Motorcycle Insurance

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Motorcycle Insurance

Your guide to finding insurance coverage for that unique and special bike.

Motorcycle insurance is a type of insurance coverage that provides financial protection in case of accidents, theft, or damage to a motorcycle. Like auto insurance, motorcycle insurance offers several types of coverage, and the specific coverage you need can depend on your individual circumstances and the requirements in your state.

To choose the best coverage for you, you must understand all of your options:

Here are some key points to understand about motorcycle insurance:

Liability Coverage: This is typically required by law in most states. It covers bodily injury and property damage that you may cause to others in an accident. It does not cover your injuries or damage to your motorcycle.
Collision Coverage: This covers damage to your motorcycle if you collide with another vehicle or object, regardless of fault.
Comprehensive Coverage: Also known as “other than collision” coverage, this pays for damage to your motorcycle from events such as theft, vandalism, natural disasters, or hitting an animal.
Uninsured/Underinsured Motorist Coverage: This provides coverage if you are in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses.
Medical Payments Coverage: This covers medical expenses for you and your passenger if you are injured in an accident.
Personal Injury Protection (PIP): This coverage, which is required in some states, pays for medical expenses, lost wages, and other costs resulting from an accident, regardless of fault.
Accessory Coverage: This covers aftermarket parts and accessories you have added to your motorcycle, such as custom paint, chrome, or saddlebags.
Towing and Labor Coverage: This can help pay for roadside assistance, towing, and repairs if your motorcycle breaks down.
Gap Insurance: If you’re financing your motorcycle, gap insurance covers the difference between what you owe on your loan and the actual cash value of the motorcycle if it’s totaled.
Rider Coverage: You can also add coverage for a passenger or additional riders.

Savings Tips for Cost-Conscious Riders

Insurers look at a variety of factors when determining how much your insurance will cost. They consider your age, driving record, location, and kind of motorcycle.

Insurers often provide discounts to those who graduate from motorcycle training courses like the Motorcycle Safety Foundation (MSF) course. This training is especially useful for motorcyclists younger than 25 (considered high-risk by insurers). These classes also help riders who’ve been involved in accidents.

A solid driving record and no violations can help bring down your premiums.

Riders in northern states often save by purchasing “lay-up” policies. These policies are suspended in the winter (except comprehensive coverage) when riders don’t use their bikes.

Ask your agent which discounts your insurer provides, such as:
- Multi-bike discounts for riders with multiple bikes
- Organizational discounts for riders in motorcycle clubs and other associations
- Mature rider programs that reward experienced motorcyclists

(The qualifications for and availability of these discounts will vary, depending on your insurer and your state.)

The style (e.g. cruiser, custom, sport bike), age, and type of motorcycle you own, how many miles you will ride each year, and storage location of your motorcycle can also help determine your insurance costs.