Why Compare Motorcycle Insurance Rates?
Motorcycle insurance is required in most states, and rates vary significantly between carriers. Taking a few minutes to compare quotes can help you find the best coverage at the lowest price. OwlQuotes.com makes it easy to get multiple quotes in minutes — completely free.
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.
- Comprehensive coverage. Covers theft, vandalism, weather and other non-collision events.
- Uninsured motorist coverage. Protects you if hit by a driver with little or no insurance.
- Medical payments coverage. Helps pay medical expenses after an accident.
- Roadside assistance. Covers towing and emergency services.
Tips to Lower Your Motorcycle Insurance Premium
- Take a motorcycle safety course — many insurers offer discounts
- Bundle motorcycle and auto insurance with the same carrier
- Store your motorcycle in a garage to reduce theft risk
- Choose a higher deductible to lower your monthly premium
- Maintain a clean driving record
- Compare quotes from multiple insurers every year
Motorcycle Insurance FAQs
Is motorcycle insurance required by law?+
Most states require at least liability insurance for motorcycles. Requirements vary by state so check your local laws.
Does my auto insurance cover my motorcycle?+
In most cases, no. Auto insurance policies typically do not cover motorcycles. You need a separate motorcycle insurance policy.
Can I get insurance for a seasonal motorcycle?+
Yes! Many insurers offer seasonal policies that reduce coverage during winter months, which can significantly lower your annual premium.
How can I get the cheapest motorcycle insurance?+
Compare quotes from multiple carriers, take a safety course, bundle policies, raise your deductible, and maintain a clean driving record.
