Who Has The Cheapest Motorcycle Insurance Quotes In Montana?

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Montana goes by many nicknames, including "Big Sky Country,” “The Treasure State,” “Land of the Shining Mountains” and “The Last Best Place.” Millions of visitors travel to Glacier National Park, the Little Bighorn Battlefield National Monument and Yellowstone National Park every year. But a lot of people call it home and many are motorcycle riders. To see who in Montana had the best motorcycle insurance rates, we gathered quotes for a 45-year-old male rider and a sample policy (bodily injury protection of $100,000 per person/$300,000 per accident and $50,000 in property damage coverage). Based on our data, the most expensive carrier cost 3.5x the cheapest motorcycle insurer in Montana.

Cheapest Motorcycle Insurance in Montana

Our data shows which companies generally had the best motorcycle insurance quotes in Montana. The study included quotes from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The graph below includes the average premium quoted by each carrier for our sample policy and rider, along with the state average. The company with the lowest motorcycle insurance rates in Montana was GEICO, which quoted our sample policy to be $160 on average. The average rates quoted by Nationwide and Dairyland were $242 and $507, respectively. Progressive had the highest average quote of $558 which was more than 3x the cost of the cheapest (GEICO's average).

A study by ValuePenguin of four large carriers found GEICO had the best motorcycle insurance quotes for our sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Best Motorcycle Insurance Rates in Montana: By City 

In Montana, the five largest cities all had motorcycle insurance rates for our sample policy and rider that were near the state's average. Quotes for the largest city, Billings, were only 1.3% more expensive than Montana's average and premiums in Bozeman and Butte were 1.9% and 1.8% more, respectively. The city of Great Falls had the same average quote as the state of Montana, which was $376. Unlike in most other states, where the largest cities tend to have rates higher than the state average, that wasn't the case in Montana. Rates in Missoula, the second largest city in Montana, were cheaper than the state average; 0.9% lower.

RankCityAverage Annual Rate% Difference vs State Average
1 Billings $372 1.3%
2 Missoula 364 -0.9%
3 Great Falls 367 0.0%
4 Bozeman 374 1.9%
5 Butte 374 1.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Billings, MT

The largest city in Montana has well over 100,000 residents and is the primary city in a metropolitan area with more than 166,000. It is in the south portion of the state and within a short driving distance of many tourist attractions and parks, including the Little Bighorn Battlefield National Monument and Yellowstone National Park. Quotes for our sample rider and motorcycle insurance policy in Billings were only slightly more than the Montana average. Premims there were 1.3% higher than the state average.

Missoula, MT

Along the Clark River in western Montana is Missoula, a city with an estimated 71,000 residents and once the largest city in the state. The lumber industry doesn't have the presence it once did there, but Montana's two olderst breweries are still located in Missoula and doing well. It's known for being surrounded by flora and fauna and for being the home of the University of Montana. Motorcycle insurance quotes in Missoula were 0.9% lower than the state average.

Great Falls, MT

Great Falls has roughly 60,000 residents and was the largest city in Montana from 1950 to 1970. It is home to Malmstrom Air Force Base, one of three U.S. Air Force bases that operate the Minuteman III intercontinental ballistic missiles. It became the first base to have an operational silo for the missles in 1962. Motorcycle insurance quotes for our sample rider and policy in Great Falls were the same as the Montana average, $367.

Bozeman, MT

Bozeman is the seat of Gallatin County and has more than 43,000 residents. Nicknamed the "Sweet Pea Capital of the Nation," Bozeman was chosen as an All-America City by the National Civic League and is known for being a great place to ski. It also is home to the Bozeman Yellowstone International Airport. Motorcycle insurance rates in Bozeman were 1.9% higher than the Montana average.

Butte, MT

Butte is the fifth largest city in Montana with more than 33,000 residents. As booming mining town in the 19th century, Butte was once the largest city in the U.S. between San Fransisco and Chicago. Today, the city is renowned for its regional Montana Folk Festival, which attracts thousands of attendees. Motorcycle insurance rates in Butte were 1.8% higher than the state average. 

