Just bought a bike? Before you hit the road, make sure you’re covered. Motorcycle insurance doesn’t just meet state requirements—it protects your ride, your wallet, and your health.
Why You Need It
Most states require liability insurance. That covers injuries and damage you cause in an accident. But you’ll want more than the bare minimum. A strong policy helps:
- Replace or repair your bike
- Pay for your medical bills
- Protect you from lawsuits
Key Coverage Types
Know what each part of your policy does:
- Liability – Covers injuries or damage you cause
- Collision – Pays for repairs if you crash
- Comprehensive – Covers theft, fire, and weather damage
- Uninsured/Underinsured Motorist – Protects you if the other driver doesn’t have enough insurance
- Medical Payments or PIP – Helps with your medical bills, regardless of fault
Cost Factors
Your rate depends on your age, bike type, location, riding history, and how often you ride. Safety course discounts can help lower your cost.
What If You Only Ride Sometimes?
Even occasional riders need insurance. Canceling during winter leaves your bike exposed to theft or damage. Instead, ask about “lay-up” policies that lower premiums while still protecting your bike.
Extras You May Want
- Roadside Assistance – For breakdowns or flat tires
- Accessory Coverage – For custom parts and gear
- Trip Interruption – Covers hotel and food if your bike breaks down far from home
Ride Smart, Stay Covered
Insurance gives you peace of mind so you can enjoy the ride. Don’t guess at coverage—get advice from someone who knows motorcycles.