Riding a motorcycle offers unparalleled freedom, but it also comes with serious risks. That’s why taking a Montana Safety Foundation (MSF) course is not only a smart move for your safety—it can also significantly lower your insurance premiums.
What Is the MSF Certification in Montana?
The Montana Motorcycle Safety Foundation (MSF) certification is awarded to riders who complete an approved motorcycle safety course.
These courses are offered across the state through Montana Motorcycle Rider Safety (MMRS) programs and include classroom instruction, skills practice, and a final evaluation.
By completing a certified MSF course in Montana, you fulfill one of the primary requirements to obtain your Montana motorcycle endorsement—and you gain valuable skills that make you a safer, more confident rider.
How MSF Certification Can Lower Your Motorcycle Insurance
Insurance companies view certified riders as lower-risk clients. When you complete a recognized Montana MSF motorcycle course, insurers often reward you with discounts.
Riders who complete safety training are statistically less likely to be involved in serious accidents, according to the Motorcycle Safety Foundation.
Completing a course also demonstrates to insurers that you are proactive about safety, which reduces their financial risk and leads to better insurance risk assessments.
Additionally, insurance companies know that trained riders typically have stronger accident-avoidance abilities, quicker reaction times, and better handling skills, all of which contribute to a lower claims history.
Many insurers offer discounts between 10% and 20% for riders who show proof of completing an MSF course.
Essential Motorcycle Safety Tips to Prevent Increased Risks
Following basic motorcycle safety practices is not just about personal protection—it’s about safeguarding the entire riding community. Increased accidents can lead to higher insurance premiums and stricter regulations for all riders.
To better understand the importance of safe riding and how it protects everyone on the road, read more about why motorcycle safety matters.
How to Enroll in an MSF Motorcycle Safety Course in Montana
To get started, find a Montana MSF course by searching for MMRS programs available in Billings, Missoula, Bozeman, Helena, and other cities. Once you identify a convenient location, register online to reserve your spot early, especially during the busy spring and summer months when classes tend to fill quickly.
After registering, you’ll need to complete both the classroom and riding portions of the course and successfully pass the final skills evaluation. Upon completion, you’ll receive an MSF certification, which you can then submit to your insurance company to qualify for potential discounts.
For step-by-step instructions on signing up, visit the official Montana Motorcycle Rider Safety Program.
Pair MSF Certification with Other Discounts
While completing your Montana motorcycle safety course can lower your insurance rate, you can stack your savings by:
- Bundling motorcycle insurance with auto or home insurance
- Maintaining a clean driving record
- Choosing higher deductibles
- Installing anti-theft devices on your bike
Combining an MSF certification with these strategies can significantly cut your annual insurance costs—sometimes by hundreds of dollars.
Invest in Yourself
Completing an MSF certification in Montana is one of the smartest moves you can make as a rider.
Not only does it sharpen your skills and keep you safer on the road, but it also gives you immediate financial rewards in the form of insurance discounts.