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Motorcycle Insurance Montana

CompanyLiability (average)
Progressive Insurance$99.00
Dairyland$103.00
Geico$110.00

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 Liberty copy

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

MOTORCYCLE INSURANCE MONTANA: DISCOUNTS

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

MOTORCYCLE INSURANCE MONTANA: 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!

CompanySR22 Liability (average)
Progressive Insurance$117.00
Geico$105.00
Dairyland$123.00

MOTORCYCLE INSURANCE MONTANA: 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 MontanaCheapest Insurance Company
BelgradeGeico
King Arthur ParkProgressive
BigforkThe General
Thompson FallsGeico
SidneyDairyland
BozemanProgressive
LaurelDairyland
Four CornersProgressive
West GlendiveFarmers
Malmstrom AFBGeico
HamiltonProgressive
LewistownProgressive
PabloGeico
ManhattanGeico
KalispellGeico
Seeley LakeThe General
Wolf PointProgressive
RonanProgressive
StevensvilleProgressive
Fort BentonThe General
Bonner-West RiversideProgressive
LibbyGeico
GlasgowProgressive
ConradGeico
HavreProgressive
East HelenaGeico
Three ForksDairyland
EurekaGeico
Fort Belknap AgencyFarmers
Helena Valley NorthwestGeico
Sun PrairieProgressive
ForsythProgressive
PlentywoodGeico
Helena Valley West CentralGeico
EvergreenProgressive
HelenaGeico
Columbia FallsProgressive
Deer LodgeProgressive
WhitefishDairyland
Great FallsGeico
ChoteauProgressive
BillingsThe General
ClancyThe General
ColumbusProgressive
MaltaProgressive
GlendiveGeico
Crow AgencyProgressive
BakerThe General
Butte-Silver BowDairyland
DillonFarmers
LoloDairyland
Montana CityProgressive

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!

MOTORCYCLE INSURANCE MONTANA: BEST FULL COVERAGE RATES

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.

CityPrice
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.

MOTORCYCLE INSURANCE MONTANA: RATING FACTORS

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.

motorcycle insurance montana

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Last Updated on by Lauren Mckenzie