Motorcycle Insurance
Keep Safe On The Road Ahead
About Motorcycle Insurance
Street cycles, Harley Davidsons, cruisers, touring bikes, dirt bikes and more — protect what you ride with a Motorcycle insurance policy.
Common Coverage Options
What You Need To Know
Custom Parts and Equipment
Chances are your motorcycle is not stock. Does your motorcycle have any extra chrome? What about an aftermarket exhaust or any other aftermarket parts?
Medical Coverage
This coverage provides for certain necessary medical expenses for you and any passenger that are the result of an accident.
Uninsured / Underinsured Motorist Coverage
This coverage typically pays for expenses associated with injury or death from an accident caused by an uninsured, underinsured, or hit-and-run driver. It also covers you if you are hit as a pedestrian.
Roadside Assistance / Trip Interruption
Roadside assistance and trip interruption coverage is available on most policies to assist you in the unlikely event of a breakdown.
Liability Coverage
You can pick the motorcycle insurance coverage that fits your needs. Most carriers offer underlying liability limits high enough to satisfy Personal Umbrella requirements, which means that you may be eligible for this additional coverage. In most states, Guest Passenger liability (mandatory on all street bikes) is automatically included at the same limit as your liability selection.
What People Are Saying
FAQ
What does motorcycle insurance typically cover?
Motorcycle insurance can cover liability, medical payments for you and passengers, uninsured/underinsured motorist protection, comprehensive, collision, custom parts and equipment, and roadside assistance. Guest passenger liability is typically included automatically on street bikes.Cover requirements will vary by state.
Does motorcycle insurance cover aftermarket parts and custom equipment?
Yes. Motorcycle policies may include coverage for aftermarket exhaust, chrome, and other custom parts or equipment added to the bike beyond the stock configuration; this must be added to the policy in most cases.
What is uninsured motorist coverage on a motorcycle policy?
Uninsured/underinsured motorist coverage pays for injury or death expenses if you’re hit by a driver who has no insurance, insufficient insurance, or flees the scene. It can also cover you if you’re struck as a pedestrian.
Is roadside assistance available on motorcycle insurance?
Yes. Roadside assistance and potentially trip interruption coverage is available on most motorcycle policies to help if your motorcycle breaks down while you’re on the road.
Can my motorcycle insurance qualify for a personal umbrella policy?
Potentially yes. Many carriers offer liability limits on motorcycle policies high enough to satisfy personal umbrella requirements, which means you may be eligible for that additional layer of coverage on top of your motorcycle policy. Keep in mind a personal umbrella is a separate policy to purchase.
What kinds of motorcycles can be insured — just street bikes?
No. Coverage is available for street cycles, Harley Davidsons, cruisers, touring bikes, e-bikes and dirt bikes, among others.
Who is covered under motorcycle guest passenger liability?
Guest passenger liability, which is required in most states for street bikes, covers the passengers riding with you. It is typically recommended at the same liability limit you select for your policy.
Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.
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