For riders in Montana, motorcycle insurance is designed to protect against the unique risks that come with cruising across the state’s vast and varied terrain—from navigating mountain passes and winding rural highways to dealing with unpredictable weather and busy city traffic in places like Billings or Missoula. With hazards ranging from wildlife collisions on open roads to slick conditions during long winters, having the right coverage is essential for peace of mind.
GEICO makes it a priority to ensure that the right insurance always comes at the right price, helping all types of riders in Big Sky Country secure reliable protection that fits their lifestyle and needs.
In Montana, motorcycle insurance is required for all riders to legally operate on public roads, and proof of insurance must be carried at all times, even though it’s not needed to register a motorcycle with the state. Failure to maintain coverage can lead to severe penalties—including fines, license suspension, and potential motorcycle impoundment.
These requirements are in place to ensure that riders can cover financial responsibility in the event of an accident, protecting both themselves and others on the road.
| Coverage Type | What It Covers | Montana Minimum Limits |
|---|---|---|
| Bodily Injury Liability | Injuries to others in an accident | $25,000 per person / $50,000 per accident |
| Property Damage Liability | Property damage you cause | $20,000 per accident |
Montana technically requires uninsured motorist bodily injury coverage; however, riders have the option to decline or reduce this protection by signing a waiver. Underinsured motorist bodily injury coverage is not mandatory, but it can help cover medical costs that exceed the at-fault driver’s insurance limits.
It’s also important to note that these limits are among the lowest in the United States. For instance, states like Texas and Virginia require higher minimums, such as 30/60/25 and 50/100/25, respectively. Given the minimal state-required coverage, many riders opt for higher limits and additional coverages to ensure adequate protection.
While Montana’s minimum insurance requirements provide a strong foundation for motorcycle coverage, many riders choose to add more protection beyond the basics. These additional coverages can range from standard options like collision and comprehensive to specialized add-ons such as custom equipment or stored gear coverage.
GEICO makes it easy to personalize your policy by offering a wide selection of optional add-ons, ensuring every rider can tailor coverage to their unique needs:
Discounts stack subject to minimum premium amounts that vary by product and by state.
The average cost of motorcycle insurance in Montana tends to be slightly lower than the national average—largely due to the state’s lower population density, fewer high-traffic urban areas, and generally reduced accident rates compared to more congested states. But it’s important to keep in mind that your individual premium will depend much more on personal factors like the type of motorcycle you ride, where you live, and your riding and claims history.
No matter how these variables influence your current rate, the most reliable way to secure affordable motorcycle insurance without compromising protection is by taking advantage of available discounts.
GEICO provides a wide variety of savings opportunities, making it possible for nearly every motorcycle policyholder to qualify for a discount. From bundling your coverage or simply transferring your policy, there are multiple ways to lower your premium.
Consider it just one more way GEICO ensures that riders in Montana get the right coverage at the right price:
GEICO stands out as the preferred insurer for motorcycle riders in Montana thanks to its reputation for reliability, affordability, and flexibility.
For instance, its nationwide resources paired with personalized support from local agents give policyholders the best of both worlds—broad protection backed by national strength alongside the local expertise of a neighborhood professional. With competitive rates and extensive discount opportunities, GEICO makes it possible for riders with nearly any budget to secure the coverage they need. Plus, coverage for a wide range of different bikes, an array of required and optional protections, and flexible payment plans ensure that riders get everything they need—and nothing they don’t—on a schedule that works for their finances.
Motorcycle insurance is a crucial investment for riders in Montana—while the state requires certain coverages, a more well-rounded policy can also provide extra peace of mind by protecting against the many risks that come with life on the road. Riders should take time to assess their personal needs, consider any specialized coverage they might require, and make use of available discounts to secure the best solution.
With GEICO, getting a free, personalized quote is quick and easy, taking just a few minutes either online or over the phone. Remember: Every moment without the right coverage is another moment where the unexpected can happen—get your free quote today!