Motorcycle Insurance in Great Falls, MT - Compare Quotes & Save
Riding around I-15, US-89, and the Missouri River demands coverage built for open roads and varying weather. We’ll set the right liability, UM/UIM, and protect your bike with comprehensive & collision, while unlocking rider discounts.
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 that better fit Great Falls’ rural and highway exposure.
No PIP on Motorcycles
Standard MT auto insurance doesn’t include PIP for motorcycles. Add Medical Payments (MedPay) to help with medical bills regardless of fault.
Helmet & Eye Protection
MT requires helmets for riders under 18; over 18, it’s optional but recommended. Use eye protection like goggles or a face shield for safety.
Inspection & Lane Splitting
No routine state inspection required (keep equipment roadworthy). Lane splitting isn’t permitted in MT-follow general traffic laws.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Great Falls Riding
Liability (BI/PD)
- Start at $50k/$100k or $100k/$300k BI for highway riding
- Property Damage: $25k-$50k common in rural areas
UM/UIM
- Match to your BI limits to protect you from underinsured drivers
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Theft, weather, animal strikes, 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 luggage, bars, windscreens, lighting
Roadside & Trip Interruption
- Towing, jumpstarts, flats-peace of mind on I-15
- Hotel/meals after a covered breakdown (carrier-specific)
Safety pays: ABS-equipped models reduce crash risks on open roads-many insurers offer an ABS discount.
Great Falls Riding Realities (and How We Insure Around Them)
- Open highways & wildlife: From I-15 to US-89, visibility and animal strikes are concerns-favor higher BI/PD and UM/UIM.
- Theft risk: Garaging and anti-theft devices help with pricing. Pair with higher comprehensive limits.
- Weather variability: From snow to sun, consider lower comp/collision deductibles and roadside assistance.
Getting Your MT Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to MVD
- Add the M endorsement (often no road test needed)
Permit + Testing Path
- Get motorcycle examination permit (knowledge + vision)
- Practice under permit restrictions
- Take MVD road test; add M endorsement
Bike Size & Restrictions
Testing on a small-displacement bike can trigger restrictions. Completing an approved course typically removes this-ask us if you’re unsure.
Reviews From Our Customers
What Great Falls Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $50k/$100k/$25k or $100k/$300k/$50k | Higher for highway and wildlife risks |
| UM/UIM | Match BI | Protects you from low-limit drivers |
| MedPay | $5k-$25k | Helpful in MT for medical costs |
| Comp/Collision | $250-$1,000 deductibles | Lower for year-round riding |
| Accessories | $3k-$10k+ | Document with photos & receipts |
| Roadside | Included or add-on | Towing and trip interruption vary by carrier |
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.
Get Your Motorcycle Insurance Quote in Great Falls
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Great Falls, MT
Is lane splitting legal in Montana?
Montana does not permit lane splitting. Riders may be cited under general traffic laws.
Do motorcycles get PIP benefits in MT?
No. MT doesn’t provide PIP for motorcycles. Add MedPay and carry strong UM/UIM limits.
What are the current MT minimum insurance limits?
For policies now, at least 25/50/20. We’ll quote higher limits for better protection.
Do I need a helmet?
Riders under 18 must wear helmets; over 18, it’s optional but advised for safety.
Do motorcycles require inspections?
No routine inspections in MT, but your bike must be roadworthy.
Will ABS lower my premium?
Many carriers discount ABS due to reduced crash risks on Montana roads.
