Motorcycle Insurance

Whether you ride daily, on weekends, or only during certain seasons, motorcycle insurance can help protect you from the financial impact of accidents, theft, damage, and liability claims. Understanding your coverage options can help you ride with confidence and choose protection that fits your needs.

About Motorcycle Insurance

Motorcycle insurance is designed to help cover costs associated with accidents, injuries, vehicle damage, theft, and other unexpected events involving your motorcycle.

Because motorcycles face unique risks on the road, riders often have different coverage needs than drivers of passenger vehicles. The right insurance policy can help protect your investment while offering support when the unexpected happens.

What Motorcycle Insurance Typically Covers?

  • Damage to your motorcycle after a covered accident
  • Injuries to you or others involved in an accident
  • Damage to another person’s property
  • Theft of your motorcycle
  • Vandalism, fire, and certain weather-related events
  • Legal expenses related to covered liability claims
  • Accidents involving uninsured or underinsured drivers. You must request to have uninsured motorist added to your policy.
  • Optional coverage for custom parts, accessories, and riding gear

Common Motorcycle Insurance Coverage Options

  • Liability Coverage – Covers injuries or property damage you cause to others.
  • Collision Coverage – Helps pay for repairs to your motorcycle after an accident.
  • Comprehensive Coverage – Covers theft, vandalism, fire, weather damage, and other non-collision incidents.
  • Medical Payments Coverage – Helps cover medical expenses after a covered accident.
  • Uninsured/Underinsured Motorist Coverage – Provides protection when another driver lacks adequate insurance.
  • Accessory Coverage – Helps protect custom parts, modifications, and aftermarket equipment.
  • Roadside Assistance – Offers towing and emergency roadside services if your motorcycle becomes disabled.

Who Can Get Motorcycle Insurance?

Motorcycle insurance is available to most licensed riders and motorcycle owners.

You may be eligible for coverage if you are:

  • A new motorcycle owner
  • A first-time rider with a motorcycle endorsement
  • An experienced rider looking to update or switch coverage
  • An owner of a cruiser, sport bike, touring bike, scooter, or other street-legal motorcycle
  • A seasonal rider who stores their motorcycle part of the year
  • A rider with a financed or leased motorcycle
  • An owner of multiple motorcycles seeking coverage for more than one bike

Information You May Need When Applying

We’ll ask you for:

  • Name
  • Address of where the motorcycle is stored
  • Motorcycle year, make, and model
  • Vehicle Identification Number (VIN)
  • Current or previous insurance details, if needed

Popular Motorcycle Insurance Questions

The cost of motorcycle insurance can depend on factors such as:

  • Rider age and experience
  • Motorcycle type and value
  • Riding history
  • Location
  • Coverage selections
  • Annual mileage
  • Claims history

Some riders adjust coverage levels during periods when their motorcycle is stored, though maintaining certain protections year-round may still be beneficial.

It’s a good idea to review your policy annually or whenever you purchase a new motorcycle, add custom equipment, move, or experience other major life changes.

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