riding Experience |
| Continuous Insurance Discount |
| Paperless |
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!
| Company | SR22 Liability (Average) |
|---|---|
| Progressive Insurance | $117.00 |
| Geico | $105.00 |
| Dairyland | $123.00 |
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.
| City in Montana | Cheapest Insurance Company |
|---|---|
| Belgrade | Geico |
| King Arthur Park | Progressive |
| Bigfork | The General |
| Thompson Falls | Geico |
| Sidney | Dairyland |
| Bozeman | Progressive |
| Laurel | Dairyland |
| Four Corners | Progressive |
| West Glendive | Farmers |
| Malmstrom AFB | Geico |
| Hamilton | Progressive |
| Lewistown | Progressive |
| Pablo | Geico |
| Manhattan | Geico |
| Kalispell | Geico |
| Seeley Lake | The General |
| Wolf Point | Progressive |
| Ronan | Progressive |
| Stevensville | Progressive |
| Fort Benton | The General |
| Bonner-West Riverside | Progressive |
| Libby | Geico |
| Glasgow | Progressive |
| Conrad | Geico |
| Havre | Progressive |
| East Helena | Geico |
| Three Forks | Dairyland |
| Eureka | Geico |
| Fort Belknap Agency | Farmers |
| Helena Valley Northwest | Geico |
| Sun Prairie | Progressive |
| Forsyth | Progressive |
| Plentywood | Geico |
| Helena Valley West Central | Geico |
| Evergreen | Progressive |
| Helena | Geico |
| Columbia Falls | Progressive |
| Deer Lodge | Progressive |
| Whitefish | Dairyland |
| Great Falls | Geico |
| Choteau | Progressive |
| Billings | The General |
| Clancy | The General |
| Columbus | Progressive |
| Malta | Progressive |
| Glendive | Geico |
| Crow Agency | Progressive |
| Baker | The General |
| Butte-Silver Bow | Dairyland |
| Dillon | Farmers |
| Lolo | Dairyland |
| Montana City | Progressive |
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.
| City | Price |
|---|---|
| Dillon | $178 |
| Roundup | $203 |
| Fort Benton | $202 |
| Columbus | $221 |
| Helena | $208 |
| Hardin | $180 |
| Plentywood | $229 |
| Missoula | $186 |
| Forsyth | $196 |
| Bonner-West Riverside | $177 |
| Great Falls | $227 |
| Anaconda-Deer Lodge County | $220 |
| Havre | $190 |
| East Missoula | $223 |
| Crow Agency | $181 |
| Four Corners | $221 |
| Billings | $194 |
| Fort Belknap Agency | $184 |
| Baker | $204 |
| Malta | $211 |
| Eureka | $198 |
| Livingston | $200 |
| Red Lodge | $210 |
| Kalispell | $236 |
| Pablo | $196 |
| Glendive | $216 |
| Sidney | $193 |
| Townsend | $185 |
| South Browning | $204 |
| Bozeman | $177 |
| Seeley Lake | $235 |
| Helena Valley West Central | $219 |
| North Browning | $179 |
| Miles City | $236 |
| Three Forks | $187 |
| Lolo | $205 |
| Helena Valley Southeast | $223 |
| Conrad | $228 |
| Polson | $215 |
| Orchard Homes | $235 |
| Big Timber | $209 |
| Shelby | $239 |
| Sun Prairie | $197 |
| King Arthur Park | $222 |
| Big Sky and Cut Bank | $190 |
| Lakeside | $213 |
| Lame Deer | $197 |
| Belgrade | $181 |
| Helena Valley Northeast | $179 |
| West Glendive | $186 |
| Lockwood | $175 |
| Deer Lodge | $205 |
| Choteau | $188 |
| Malmstrom AFB | $211 |
| Manhattan | $206 |
| Helena Valley Northwest | $213 |
| Lewistown | $214 |
| Ronan | $216 |
| Clancy | $234 |
| East Helena | $229 |
| Colstrip | $215 |
| Whitefish | $230 |
| Bigfork | $228 |
| Libby | $196 |
| Glasgow | $232 |
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.
| Rating Factors |
|---|
| Age |
| Gender |
| Marital Status |
| Prior Insurance |
| Motorcycle Make / Model |
| Location (City / State) |
| Coverages |
| Years of Riding Experience |
| Driving History / Driving Violations |
| Credit Score |
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.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Additional Helpful Links
| Additional Montana Insurance |
|---|
| Auto Insurance Montana: Complete Guide |
| Montana Liability Insurance |
| Full Coverage Insurance in Montana |
| SR22 Insurance Montana: Complete Guide |