Motorcycle Insurance in Boyes, MT - Compare Quotes & Save
Riding through Montana's open roads like US-212, MT-323, and near the Wyoming border demands coverage for rural highways and variable weather. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories-all while unlocking rider discounts for safety and mileage.
Montana Requirements (What You Must Know)
Minimum Liability
Current MT minimums are $25,000/$50,000 bodily injury and $20,000 property damage. We’ll quote higher limits to handle rural accidents and potential multi-vehicle claims.
No PIP on Motorcycles
Standard MT auto PIP does not apply to motorcycles. Add Medical Payments (MedPay) to cover medical expenses regardless of fault.
Helmet & Eye Protection
MT requires helmets for riders under 21 or with less than 6 months of experience. Always use eye protection like goggles or a face shield for safety on open roads.
Registration & Lane Splitting
Motorcycles must be registered and insured. Lane splitting is not permitted in MT-follow traffic laws to avoid citations.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Boyes Riding
Liability (BI/PD)
- Start at $50k/$100k or $100k/$300k BI for rural exposure
- Property Damage: $25k-$50k to cover remote area damages
UM/UIM
- Match to your BI limits to protect against underinsured drivers on highways
- Stacking options available depending on carrier
MedPay
- Helps with medical bills no matter who’s at fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Coverage for theft, wildlife strikes, weather, and crashes
- Select deductibles based on your budget for Montana’s vast terrain
Custom Parts / Accessories
- Basic coverage often includes a small amount (e.g., $1,000)
- Schedule extras like exhausts, seats, and storage for full value
Roadside & Trip Interruption
- Towing, fuel delivery, and assistance on remote roads like US-212
- Options for lodging and meals after a covered incident
Safety pays: Rider training and safety features like ABS can lead to discounts and reduce accident risks in Montana’s conditions.
Boyes Riding Realities (and How We Insure Around Them)
- Rural highways & wildlife: On roads like MT-323, watch for animals and long distances-opt for higher BI/PD and UM/UIM.
- Theft and weather risks: Secure storage and anti-theft devices help; pair with comprehensive coverage for Montana’s extreme weather.
- Open-road adventures: Year-round riding may need lower deductibles and roadside assistance for peace of mind.
Getting Your MT Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Motorcycle Safety Course
- Complete the course and use the certificate at MVD
- Add the M endorsement without a road test in many cases
Permit + Testing Path
- Obtain a motorcycle permit (knowledge and vision tests)
- Practice riding under permit
- Pass the road test to get your M endorsement
Bike Size & Restrictions
Restrictions may apply based on bike size during testing. Course completion often waives restrictions-confirm with us if needed.
See Why Customers Love Us
What Boyes Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $50k/$100k/$25k or $100k/$300k/$50k | For rural risks and potential high-damage claims |
| UM/UIM | Match BI | Essential for protection on less-traveled roads |
| MedPay | $5k-$25k | No PIP available for motorcycles in MT |
| Comp/Collision | $250-$1,000 deductibles | Adjust for frequent riding in variable weather |
| Accessories | $3k-$10k+ | Document modifications for accurate coverage |
| Roadside | Included or add-on | Vital for remote areas and long trips |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers, match UM/UIM to your liability, and schedule accessories for comprehensive protection.
Get Your Motorcycle Insurance Quote in Boyes
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Boyes, MT
Is lane splitting legal in Montana?
No, lane splitting is not permitted in Montana. It’s considered unsafe and can result in traffic violations.
Do motorcycles get PIP benefits in MT?
No. Montana’s PIP benefits do not apply to motorcycles. Consider MedPay and strong UM/UIM coverage.
What are the current MT minimum insurance limits?
For policies now, at least 25/50/20. We recommend higher limits for better protection on Montana roads.
Do I need a helmet?
Helmets are required for riders under 21 or with less than 6 months experience. It’s wise for all riders for safety.
Do motorcycles require inspections?
Montana does not require routine inspections, but your bike must be safe and roadworthy to avoid issues.
Will safety features lower my premium?
Yes, features like ABS and completed safety courses often qualify for discounts in Montana.
