Motorcycle Insurance

The bodily injury and property damage liability limits have a minimum value required by law, along with higher available limits we recommend having matching limits on your motorcycle and auto policies. Comprehensive and Collision are highly recommended to be included on your policy as well, especially on newer motorcycle models.

Depending on your policy, motorcycle insurance may cover theft. For example, a policy with liability only will NOT cover theft of your motorcycle, comprehensive will need to be included. Most comprehensive insurance policies cover theft of your motorcycle whether it happens at home, on the road or during transport.  

The best place to buy motorcycle insurance is from a local, independent insurance agent who knows your area and the requirement of your state and your specific needs.

Remember that damages caused to someone’s property with your motorcycle will be not be covered by your home or auto policies.  Motorcycles are separately registered vehicles for road use and need their own policies.  Like auto insurance, liability coverage is required by law in most states. Also, you are more likely to get into an accident on a motorcycle than in a car and more likely to suffer greater injury, so it is in your best interest to have proper motorcycle insurance coverage including medical payments.