Montana motorcycle insurance

Q: What's the best motorcycle insurance in Montana?

One in three insured motorcycle riders choose Progressive. ** Whether you ride in Billings, Missoula, Great Falls, or anywhere else under the Big Sky, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Montana so you can ride protected without hurting your wallet.

Montana was made for motorcycles with its deep history, winding roads, and stunning landscapes. Progressive is proud to help bikers throughout Big Sky Country ride protected with personalized coverage, plus plenty of discounts to help you save. Find out everything you need to know about motorcycle insurance in Montana.

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What are the minimum requirements for motorcycle insurance in Montana?

Montana motorcycle insurance laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage won’t cover damage to your bike but may pay for injuries and damages you cause to others while riding, up to your policy's limits. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Required coverage	What it covers	Minimum amount
Bodily injury liability	What it coversInjuries you cause to others in an accident	Minimum amount$25,000 per person $50,000 per accident
Bodily injury property damage	What it coversProperty damage you cause to others in an accident	Minimum amount$20,000 per accident

Montana also mandates uninsured motorist bodily injury coverage, but you may reject or lower this coverage by submitting a signed form if you choose not to carry it. Underinsured motorist bodily injury coverage is optional in Montana, and can pay your remaining medical expenses if the other driver's policy limit doesn't cover the total amount.

Do you need comprehensive and collision coverage?

Unless you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage are both optional. But even if your bike is paid in full, you may want to protect your investment against physical damage. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Montana?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Montana with liability coverage only was $150.^* Many factors influence your price for motorcycle insurance, such as your age, driving history, location, type of bike, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Montana?

One in three insured motorcycle riders choose Progressive.^** Whether you ride in Billings, Missoula, Great Falls, or anywhere else under the Big Sky, the best motorcycle insurance features dependable and customized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Montana so you can ride protected without hurting your wallet.

You can decrease the cost of motorcycle insurance in Montana with motorcycle insurance discounts, such as:

Multi-policy discount
National Guard discount
Advanced quote
Responsible driver discount
Association discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Montana

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Montana

Helmets are optional in Montana for adult riders. If you're under 18, however, Montana motorcycle laws require you to wear a helmet while riding.
Montana requires a motorcycle endorsement, which can be obtained if you're at least 16, have a Montana driver's license, pass written and on-road tests, and pay licensing fees.
All drivers including motorcyclists, according to state law, are required to signal before turning by using hand and arm signals or a lighted signal lamp.