Most Expensive Motorcycle Insurance in Montana

The five places with the most expensive motorcycle insurance rates in Montana were a mix of both large and small cities in the state. That pattern was a common one across most of the states in the U.S., where we conducted identical studies. The places with the most expensive motorcycle insurance rates were Browning and Eureka, where premiums for our sample policy and rider were 10.75% higher than the state average. 

RankCityAverage Annual Rate% Difference vs State Average
1 Browning $406 10.7%
2 Eureka 406 10.7%
3 Belgrade 397 8.1%
4 Bozeman 374 1.9%
5 Butte 374 1.8%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Browning, MT

Browning is in northwest Montana, within the the Blackfeet Indian Reservation. It is the largest community in the territory with more than 1,000 residents. The town is the hub of the reservation and home to several tribal offices and businesses. Motorcycle insurance rates in Browning were 10.7% higher than the state average.

Eureka, MT

Nine miles from the Canadian border is Eureka – a town on the Tobacco River with more than 1,000 residents. Eureka was once dubbed the ‘“Christmas Tree Capital of the World” for its lush evergreens. Today, it is more popular for its annual Quilt Show. It has some of the most expensive motorcycle insurance rates in Montana. Quotes for our sample policy were 10.7% higher than the state average.

Belgrade, MT

Belgrade is a city in southwest Montana. It is home to more than 7,000 residents and the famous Belgrade Special Events Center, one of the largest high school facilities in the state. The center hosts district, divisional, and State athletic events that bring in thousands of sports fans from all over. Motorcycle insurance premiums in Belgrade were 8.1% higher than the state average.   

Bozeman, MT

Founded by John Bozeman in the late 19th century, the city was a stop along a portion of the Oregon Trail that lead to the mining town of Virginia City. Motorcycle insurance rates in Bozeman were 1.9% higher than the state average, making it the fourth most expensive in Montana.

Butte, MT

Butte flourished as a mining town at the turn of the century when the demand for copper increased. Since then, the industry in the area has slowed and mining practices have changed dramatically. The city is actively working to restore local damages to the environment caused my mining and has been nicknamed "The Festical City" for once drawing the National Folk Festival three years in a row.

Average Motorcycle Insurance Rates in Montana: By City

This comparative study of motorcycle insurance premiums in Montana was done by gathering and analyzing quotes from four major carriers across 36 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 11.5% more expensive than the cheapest.

An analysis of motorcycle insurance rates in Montana found the average quote in the state was $367 for a sample rider and policy.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 36 municipalities and census-designated places in the state of Montana. The quotes we gathered were from four major carriers: Progressive, Nationwide, GEICO and Dairyland. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500.

The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
34 Belgrade $397 8.1%
31 Billings 372 1.3%
33 Bozeman 374 1.9%
35 Browning 406 10.7%
32 Butte 374 1.8%
18 Chester 367 0.0%
19 Choteau 367 0.0%
20 Columbia Falls 367 0.0%
21 Conrad 367 0.0%
22 Cut Bank 367 0.0%
36 Eureka 406 10.7%
23 Glasgow 367 0.0%
24 Glendive 367 0.0%
25 Great Falls 367 0.0%
26 Hamilton 367 0.0%
27 Havre 367 0.0%
28 Helena 367 0.0%
29 Kalispell 367 0.0%
30 Laurel 370 0.9%
1 Lewistown 364 -0.9%
2 Libby 364 -0.9%
3 Livingston 364 -0.9%
4 Miles City 364 -0.9%
5 Missoula 364 -0.9%
Montana Average 367 0.0%
6 Pablo 364 -0.9%
7 Plains 364 -0.9%
8 Polson 364 -0.9%
9 Red Lodge 364 -0.9%
10 Shelby 364 -0.9%
11 Sidney 364 -0.9%
12 Stevensville 364 -0.9%
13 Thompson Falls 364 -0.9%
14 Townsend 364 -0.9%
15 West Yellowstone 364 -0.9%
16 Whitefish 364 -0.9%
17 Wolf Point 364 -0.9%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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