- 1Enter your zip code below
- 2Select an insurance company
- 3Compare additional quotes and SAVE!
We make buying motorcylce insurance as easy as 1, 2, 3. Compare your auto insurance quotes online and save today.
Motorcycle Insurance Requirements in Montana
Montana residents are not required to carry insurance on their motorcycles. However, insurance is always recommended when it comes to getting coverage for yourself.
Here's how Montana defines two-wheeled vehicles:
- A motor vehicle with a seat/saddle for riding purposes, and designated to travel on not more than three wheels is a motorcycle.
- A motorcycle with an engine that produces five-horsepower or less is a motor-driven cycle. Motor scooters belong here.
Motorcycle Insurance RequirementsIf you choose to buy liability insurance for your motorcycle, here are Montana's minimum requirements for private passenger vehicles:
- $10,000 for property damage.
- $25,000 per person for bodily injury.
- $50,000 per person per accident.
Helmet RequirementsMotorcycle riders under 18 must wear helmets. Those over 18 don't have that obligation.
Financial ResponsibilityIn case you choose to purchase motorcycle insurance here are the options:
- Self-insurance. To qualify for this you must have at least 26 vehicles registered under your name.
- Getting a surety bond with an authorized in-state broker.
- Making a $55,000 cash deposit with the State Treasurer. For information, call (406) 444-2032.
- Liability insurance.
Proof of InsuranceIf you choose to purchase insurance you are advised to carry proof when operating your motorcycle, should accident happen. The acceptable forms of proof are listed below:
- An insurance identification card issued by your insurance company.
- A cash deposit note or certificate.
- A surety bond note or certificate.
- A self-insurance certificate or card.
PenaltiesAs it was mentioned before motorcyclist are not required to maintain coverage. Anyway lets see the state penalties imposed upon drivers caught riding with no proof of insurance:
- First Offense:
- Second or Subsequent Offense:
- Automatic license suspension for 90 days.
- A minimum fine of $350.
- Possible jail sentence of up to 10 days.