Motorcycle Insurance Minimum Requirements in Montana

Montana Liability Requirements for Motorcycles

If you opt to purchase liability coverage for your motorcycle, you might want to take a look at the state's minimum requirements for private passenger vehicles as a guideline:

• $25,000 per person for bodily injury

• $50,000 per person per accident

• $10,000 for property damage

If you decide on insurance coverage, be sure to compare rates from as many providers as possible. Because rates vary, you should be able to find an affordable package without sacrificing any protection. And depending on your situation, you always have the option to maximize your insurance package with additional types of coverage.

How Coverage Affects Helmet Requirements

Riders younger than 18 must wear helmets. Because coverage is optional, there are no insurance discounts offered for helmet wearing.

Proof of Insurance and Financial Responsibility

If you do opt for insurance, it's always wise to carry proof when riding in the event of an accident. Acceptable forms of proof include:

• An insurance identification card issued by your carrier.

• A self-insurance certificate or card.

• A cash deposit note or certificate.

• A surety bond note or certificate.

Penalties for Failure to Maintain Financial Responsibility

As a motorcyclist, you're not required to maintain coverage; however, for curiosity's sake, here are the state penalties imposed upon drivers who dare to operate with no proof of insurance:

• First Offense:

• Five points added to driving record.

• A fine of up to $500.

• A possible jail sentence of up to 10 days.

• Second or Subsequent Offense:

• Automatic license suspension for 90 days.

• A minimum fine of $350.

• Possible jail sentence of up to 10 days.