What You Need to Know
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Riding a motorcycle can be one of the most exhilarating experiences, but it comes with unique responsibilities and risks. In Montana, motorcycle insurance is not legally required, but that doesn’t mean it isn’t important. Here’s what you need to know about motorcycle insurance in Miles City, Montana, and why having the right coverage is crucial for your peace of mind on the road.
Understanding Montana Motorcycle Law
Motorcycle insurance might not be mandatory in Montana, but that doesn’t mean you should skip it. Montana law defines motorcycles designed for use on highways as motor vehicles, which means that like cars, they are subject to road laws and potential liability in the event of an accident. Understanding the legal framework is the first step to protecting yourself and your bike.
Montana Statute MCA 61-1-101(45) Defines a Motorcycle as:
“Motorcycle” means a motor vehicle that has a seat or saddle for the operator and is designed to travel on no more than three wheels.
A motorcycle can carry passengers and may include attachments like a sidecar.
The definition also includes autocycles (three-wheeled motorcycles with safety features like roll bars and seat belts).
Helmet Law in Montana
Montana law (MCA 61-9-417) requires that any operator or passenger under 18 must wear protective headgear when riding on the street or highways.
Montana law (MCA 61-9-417) requires that any operator or passenger under 18 must wear protective headgear when riding on the street or highways.
The headgear must meet safety standards set by the Department of Justice.
However, this rule does not apply to operators or passengers of autocycles that have enclosed cabins.
Exemptions to Motorcycle Insurance
Montana is one of only three states where motorcycle insurance is not required by law.
Alongside New Hampshire and Washington, Montana riders are exempt from the financial liability requirements that typically apply to car owners (MCA 61-6-301).
That said, just because insurance isn’t mandated doesn’t mean you should go without it—especially in a state like Montana, where the risks are high.
Why Motorcycle Insurance Still Matters in Montana
While it may not be legally required, riding without motorcycle insurance can expose you to significant financial risk. Here’s why it’s crucial to consider getting coverage even though it’s not mandated.
Montana is an At-Fault State
Montana follows an “at-fault” insurance system, which means the driver responsible for an accident must pay for damages and injuries caused to others.
If you’re at fault in a collision and don’t have insurance, you could face substantial personal liability.
The other party can sue you for damages, and you may end up paying out of pocket for medical bills, property repairs, and even legal fees.
Over 14% of Montana Drivers Are Uninsured
With a significant percentage of uninsured drivers on Montana roads, having uninsured/underinsured motorist coverage is a smart move.
This coverage protects you if you’re hit by someone who doesn’t have insurance—or doesn’t have enough coverage to pay for your injuries or damages.
Liability Risks Without Insurance
While Montana does not mandate motorcycle insurance, riding without it leaves you financially vulnerable. If you cause an accident and don’t have coverage, you could face:
Lawsuits for medical bills and property damage.
Liens on your property or wages garnishment if you can’t cover the costs.
Out-of-pocket expenses that could jeopardize your financial stability.
Coverage Protects Your Investment
Motorcycles are not cheap, and repairs or replacement costs can add up fast. Comprehensive and collision coverage can protect your bike from theft, vandalism, or accidents—even if the damage isn’t your fault.
What Does Motorcycle Insurance Cover?
If you do decide to purchase motorcycle insurance in Montana, it’s important to understand the available coverage options. While the minimum liability coverage for motorcycles mirrors that of cars, there are other coverages you may want to consider to ensure full protection.
Minimum Liability Coverage in Montana (25/50/20):
$25,000 for bodily injury per person.
$50,000 for bodily injury per accident.
$20,000 for property damage.
These limits are the same as those for car insurance in Montana, but they may not be enough in the event of a serious accident.
Optional Coverages to Consider
- Uninsured/Underinsured Motorist Coverage: Given the number of uninsured drivers in Montana, this coverage is essential. It helps cover medical bills and damages if you’re hit by an uninsured or underinsured driver.
- Collision Coverage: Covers damage to your bike from collisions with vehicles or other objects.
- Comprehensive Coverage: Protects your motorcycle from non-collision-related incidents, such as theft, fire, or natural disasters.
- Medical Payments: Covers medical bills for you and your passengers after an accident, regardless of fault.
- Accessories Coverage: Provides additional protection for aftermarket parts, like saddlebags, custom seats, and other gear.
Risks of Riding Without Motorcycle Insurance
Operating a motorcycle without insurance in Montana may seem tempting due to the lack of legal requirements, but here’s why it’s risky:
Personal Financial Risk
In Montana, if you’re at fault in an accident, you are personally responsible for covering all damages and injuries. Without insurance, this could mean:
- Paying out of pocket for the other party’s medical bills and vehicle repairs.
- Risking your savings, property, or wages in the event of a lawsuit.
Limited Protection
Without insurance, you’re also unprotected from incidents like theft, vandalism, or natural disasters.
Comprehensive and collision coverage ensures that your motorcycle is covered in these situations, giving you peace of mind.
Conclusion: The Bottom Line on Motorcycle Insurance in Montana
Even though Montana doesn’t require motorcycle insurance, riding without it exposes you to significant risks. With over 14% of drivers uninsured and Montana being an at-fault state, having the right coverage can protect you from financial devastation if you’re involved in an accident.
Whether you’re new to riding or a seasoned pro, it’s worth considering motorcycle insurance to protect yourself, your bike, and your financial future. Armor Insurance Agency is here to help you understand your options and find the right coverage for your needs.
Contact us today to learn more about motorcycle insurance in Miles City, Montana, and get a free quote tailored to your unique situation!