Motorcycle Insurance for Montana
Montana motorcycle insurance for riders who know the roads.
From the Beartooth Highway on US 212 to Going-to-the-Sun Road in Glacier National Park, Roamly works with carriers who understand how Montanans actually ride.
Montana at a Glance
Requirement | Details |
|---|---|
Minimum liability | 25/50/20 ($25k bodily injury per person, $50k per accident, $20k property damage). Uninsured motorist coverage is included unless you reject it, and underinsured motorist coverage is optional. |
Helmet law | Required for operators and passengers under 18. Montana law doesn't require eye protection. |
Lane splitting | Filtering has been legal since October 1, 2021: you can pass traffic that's stopped or moving 10 mph or less, at no more than 20 mph, where lanes are wide enough. Splitting at higher speeds isn't allowed. |
Registration | No safety inspection and no emissions testing. Motorcycles are registered permanently — as of September 2026, the one-time fee is $53.25 plus a $16 motorcycle safety fee and a few smaller fees. |
Requirements and regulations may change. Verify with the Montana Commissioner of Securities and Insurance and the Montana Motor Vehicle Division for the most current information.
What you need to know about Motorcycle Insurance in Montana
Montana made lane filtering legal in 2021, registers motorcycles permanently, and leaves helmets up to riders 18 and older. Here's what actually shapes your policy.
Montana's 25/50/20 Minimum
The state requires 25k/50k bodily injury and $20k property damage. Uninsured motorist coverage comes with your policy unless you reject it, and underinsured motorist coverage is optional. We'll help you figure out what makes sense for how you ride.
Agreed Value for Custom Builds
Your Indian Challenger with the custom seat and paint isn't a stock bike. Roamly works with carriers who may value your sweat equity, not some database guess.
Peer-to-Peer Rental Coverage
Riders come from all over the country for the Beartooth Highway and Going-to-the-Sun Road. Want to list your bike on Twisted Road or Riders Share for them? Many personal policies exclude rental use, so check yours first. Roamly works with carriers who may be able to help.
SR-22 Filing When Needed
After a license revocation — for DUI, for example — the Montana Motor Vehicle Division won't restore your license until your insurer files an SR-22, and you'll generally need to keep it for three years. Roamly works with carriers that file SR-22s, and we'll help you get the filing started. No judgment.
Protection Beyond Basics
Type | Details |
|---|---|
Mechanical Breakdown Coverage | Engines fail at the worst times — like near the top of the Beartooth Highway, almost 11,000 feet up. Through Roamly's carrier partners, coverage may be available to help with sudden mechanical breakdowns beyond warranty. |
Riding Gear Coverage | Helmets, jackets, boots, and gloves — even though Montana only requires a helmet under 18, mountain passes can go from sun to sleet fast. Roamly works with carriers who may offer coverage options to help protect your riding equipment. |
Agreed Value for Custom Builds | Your garage-built bike is worth more than a database number. Roamly works with carriers who offer Agreed Value coverage that may insure your build for what it's actually worth. |
Rent Your Bike Without Losing Coverage
The Beartooth, Going-to-the-Sun Road, and the Pintler Scenic Highway draw riders from all over the country, and a bike can do more than sit in the garage between your own rides. Listing yours on Twisted Road or Riders Share can help it earn its keep, but many personal policies exclude rental use — check yours before you hand over the keys. Roamly works with carriers who may cover your bike even when it's rented through legitimate platforms, which may help you earn from your bike while keeping it protected.
What Montana Actually Requires
Montana mandates 25/50/20 liability coverage for motorcycles, the same as for cars. That's $25k per person and $50k per accident for bodily injury, plus $20k for property damage. Uninsured motorist coverage is included unless you reject it, underinsured motorist coverage is optional, and Montana is an at-fault state with no PIP, so medical payments coverage is an optional add-on worth considering. Riders under 18 need a helmet. The minimums keep you legal, but they won't go far if you total someone else's Road Glide or hurt someone badly — and liability alone doesn't pay to fix or replace your own bike. We'll help you figure out what makes sense for your situation.
