Motorcycle Insurance

What Is Motorcycle Insurance?

Motorcycle insurance protects you financially when riding your bike. It covers liability for injuries and property damage you cause to others, as well as damage to your motorcycle from accidents, theft, and other covered events.

Why You Need Motorcycle Insurance

• Required by law in most states to ride on public roads
• Protects you from expensive medical bills and injury claims
• Covers repair or replacement costs for your motorcycle
• Provides protection against uninsured riders
• May cover custom parts and accessories

Common Coverages

Liability coverage pays for injuries and property damage you cause to others. Collision coverage handles damage to your bike from accidents. Comprehensive coverage protects against theft, vandalism, fire, and weather damage. Uninsured motorist coverage protects you when another rider has no insurance. Medical payments coverage handles your medical expenses after an accident. Custom equipment coverage protects aftermarket parts and modifications.

Is Motorcycle Insurance More Expensive Than Auto Insurance?

Rates vary based on the bike type, your riding experience, and coverage choices. Sport bikes typically cost more to insure than cruisers. Taking a safety course and maintaining a clean driving record can help lower your premiums.