Motorcycle Insurance
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Do I Need Motorcycle Insurance?
Ride Free with Affordable Motorcycle Insurance
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.
Motorcycle Insurance is designed to cover motorcycles used as personal transportation. It is not designed to cover any commercial applications, such as deliveries or racing. For those types of coverage, see Commercial Vehicle Insurance and the appropriate Business Insurance products.
How to Get Affordable Motorcycle Insurance
There are a couple of ways riders can lower motorcycle insurance premiums.
- When choosing between motorcycles, the smaller the engine (in cubic centimeters, or cc’s), the cheaper the insurance will typically be. Consider researching pricing thresholds from different carriers, or simply buy the bike with the smallest engine that fulfills your needs.
- Insurance companies such as Progressive and Geico offer discounts to riders who complete a motorcycle safety course.
- Joining a motorcycle organization like Harley Owners Group (H.O.G.) offers financial benefits and more opportunities to ride the bike. In the Discounts and Determination of Rates section below, find more ways to get cheap motorcycle insurance.
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 (like the Honda Gold Wing), anti-lock brakes(ABS), or other safety features will reduce your bike insurance premium.
If your bike 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.
Motorcycle Theft and Loss
The National Insurance Crime Bureau (NICB) published the following most stolen motorcycle makes and states in the United States:
TOP 5 Makes Stolen in 2022
- Honda (10,631)
- Yamaha (8,358)
- Harley-Davidson (6,333)
- Kawasaki (6,260)
- Suzuki (4,886)
TOP 3 States in Motorcycle Thefts in 2022
- California (9,838)
- Florida (4,563)
- Texas (4,145)
Find more facts about motorcycle theft in the full report. Percentages represent reported motorcycle thefts in the U.S.
Frequently Asked Questions (FAQs)
Get clear answers to common insurance questions and important details to guide your coverage decisions.
What is motorcycle insurance and do I need it?
Motorcycle insurance provides financial protection for riders in case of accidents, theft, or damage. It is required in most states and protects against financial liabilities in case of an accident or theft.
What does motorcycle insurance cover?
Coverage includes liability, collision, comprehensive, medical payments, PIP, and uninsured/underinsured motorist coverage.
How much does motorcycle insurance cost?
Average costs are $141 per year for liability-only and $364 per year for full coverage, varying by factors like age and bike type.
How can I save money on motorcycle insurance?
Maintain a clean driving record, take safety courses, bundle policies, and compare quotes to save.
How do I choose the right motorcycle insurance for me?
Consider motorcycle type, experience, budget, and compare coverage options from different insurers.
