Montana offers some of the most spectacular rides in the country. Before you pull in the clutch and crank up your bike, however, make sure you have it insured. Motorcycle insurance might not be mandatory in the Big Sky State, but riding uninsured is never a good idea. Whether you ride a sportbike or a custom, Motorcycle Insurance Co will assist you in finding the best Montana motorcycle insurance rates . Then apply and get approved for your policy in less than twenty minutes.
- No Fees
- No Hassles
- Just The Best Rates
To get the best deal on motorcycle insurance in Montana, you want to compare rates from multiple companies. At Motorcycle Insurance Co, we allow you to do just that. Just enter your zipcode or state and click Get Started. Insurers who insure bikes in your state will be displayed. Then click on each one to view personalized prices.
Do You Need Motorcycle Insurance in Montana?
Montana is one of the only 3 states in the US where motorcycle insurance is not required by law. That said, if you do have insurance, it must meet certain minimum liability guidelines for bodily injury and property damage.
Minimum Insurance Requirements
- Bodily Injury Liability Limit for 1 Individual: $25,000
- Bodily Injury Liability Limit for All Parties: $50,000
- Property Damage Liability Limit: $10,000
Montana Helmet Law
In Montana, helmets are mandatory for riders 17 years old and under. With the change in the economy, more people are opting for scooters and low-power alternatives to save on gas. Some states have different rules for these vehicles. In Montana, the helmet laws covers all bikes with greater than 50cc engine displacement, 2 bhp, or top speed greater than 30 mph. Like many Motorcycle insurance companies, we recommend all riders to wear a helmet, whether you ride an H-D bagger, a literbike, or a 2 horsepower moped.
Protecting against Theft
Motorcycles, as you probably know, are subject to high rates of theft. In fact, about 8 are stolen each minute in the United States. Not only should you select a policy that insures you against this misfortune, you may also want to invest in locks, alarms, and bike recovery systems. Some of these devices may even decrease your monthly premiums. Check with your insurer for further details.