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MOTORCYCLE INSURANCE

Motorcycle insurance for riders.

Motorcycles are not covered under personal auto policies. Almost every state requires a separate motorcycle policy with at least minimum liability limits. Coverage gaps are common because medical costs from a motorcycle accident are higher and riders are more exposed than drivers.

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WHAT'S COVERED

What a motorcycle policy covers.

Liability coverage

Pays for injuries and property damage you cause to others in an at-fault accident. State minimums are almost never enough to cover a serious accident with injuries.

Collision and comprehensive

Collision pays for damage to your motorcycle from an accident. Comprehensive pays for theft, vandalism, weather, fire, and falling objects. Both are typically required if you have a loan.

Uninsured and underinsured motorist

Pays medical bills and lost wages if you are hit by a driver with no insurance or not enough insurance. Especially important for riders because medical costs from motorcycle accidents are higher.

Medical payments and accessory coverage

Medical payments coverage handles medical bills for you and any passenger regardless of fault. Accessory coverage covers aftermarket parts, custom paint, saddlebags, and gear that base policies often cap at low limits.

IMPORTANT LIMITATIONS

What a motorcycle policy does not cover.

Track use and racing

Track days, racing, and competitive use are typically excluded under standard motorcycle policies. Track-day insurance is a separate product available through specialty carriers.

Operating without proper licensing

Riding without a valid motorcycle endorsement or while under suspension may void coverage. Confirm your endorsement is current and required for the class of motorcycle you ride.

Custom equipment beyond standard limits

Aftermarket parts, custom paint, performance upgrades, and accessories are typically capped at $1,000 to $3,000 unless you specifically schedule them with the carrier.

Wear, tear, and mechanical breakdown

Damage from age, normal wear, and mechanical breakdown is excluded. Motorcycle insurance covers sudden accidental loss, not maintenance.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Riding without enough coverage?

State minimum motorcycle liability is rarely enough to cover a serious accident. Send us your motorcycle details and riding history and we will quote proper coverage including UM and gear coverage.

Varies by state, rider age and experience, motorcycle type and value, location, and coverage limits. Most riders pay between $200 and $700 per year for typical coverage. Sport bikes and high-horsepower motorcycles cost more.

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