Coverage for your bike when hitting the open road.
Motorcycle insurance personalized for you.
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage—no matter what journeys you find yourself on.
Motorcycle policies that bring you peace of mind.
As with auto insurance, motorcycle insurance policies are made up of several components, some of which are legally required while others are optional, but a smart buy.
Which coverages are legally required?
The absolute minimum coverage you’ll need when it comes to motorcycle insurance is liability insurance, which covers costs you have to pay to other people after an accident that’s your fault–including their medical bills and repairing or replacing their vehicle. Your state’s laws will set a minimum amount of coverage for liability insurance, but you may want the peace of mind of getting a higher coverage limit.
What do collision and comprehensive coverage offer?
Motorcycle collision coverage will pay out to repair or replace your bike after a crash, even if it’s deemed your fault. Meanwhile, comprehensive coverage adds in coverage for your bike being stolen, vandalized, or damaged by fire.
Optional coverages designed to protect your ride.
Other optional extras worth considering include specific coverage for custom motorcycle parts such as GPS or trailers that you’ve added to your bike and aren’t necessarily included in your standard policy. You can also get coverage that pays your costs if you’re involved in a collision with an uninsured driver or rider. Finally, don’t forget roadside assistance, which will get you to a repair facility if your bike has a mechanical breakdown or you suffer a flat tire.
We’re happy to talk through the details of motorcycle insurance, of course. Contact us, and we’ll lead the way.
Motorcycle Insurance FAQ
Why do I need a separate motorcycle insurance policy if I already have auto insurance?
Motorcycle insurance is a separate policy from auto insurance because motorcycles carry different risks, coverage needs, and rating factors than passenger vehicles. A standard auto policy typically excludes motorcycles, so relying on your car insurance to cover your bike could leave you exposed in an accident.
Can I reduce my motorcycle coverage during the off-season?
If you only ride during certain months, some insurers offer the option to adjust coverage while your motorcycle is in storage, often by keeping comprehensive coverage in place to protect against theft, fire, or vandalism while dropping liability and collision. Coverage options vary by insurer, so it’s worth speaking with your agent to see what’s available in your area.
Are there discounts available for motorcycle insurance?
Many insurers offer discounts for things like completing a motorcycle safety course, bundling your motorcycle policy with your home or auto insurance, being a mature rider, or having a clean driving record. Discounts vary by insurer, so check your coverage or talk with your agent.
What is the difference between agreed value and actual cash value coverage for a motorcycle?
Actual cash value coverage pays the depreciated value of your motorcycle at the time of a total loss, which may be less than what you paid for it. Agreed value coverage means you and the insurance company agree on a payout amount upfront, which can be especially valuable for custom, vintage, or collectible motorcycles. Speaking with your agent can help you determine which option fits your bike.
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As an independent agency, we are here to help you find the right Motorcycle Insurance coverage.
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Motorcycle Insurance Quote Request
As an independent agency, we are here to help you find the right coverage.
Get a Quote
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- Fill out the form, we’ll be in touch.
- Review options with an agent.
- Get the coverage you need.
