Motorcycle Insurance

Motorcycle insurance is a type of auto insurance that provides financial protection for riders, passengers, and other road users if an accident, theft, or other covered event occurs. Because motorcycles offer less physical protection than cars, having the right insurance is especially important for both legal compliance and personal financial security.

Whether you ride for fun or use your bike daily, proper motorcycle insurance helps you manage risk and ride with confidence.

What Is Motorcycle Insurance?

Motorcycle insurance is a policy that helps cover expenses related to accidents, injuries, property damage, theft, and other losses involving a motorcycle. Most states require minimum liability coverage for riders, and many motorcycle owners choose additional protections to ensure full coverage tailored to their needs.

Core Motorcycle Insurance Coverages

Liability Insurance
Covers bodily injury and property damage you cause to others in a covered accident. This is usually required by law in most states.

Collision Coverage
Pays for repair or replacement of your motorcycle if it’s damaged in a collision, regardless of fault.

Comprehensive Coverage
Protects against non-collision losses such as theft, vandalism, fire, or hitting an animal.

Uninsured and Underinsured Motorist Coverage
Covers your injuries and losses if the at-fault driver has no insurance or insufficient coverage.

Medical Payments Coverage
Pays medical bills for you and your passengers after a covered accident, regardless of fault.

Optional and Enhancing Coverages

Roadside Assistance
Provides help for breakdowns, flat tires, or towing.

Accessory Coverage
Protects custom parts, aftermarket accessories, or modifications on your motorcycle.

Gap Coverage
Pays the difference between what your bike is worth and what you owe if it’s totaled and you have a loan or lease.

Rider Safety Discounts
Some insurers offer discounts for completing rider safety courses or for having certain safety features.

What Motorcycle Insurance Does Not Typically Cover

Policies often exclude:

• Normal wear and tear

• Mechanical breakdown not caused by a covered peril

• Intentional damage

• Coverage beyond stated policy limits

Understanding exclusions helps riders avoid gaps in protection.

Why Motorcycle Insurance Matters

Motorcycles have less structural protection than cars, and crashes can result in severe injuries and expensive repairs. Insurance helps protect you by:

• Covering medical and bodily injury costs

• Protecting your assets from liability claims

• Replacing or repairing your bike after damage or theft

• Providing peace of mind while riding

Legal requirements and financial risk make insurance essential for every rider.

How Motorcycle Insurance Premiums Are Determined

Rates vary based on:

• Rider age and driving history

• Type, value, and age of the motorcycle

• Coverage limits and deductibles

• Location and miles ridden

• Safety features and anti-theft devices

Shopping multiple quotes helps you find competitive pricing for the coverage you need.

How to Choose the Right Motorcycle Insurance

To choose appropriate coverage:

1. Know your state’s minimum insurance requirements

2. Decide how much liability and optional coverage you want

3. Consider your riding habits and where you ride

4. Compare quotes from multiple insurers

5. Ask about discounts and rider safety programs

Personalized coverage ensures you’re protected in the ways that matter most.

Frequently Asked Questions

Is motorcycle insurance required by law?
Yes. Most states require minimum liability coverage to legally operate a motorcycle.

What does liability insurance cover?
Liability insurance covers bodily injury and property damage you cause to others in an accident.

Does comprehensive coverage protect against theft?
Yes. Comprehensive typically covers theft, vandalism, and non-collision losses.

Will motorcycle insurance cover medical bills?
Medical payments coverage can help pay medical expenses for you and passengers after an accident.

Is uninsured motorist coverage necessary?
Uninsured and underinsured motorist coverage protects you if the at-fault driver lacks sufficient insurance.

Can I get discounts on motorcycle insurance?
Yes. Insurers may offer discounts for rider safety courses, bundling policies, and safety equipment.

Final

Motorcycle insurance is essential for every rider to manage financial risk and meet legal requirements. With over 30 years of experience helping riders compare options from nearly 100 insurance carriers, we help you find the right coverage for your bike and lifestyle.

Fill out the form below to get expert guidance and a tailored motorcycle insurance solution.
Start now — get personalized options fast, secure, and tailored to you.