While motorcycle insurance includes a few unique elements, the core coverage is structured like an auto policy:

  • Liability coverage

Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. This will depend on the laws of your state and the company issuing the policy.

  • Collision coverage

Collision insurance usually covers the book value of the motorcycle before the loss occurred.

  • Comprehensive coverage

Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, consider additional equipment coverage.

  • Uninsured/underinsured Motorist (UM/UIM)

Go to our auto insurace page for definitions and greater detail.

Tips for Premium Savings

Many factors can play a role in determining what your insurance costs will be.  The following are options to consider:

  • Complete a training course, such as the Motorcycle Safety Foundation (MSF) rider course

  • Maintain a good driving record with no violations. 

  • If available in your state, buy a “lay-up” policy, which suspends all coverage except liability during the winter months when the bike is not being used.

  • See if your motorcycle clubs or association may be offers an organizational discount

  • Investigate whether you are eligible for a mature rider discounts.

  • Before making a purchase, research how the type, style and age of the motorcycle may impact your premium

  • Track the number of miles you ride a year, as lower miles may result in lower premium

  • Where you store your bike may also affect your insurance premiums.