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Motorcycle Insurance: What is it?

Whether you ride a sport bike, cruiser, or touring motorcycle your state requires coverage for bodily injury and property damage. Additional minimum bike insurance required varies by state. For instance, Florida requires Personal Injury Protection (PIP) while Nebraska and Wisconsin require Uninsured Rider Insurance (UM). Your agent can help you discover the minimum Motorcycle Insurance required by your state.

There are a couple ways riders can lower motorcycle insurance premiums. When choosing between motorcycles consider maximizing cc's up to the point insurance rates jump or just opting for a smaller engine. Insurance companies, like Progressive and Geico, offer discounts to riders who take a motorcycle safety course. In addition, joining a motorcycle organization like Harley Owners Group (H.O.G.) has financial benefits as well as providing more opportunities to take out the bike. In the Discounts and Determination of Rates section find more ways to get cheap motorcycle insurance.

Motorcycle Insurance is designed to cover motorcycles used as transportation. It is not designed to cover any commercial applications of motorcycles, such as deliveries or races. For these kinds of coverages, see Commercial Vehicle Insurance and appropriate Business Insurance products.

Policy and Coverage Options for Motorcycles

  • Bodily Injury Coverage
      (Injury or death of passenger or other motorist)
  • Property Damage Coverage
      (Damage to other’s property by your bike)
  • Collision Coverage
      (Accidents: Damage to motorcycle)
  • Medical Payments or Personal Injury Protection
      (PIP: Lost income, Hospital expenses, etc.)
  • Comprehensive Coverage
      (Theft, Wind, Other Non- Accident Events)
  • Uninsured/ Underinsured Motorist Bodily Injury
      (Protection if other motorist’s fault)
  • SR-22
      (SR22: High risk coverage)

Discounts and Determination of Motorcycle Coverage Rates

  • No Recent Accidents
  • Insure More Than 1 Vehicle (Motorcycle or Car)
  • Be a Mature Rider
  • Own a Home
  • Be a Member of a Motorcycle Group
  • Complete Motorcycle Safety Course
  • Have Continuous Motorcycle Insurance Coverage
  • Equip Motorcycle with Safety Features
  • Ride a Motorcycle with Lower cc's
  • Get Seasonal Coverage Discounts (If applicable)

Who Needs Motorcycle Insurance?

If you eBay’d a Kawasaki Ninja, traded your Civic for a Honda CBR, or bought a BMW R1200GS —whether you ride it or not!—you need motorcycle insurance coverage to protect you from theft, collision, and other common exposures.

Important Considerations

Many new motorcycle riders consider insurance a barrier to purchasing a bike. Keep in mind that insurance premiums decrease proportionally to years of riding. Experience is an important factor to insurance companies when assessing risk.

Before buying a new or used bike consider the safety features. Motorcycles that come equipped with airbags, anit-lock brake system (ABS), or other safety feature will decrease your bike insurance premium.

If your cycle will be in an area susceptible to non- accident events, such as theft, fire, or wind, comprehensive coverage might be a valuable safety net. In urban or well populated areas comprehensive coverage is crucial. See what could happen to your bike when parked on the street. Note the turquoise van that drives by 10 seconds into the video.

Honda CBR600RR 2007 STOLEN!
Source: YouTube
Rating: TV-G

Motorcycle Theft and Loss

The National Insurance Crime Bureau (NICB) published the following 2011 motorcycle theft statistics:

TOP 5 Makes Stolen  TOP 5 States in Motorcycle Thefts
1. Honda 24%   1. California 13%
2. Yamaha 19%
  2. Texas 8%
3. Suzuki 16%   3. Florida 8%
4. Kawasaki 11%   4. North Carolina 5%
5. Harley-Davidson 7%
  5. Indiana 5%

Find more facts about motorcycle theft in the full report. Percentages represent reported motorcycle thefts in the U.S.

Related Motorcycle Insurance Articles

Motorcycle Insurance Basics
Vehicle Insurance Insuring Your Motorcycle
Motorcycle Crashes
Purchasing Auto Insurance on the Internet


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