Motorcycle Insurance

The purpose of motorcycle insurance is to provide financial assistance if your motorcycle is stolen or damaged. It also offers assistance to pay for damage or costs associated with an accident. If you own a bike then you should at least have liability coverage on the vehicle.


Primary insurance for a motorcycle includes coverage for costs related to damages to the motorcycle. Coverage may pay all or part of the expenses, minus any deductible for which you are responsible. You will also have coverage if you harm another person or destroy their property.

It is possible you might want additional coverage for your motorcycle. Based on your insurance provider, some optional choices might include:

1. Payments for medical coverage in the event you need hospitalization or medical care.
2. Comprehensive coverage to pay for losses or damages due to things other than a collision. For example, this will cover damage caused by animals and weather disasters.
3. Coverage for damage or loss to motorcycle customizations and gear. This includes items such as sidecars, transport trailers, and helmets.
4. Full replacement coverage in case the motorcycle is destroyed beyond repair.
5. Uninsured/Underinsured coverage offers you financial assistance when you have an accident with an at-fault driver without enough insurance to cover your repairs.

Keep in mind that the amount of coverage you need depends on several things, such as the kind of motorcycle you have and its age.

What You Need to Know

Motorcycle insurance is similar to auto insurance, in that it provides the same type of coverage except it’s for a motorcycle instead of a car. One difference is that car insurance is mandatory to legally drive a vehicle, but motorcycle insurance is only mandatory in some states. You should check to see if your state requires motorcycle insurance.

If nothing else, you should get liability coverage. If you cause an accident, then liability will help you pay for any associated costs. The amount of financial help you receive depends on your policy. Your coverage might also cover medical bills for you and any passenger on your vehicle at the time of the accident.