Custom Builds Get Real Value
You built your bike the way you wanted it: Vance & Hines exhaust, Corbin seat, custom paint, and upgraded suspension. Stock book value doesn't account for the work you put in or the parts you upgraded. Roamly works with carriers who offer Agreed Value coverage options — we'll help document your build so it may be insured for an agreed amount that reflects your upgrades, which may help if you ever need to file a claim.
LEGAL DISCLAIMERS
Roamly is a licensed insurance agency. Insurance policies referenced are offered through Roamly and underwritten by third-party carriers including Progressive, National General, Foremost, Safeco, Nationwide, Dairyland, Mercury, and Plymouth Rock, among others. Not all products or coverages are available in every state. Coverage terms, conditions, limits, deductibles, exclusions, and availability vary by state, carrier, and policy. This page is provided for general information and is not a contract of insurance. See the actual policy for a full description of coverages, terms, and conditions. Montana law references current as of September 2026 — confirm current requirements with the Montana Commissioner of Securities and Insurance and the Montana Motor Vehicle Division.
Why Roamly?
Tailored coverage
We know a cruiser isn't a sport bike. Roamly helps you find the coverage that fits with how you ride, from dirt trails to open roads.
Custom parts protection
Most insurers offer minimal coverage for custom parts. Our partners provide up to $20,000 in coverage for your aftermarket mods and custom work.
Track day coverage
Most insurers don’t cover organized track events, riding schools, and time trials. Push your limits. We’ll make sure you’re covered.
Montana requires 25/50/20 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Uninsured motorist coverage is included unless you reject it. These minimums keep you legal, but they might not be enough if you cause serious damage or injury. Requirements may change — verify with the Montana Commissioner of Securities and Insurance.
Only if you're under 18. Operators and passengers under 18 need a helmet that meets state standards, and you can't carry a passenger under 18 who isn't wearing one. Riders 18 and older can decide for themselves, and Montana law doesn't require eye protection.
It depends on your bike, riding history, where you live, and the coverage you pick. Keeping or rejecting uninsured motorist coverage, adding underinsured motorist coverage, and adding collision, comprehensive, or medical payments will all change the price. Get a personalized quote to find out your rate.
Roamly is a brokerage — we work with carriers who may cover your motorcycle while it's rented through platforms like Twisted Road and Riders Share. Many personal policies exclude rental use, so it's worth checking yours before you list. Coverage terms, conditions, and availability vary by state and policy.
Roamly works with carriers who offer Agreed Value coverage options. We may help document your mods up front so your bike can be insured for an agreed amount, not a depreciated database number. If it's totaled, the agreed value — less any deductible — is what the policy is built around. Coverage terms, conditions, and availability vary by state and policy.
Liability is what Montana requires — it pays for damage you cause to other people and their property. "Full coverage" usually means adding collision and comprehensive, which help pay to repair or replace your own bike after a crash, theft, vandalism, or hail. If you're financing, your lender will likely require both.
An SR-22 is a certificate your insurer files with the Montana Motor Vehicle Division to prove you carry at least the minimum coverage. After a license revocation — for DUI, for example — your license stays revoked until it's filed, and the state can waive it after three years without a disqualifying conviction. Riding uninsured is costly too: as of September 2026, a first offense brings a fine of $250 to $500, and penalties climb for repeat offenses. Roamly works with carriers that file SR-22s and can help you keep it active. Coverage terms, conditions, and availability vary by state and policy.
It can. Montana's credit law limits how insurers use it: they can't deny, cancel, non-renew, or set renewal rates based on credit alone, medical collections can't count against you, and you can ask for an exception after events like a serious illness, job loss, or identity theft. Your riding record, bike, and location are also major rating factors, and how much each one counts varies by carrier.
Yes, since October 1, 2021. You can filter past vehicles that are stopped or moving 10 mph or less, as long as you're going no more than 20 mph, the lanes are wide enough to pass safely, and conditions allow it. It applies only to two-wheeled motorcycles, and splitting lanes at higher speeds still isn't allowed. You're responsible for passing safely, so filter with care.
Still have questions?
Call us at 877.725.1245
Montana Motorcycle Insurance Quotes in Minutes
Montana motorcycle insurance for riders who know the roads.
* Roamly is an insurance agency, not a carrier. Coverage, limits, and availability vary by carrier and by state, and are subject to underwriting approval.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Roamly license numbers. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
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