Quick Answer: What Motorcycle Insurance Do You Need?
Most states require at least liability coverage for motorcycles. If your bike is financed or newer, full coverage including collision and comprehensive is strongly recommended. Rates vary significantly between carriers — comparing quotes is the fastest way to find the best price for your specific bike and riding history.
Why Compare Motorcycle Insurance Rates?
Motorcycle insurance is required in most states, and rates vary dramatically between carriers for the same rider and bike. Taking a few minutes to compare quotes can save you hundreds of dollars per year. OwlQuotes.com makes it easy to get multiple quotes completely free — no pressure, no obligation.
What Does Motorcycle Insurance Cover?
- Liability coverage. Pays for injuries and property damage you cause to others. Required in most states.
- Collision coverage. Pays for damage to your motorcycle from a collision regardless of fault.
- Comprehensive coverage. Covers theft, vandalism, weather damage and other non-collision events.
- Uninsured motorist coverage. Protects you if you're hit by a driver with little or no insurance.
- Medical payments coverage. Helps pay your medical expenses after an accident regardless of fault.
- Roadside assistance. Covers towing and emergency services if you break down.
- Custom parts and equipment. Covers aftermarket additions and customizations to your bike.
5 Ways to Lower Your Motorcycle Insurance Premium
- Take a motorcycle safety course — most insurers offer discounts of 5–15%
- Bundle motorcycle and auto insurance with the same carrier for a multi-policy discount
- Store your motorcycle in a locked garage to reduce theft risk
- Choose a higher deductible to lower your monthly premium
- Compare quotes from multiple carriers every year — rates change and loyalty rarely pays
Motorcycle Insurance FAQs
Is motorcycle insurance required by law?+
Most states require at least liability insurance for motorcycles. A few states have no requirement but riding uninsured is a significant financial risk. Check your state's specific requirements before hitting the road.
Does my auto insurance cover my motorcycle?+
In most cases, no. Standard auto insurance policies do not cover motorcycles. You need a separate motorcycle insurance policy specifically designed for two-wheeled vehicles.
Can I get insurance for a seasonal motorcycle?+
Yes! Many insurers offer seasonal policies that reduce or suspend certain coverages during winter months when you're not riding. This can significantly lower your annual premium without leaving you unprotected during riding season.
How can I get the cheapest motorcycle insurance?+
Compare quotes from multiple carriers, complete a safety course, bundle with your auto policy, raise your deductible, store your bike securely, and maintain a clean riding record. OwlQuotes.com makes comparing multiple quotes fast and free.
Does motorcycle insurance cover custom parts?+
Standard policies may cover factory parts but not aftermarket additions. If you've customized your bike with custom parts or equipment, ask your insurer about adding custom parts coverage to protect your investment.
