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Comprehensive Local Motorcycle Insurance Guide

Montana Motorcycle Insurance

Motorcycle Registrations in MT

^ There are 158,873 registered motorcycles in Montana, the 21st highest number in the nation. [1]

Motorcycle Insurance in MT by City

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Motorcycle Insurance Providers in Montana

MT Motorcycle Insurance

MT Motorcycle Insurance in Montana

Motorcycle Insurance Coverage Requirements in Montana


  • Minimum Liability Limits in MT: 25/50/10 [2]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident

  • Insurer Verification of Insurance in MT [2]
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Montana Motorcycle Insurance Liability Requirements

Required Motorcycle Insurance Coverage in Montana

Mandatory motorcycle insurance coverage for riders in the state of Montana.

  • Motorcycle Insurance Requirements in MT [2]
    • Bodily injury liability coverage
    • Property damage liability coverage

Motorcycle Helmet Laws in Montana

    • Motorcycle helmets required for 17 and younger. [3]

Motorcycle Insurance Laws & Regulations in Montana

Motorcycle License Regulations in Montana [4]

Detailed information about Montana laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

Motorcycle License Regulations in Montana
  • Motorcycle License Laws in MT
    • A license is not valid for the operation of a motorcycle or quadricycle unless the holder of the license has successfully completed a road or skills test for a motorcycle or quadricycle and the license has been clearly marked with a motorcycle endorsement.
    • Before riders can obtain a motorcycle endorsement, they must first apply for a Montana driver's license.

Motorcycle Equipment Laws in Montana [4]

Various regulations and laws in Montana regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

  • Motorcycle Equipment Laws in MT
    • All operators and passengers under 18 years of age of a motorcycle or quadricycle must wear protective headgear approved by the DOJ.
    • Eye protection is not required for riders in Montana.
    • Passenger footrest required if carrying a passenger.
    • A person operating a motorcycle or quadricycle on public streets or highways may ride only on the permanent and regular seat. The operator may not carry a passenger unless the passenger is seated on a seat designed for 2 persons or on another seat firmly attached to the side or rear of the operator.
    • Motorcycles must be equipped with at least 1 properly functioning taillamp mounted on the rear that emits a red light plainly visible from a distance of 500 ft.

Rider & Driver Facts in Montana

Rider & Driver Facts in Montana

Montana Motorcycle Registrations

  • Registered Riders in MT [1]
    • In 2012, Montana totaled 158,873 motorcycles registrations.
    • This number ranks 21st in the United States by state (including Washington, D.C.).
    • Note: MT ranked 41st in the nation in total auto registrations (all vehicle types) in 2011.

Montana Highway Facts

  • Speed Limits in MT [3]
    • Rural interstates: 75 mph (Trucks: 65 mph)
    • Urban interstates: 65 mph
    • Other roads: 70 mph (Night: 65 mph)
  • Consumption of Motor Fuel in MT [5]
    • Montana ranked 42nd in the U.S. in 2011 in total motor fuel consumption.

Montana Accident Reporting Regulations

  • Accident Reporting in MT [4]
    • Crashes are required to be immediately reported in cases of death or injury.
    • Crashes are required to be immediately reported when property damage exceeds $1,000.

Montana Demographics

Age Breakdown in Montana

Approximately 76% residents in MT are 20 and older, while 20% are between ages 5 and 19, and 5% are under the age of 5. [6]


Household Income: Montana vs. U.S.

The median household income in the state of Montana is $47,343, which is about 19 percent less than the median income for the United States overall of $58,283. [6]


Income Breakdown in Montana

About 15% of households in MT have incomes below the poverty level. Below is the complete income breakdown for the state. [6]


Additional information about Montana

About Montana

Montana as a whole has an approximate population of 989,415, which ranks 43rd in the nation. [6]

MT Motorcycle Insurance

MT Motorcycle Insurance

To learn more about Motorcycle Insurance in Montana, or for additional resources related to Montana Motorcycle Insurance, visit the Montana Department of Insurance.

Did you know?

In some states with harsh winters, riders can opt for insurance coverage that is suspended during winter.

Montana Cities

References

1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Montana DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)