Motorcycle Insurance in Montana - Compare Quotes & Save
Riding across Big Sky Country-from the Going-to-the-Sun Road and Beartooth Highway to I-90 and rural two-lanes-demands coverage built for open roads, wildlife encounters, and variable mountain weather. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories - all while unlocking real rider discounts.
Montana Requirements (What You Must Know)
Minimum Liability
Current Montana minimums are $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage. We’ll quote higher limits that better fit Montana’s rural roads, tourism traffic, and wildlife exposure.
No PIP / MedPay Option
Montana is a fault state with no mandatory no-fault PIP coverage. Adding Medical Payments (MedPay) can help cover your own medical expenses quickly after a crash, regardless of fault.
Helmet Law
Montana has a partial helmet law. Riders under age 18 must wear a DOT-approved helmet. Riders 18 and older may ride without one but are strongly encouraged to wear helmets for safety.
Registration & Equipment
All motorcycles must be titled and registered with the Montana Motor Vehicle Division. Headlights must be on at all times while riding. Lane splitting is not permitted in Montana.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Montana Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI for better protection on rural highways
- Property Damage: $50k-$100k common for out-of-state and tourism claims
UM/UIM
- Match to your BI limits to protect you from underinsured drivers common in rural areas
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Wildlife strikes (deer, elk), hail, gravel roads, theft, and crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for saddlebags, crash bars, lighting, seats, and touring gear
Roadside & Trip Interruption
- Towing, flat repairs, and fuel delivery - essential on remote Montana highways
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: Completing an MSF Basic RiderCourse can qualify you for significant discounts while improving your skills on Montana’s challenging roads.
Montana Riding Realities (and How We Insure Around Them)
- Rural roads & long distances: Limited cell service and long stretches between towns make higher liability, UM/UIM, and roadside assistance especially important.
- Wildlife encounters: Deer, elk, and bison strikes are common. Comprehensive coverage with a lower deductible helps protect against expensive repairs.
- Extreme weather: Hailstorms, early snow, and gravel roads require thoughtful comprehensive/collision limits and proper garaging to lower premiums.
Getting Your Montana Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Montana Motorcycle Safety Program Basic RiderCourse
- Pass the course; receive completion certificate
- Present certificate at county treasurer’s office to add the M endorsement (often waives the skills test)
Permit + Testing Path
- Obtain a motorcycle instruction permit (written and vision test)
- Practice under permit restrictions
- Pass the state motorcycle skills and knowledge tests; add M endorsement
Bike Size & Restrictions
Testing on a very small-displacement bike can trigger a restriction. Completing an approved rider course typically removes this - ask us if you’re unsure.
Reviews From Our Customers
What Montana Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | Higher limits recommended for tourism traffic and multi-vehicle claims |
| UM/UIM | Match BI | Critical in rural areas with high rates of uninsured motorists |
| MedPay | $5k-$25k | Provides fast medical expense coverage in a fault state |
| Comp/Collision | $250-$1,000 deductibles | Lower deductible recommended for wildlife and hail exposure |
| Accessories | $3k-$10k+ | Document with photos & receipts for touring and custom gear |
| Roadside | Included or add-on | Towing and trip interruption vital on remote highways |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered for Montana roads.
Get Your Motorcycle Insurance Quote in Montana
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Montana
Is lane splitting legal in Montana?
No. Montana law does not permit lane splitting or filtering. Riders may be cited for unsafe lane changes or other traffic violations.
Does Montana require PIP coverage for motorcycles?
No. Montana is a traditional fault state and does not require Personal Injury Protection (PIP). Adding MedPay coverage is a smart way to protect yourself.
What are the current Montana minimum motorcycle insurance limits?
25/50/20 - $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage. Higher limits are strongly recommended for most riders.
Do I need a helmet in Montana?
Riders under 18 are required to wear a DOT-approved helmet. Riders 18 and older are not legally required to wear one but are encouraged to do so for safety.
Do motorcycles require annual inspections in Montana?
Montana does not require annual safety inspections for motorcycles. However, your bike must be in safe operating condition and meet all equipment requirements.
Will motorcycle safety training lower my insurance premium?
Yes. Completing an approved Montana Motorcycle Safety Program course often qualifies riders for meaningful insurance discounts.
