The Best Motorcycle Insurance Companies in Montana
Progressive has Montana's best cheap motorcycle insurance, at $12 per month for full coverage.
Find Cheap Motorcycle Insurance Quotes in Montana
Best cheap motorcycle insurance in Montana
How we chose the top companies
Cheapest motorcycle insurance in Montana
Progressive offers Montana's cheapest motorcycle insurance.
Progressive's average rate in Montana is $12 per month. That's 45% cheaper than the state average of $22 per month. Harley-Davidson and Dairyland are the next-cheapest options, at $14 per month.
Find Cheap Motorcycle Insurance Quotes in Montana
The average cost of motorcycle insurance in Montana is $22 per month for a full coverage policy. That's 31% less than the national average.
Cheapest motorcycle insurance companies in Montana
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $12 | |
| Dairyland | $14 | |
| Harley-Davidson | $14 | |
| Geico | $25 | |
| Nationwide | $43 | |
Best motorcycle insurance for most riders: Progressive
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Editor's rating
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Cost: $12/month
Progressive's average rate of $12 per month is 14% cheaper than the next-cheapest options, Harley-Davidson and Dairyland. You can also lower your rates with Progressive’s many discounts, including bundling with auto or home coverage, paying in advance and taking a motorcycle safety course.
Progressive's full coverage policy includes extra coverage, like custom parts and accessories and full replacement cost for parts.
That means if you make modifications or add parts to your bike, Progressive will cover them. Most other companies charge extra for these perks.
Progressive also has a good customer service reputation, with 29% fewer complaints than an average company its size. That means you can count on Progressive to get your life back to normal quickly after an accident.
The biggest drawback with Progressive is you can't get rental reimbursement coverage. That means you'll have to pay for your own rental while your bike is in the shop after a crash. So if your motorcycle is your main vehicle and you worry about affording a rental car after an accident, Progressive might not be the best choice.
Best motorcycle insurance discounts: Harley-Davidson
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Editor's rating
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Cost: $14/month
Full coverage from Harley-Davidson is very affordable, and you can lower your rates much more because Harley-Davidson offers 13 potential discounts. A few of these are easy to get, such as a discount for having a motorcycle endorsement on your license, owning a home or making your payments on time.
One notable discount you can't get is one for bundling either home or auto coverage with your motorcycle policy.
This is usually one of the best ways to save on your insurance. But Harley-Davidson doesn't offer this because it doesn't sell auto or home insurance.
Customers aren't always happy with the service they get from Harley-Davidson. The company gets 64% more customer complaints than an average company its size. The majority of complaints are about its lengthy claims process. That means Harley-Davidson may take longer to repair your motorcycle after an accident than other companies might.
Best for military families: USAA
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Editor's rating
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Cost: $11/month
USAA doesn't sell its own motorcycle insurance but instead partners with Progressive.
As a USAA member, you'll get a 5% discount on Progressive policies. In Montana, that means the average rate comes to about $11 per month.
Basic Progressive policies include extra coverages free of charge, such as replacement cost coverage. This coverage pays for newer parts or raises your payout for a totaled motorcycle because it won't factor in prior wear and tear. Most companies charge extra for this.
Progressive also has one of the lowest complaint ratings in Montana. It gets 29% fewer complaints than an average company its size. That means most people are happy with the service they get from Progressive.
Montana motorcycle insurance cost by city
Pablo, a small town north of Missoula, has some of the most expensive motorcycle coverage in Montana, at $23 per month.
Thirteen of the largest cities in the state all tie for the cheapest rates, at $21 per month. This includes the capital city, Helena, Kalispell and Havre.
Average motorcycle insurance cost in MT by city
City | Monthly cost | % from average |
|---|---|---|
| Belgrade | $22 | 0% |
| Billings | $22 | 0% |
| Bozeman | $22 | 0% |
| Browning | $21 | -2% |
| Butte | $22 | 0% |
There isn't much difference between the cheapest and most expensive cities in Montana when it comes to motorcycle coverage. Rates are usually higher in dense urban areas, and Montana is one of the most rural states in the country.
Montana motorcycle insurance laws
Montana requires motorcycle riders to have a minimum amount of bodily injury and property damage liability insurance, sometimes written as 25/50/20.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000
It's usually a good idea to buy more coverage than the minimum requirements.
If you frequently ride in conditions that increase your risk of an accident, or if you have a lot of assets that could become the target of a liability lawsuit, you likely should get more liability coverage.
It's also often a good idea to get collision and comprehensive coverage to protect your own motorcycle.
How do you get a motorcycle license in Montana?
Riding a motorcycle in Montana requires both a valid driver's license and a motorcycle endorsement on that license. To get the endorsement, you must:
- Be at least 16 years of age, or 15 years of age and pass a state-approved driver's education course
- Have a valid Montana driver's license
- Pass written and road tests for motorcycles
- Pay an additional fee of $0.52 per year
Besides the written portion and the road test, the testing process for a Montana motorcycle endorsement also involves a review of your driving record, your physical ability to ride a motorcycle and your vision.
Frequently asked questions
How much is motorcycle insurance in Montana?
The average rate for Montana motorcycle insurance is $22 per month for full coverage. That's considerably cheaper than the national average. Progressive has the cheapest coverage, at $12 per month.
What is the cheapest motorcycle insurance in Montana?
Progressive is the cheapest motorcycle insurance company in Montana. Its average rate is $12 per month for full coverage, which is 45% cheaper than the state average.
How much motorcycle insurance is required in Montana?
Montana riders need a minimum of $25,000 of bodily injury liability coverage per person and $50,000 per accident and $20,000 of property damage liability. This is sometimes written as 25/50/20.
Methodology
ValuePenguin collected more than 200 quotes to find the cheapest motorcycle insurance in Montana. Quotes are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Rates are for a full coverage policy that has comprehensive and collision coverage. It also includes more liability coverage than the state minimum.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
The ValuePenguin team has a combined total of more than 50 years' experience in the property and casualty insurance industry.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
