Comprehensive Motorcycle Insurance for Every Rider

Ride with confidence and safeguard your bike, your passengers, and yourself with a Motorcycle Insurance Policy. From liability coverage to collision protection, Motorcycle Insurance is designed to keep you protected on the road and beyond.


Motorcycle Insurance

What Does Motorcycle Insurance Cover?

  • Liability Coverage: Covers bodily injury and property damage you may cause to others while riding. Coverage limits can vary, with standard policies starting at $25,000 per person and $50,000 per accident for bodily injury.
  • Collision Coverage: Pays for damages to your motorcycle resulting from a collision with another vehicle or object, regardless of fault. Coverage is often based on the bike’s actual cash value minus your deductible.
  • Comprehensive Coverage: Protects your bike from non-collision incidents, including theft, vandalism, and weather-related damage. Combine it with our Hail Insurance and Fire Insurance for additional coverage options.
  • Medical Payments: Covers medical expenses for you and your passengers after an accident, regardless of who is at fault, with coverage limits ranging from $1,000 to $10,000.
  • Uninsured/Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who lacks adequate insurance.
  • Custom Parts & Equipment: Covers aftermarket upgrades and custom parts that aren’t typically included in standard policies, with limits usually starting at $3,000 and customizable as needed.
  • Roadside Assistance: Provides support if your motorcycle breaks down, including towing, battery jumps, and flat tire assistance.

Benefits of Motorcycle Insurance

  • Offers financial protection for repair and medical expenses after accidents.
  • Provides peace of mind with coverage against theft, vandalism, and environmental damage.
  • Meets state requirements for liability coverage and helps avoid costly out-of-pocket expenses.
  • Flexible policy options, allowing customization to suit your unique riding needs and budget.

Coverage Limits for Motorcycle Insurance

Coverage limits in a Motorcycle Insurance policy can be tailored to your needs and riding habits. Common limits include:

  • Liability Coverage: Standard limits begin at $25,000 per person and $50,000 per accident, with options to increase for additional protection.
  • Collision and Comprehensive Coverage: Based on the actual cash value of the motorcycle, with deductibles ranging from $250 to $1,000.
  • Uninsured/Underinsured Motorist Coverage: Limits generally match the liability coverage you select, providing robust protection against uninsured drivers.
  • Custom Parts Coverage: Typically starts at $3,000 but can be increased to reflect the value of customizations and equipment.

Get a Quote: What Information is Needed?

Our agents would love to help you find the right Motorcycle Insurance policy. For a customized quote, please provide:

  • Motorcycle Details: Year, make, model, and any aftermarket additions or customizations.
  • Riding History: Information on any previous insurance claims, riding experience, and safety certifications.
  • Coverage Preferences: Desired coverage types (e.g., liability, collision, comprehensive) and deductible amounts.
  • Personal Information: Age, address, and any applicable safety courses completed, which may impact premium rates.

Request Motorcycle Insurance Quote


Frequently Asked Questions

  • Does Motorcycle Insurance cover passengers? Many policies include passenger coverage, but it’s essential to confirm or add additional Medical Payments coverage for full protection.
  • What if my motorcycle is damaged by hail or fire? Comprehensive coverage protects against damage from events like hail and fire. Learn more about our Hail Insurance and Fire Insurance options for extra coverage.
  • Can I insure custom parts on my bike? Yes, custom parts and equipment coverage can be added to protect valuable aftermarket additions.
  • Is Roadside Assistance included in my policy? Many insurers offer Roadside Assistance as an optional add-on, covering towing, flat tires, and breakdowns.

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