Motorcycle insurance provides financial coverage in the event a motorcycle is damaged, lost, or stolen. It can also include liability coverage should you be responsible for damage to property and personal injury. As with most automotive coverage, motorcycle insurance is mandated throughout the United States.

Always make sure a particular motorcycle insurance plan covers your personal requirements and situation. Premiums may differ based on selected coverage, but many plans will offer a combination of vehicle and personal coverage. While most companies will offer insurance for personal injury, property damage, motorcycle collision, and uninsured motorist, not all will cover mechanical breakdowns.

There are a few fundamental questions you should make sure to ask prior to selecting a motorcycle insurance policy. What is the process for submitting a claim? Are there any policy discounts available? Is 24/7 roadside assistance offered? If so, are emergency repair services available?


Top 7 Companies

#1
9.5 / 10
  • Provides some of the most comprehensive coverage on the market
  • Covers passengers as well as riders
  • Rental reimbursement
  • Loyalty discount for customers with the company for more than a year
  • Homeowners discount available
#2
9.3 / 10
  • The Harley Davidson insurance specialists since 1903
  • A+ Rating
  • Wide range of discounts available
  • Designed to protect everything that Harley is built on
  • The Rider, Your Motorcycle, Freedom, Independence & The Harley Way
#3
9.2 / 10
  • Industry leader in motorcycle insurance
  • Competitive rates, plenty of discounts
  • Bike insurance for as little as $75 a year
  • Full replacement cost and no depreciation for parts
  • Total loss coverage for brand new bikes
  • Coverage for gear and personal belongings
#4
Our Partner
9.2 / 10
  • Up to $30,000 in accessory coverage
  • Diminishing deductible
  • Accident forgiveness
  • Roadside assistance and trip interruption
  • Flexible deductibles
  • Mechanical breakdown coverage
  • Rental reimbursement
  • Policies start at $50
  • Save up to 35% with multiple discounts
#5
Our Partner
9.0 / 10
  • Allstate coverage customized with riders in mind
  • Riders can save up to 50% with Allstate
  • Allstate has been in business over 80 years
  • Comprehensive motorcycle collision coverage
  • New motorcycle replacement coverage
  • Also covers up to $1000 worth of customizations to your Bike
  • 24/7 claim services & Accident forgiveness
#6
8.8 / 10
  • Covers custom and classic motorcycles, scooters, sidecars, more
  • Trip interruption, emergency roadside expenses
  • Theft, fire, vandalism, and other losses covered
  • Strong financial ratings
  • 24/7 claims service
#7
7.2 / 10
  • Only available for US military personnel and their families
  • USAA Members get a 5% Discount
  • 24/7 claims and customer assistance
  • Good list of discount options
  • Strong financial ratings
  • Get a free quote
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How We Compare Motorcycle Insurance

Coverage and Benefits

35%

So how well does your insurance policy financially protect you against medical expenses or motorcycle repairs? This is definitely something you should consider seriously.  A few extra dollars spent getting a motorcycle insurance policy that offers more extensive coverage is cheaper compared to what you have to pay for in terms of costly uncovered repairs. 

Vehicle Coverage

Collision – is a must for any insurance policy. This covers for damages incurred during an accident.

Comprehensive – mostly an optional add-on, this covers for any non-collision damage such as fire, storms or theft.

Mechanical breakdown – collisions and accidents are not the only things you should look out for. This coverage ensures that help is available.

Optional equipment coverage – this covers expenses for repairing or replacing accessories or equipment not included in the manufacturer’s original specifications.

Total loss coverage – covers for the actual cost of replacing the motorcycle when totaled.

Roadside assistance – towing and labor services, fluid replacement, battery are a must for keeping you on the road.

 

Policy Coverage

This refers to coverage for personal injuries to the driver or passengers and property damage liability. Covered items are also found in standard auto insurance policies. 

Uninsured/ underinsured motorist’s liability – coverage for damages for personal injury or property liability for drivers with inadequate or no insurance.

Medical expenses – refers to the amount the policy is willing to shoulder for medical care.

Property damage liability – pays for damages to another person’s property resulting from the accident. 

Passenger personal injury protection - coverage for passengers including payments for medical expenses due to injury


Customer Experience

30%

Accidents can happen anytime and knowing that your auto insurance would be there is priceless. From roadside assistance to 24/7 claim reporting, a good auto insurance provider must be there to help you in every step. A great auto insurance service does not only offer great products, what happens after you’ve signed the policy should also be given equal importance.

24/7 Road side assistance

Towing and repair

Fluid replacement

Battery


Pricing and Discounts

20%

Motorcycle insurance might not cost as much as insuring a car or pickup but having the option of lowering premiums can be a deal breaker.

Multi-vehicle discount – most of the companies offering motorcycle insurance also provide insurance products for other types of vehicles. This makes insuring all your vehicles under one company more attractive.

Switch discount – discounts for owners switching from another insurance provider

Multiple motorcycle discount – similar to multi-vehicle discounts, lower your premiums by having your motorcycle and trike for example under one company.

Claim-free discount – although this is something you enjoy down the road, enjoy the benefits of lowering your premiums by maintaining a claim-free record.

Safe driver discount – enroll in a safe driver course

Pay-in full discount – get a better deal by paying your policy in full

Anti-theft – protect your motorcycle against theft and get a discount


Financial Strength

15%

We take into a look into a company’s current financial rating by using scores from industry-trusted sources.  A company’s financial ratings do not only reflect their resources but also a testament to sound business policies.

A.M Best Financial Rating

A.M. Best Issuer Rating

S&P Financial Strength

S&P Issuer Strength

 



What's important to know about Motorcycle Insurance?


Is motorcycle insurance required?

All but three states mandate motorcycle insurance. They are Florida, Montana, and Washington. If you live in these states, it still makes sense to get at least a basic policy as you will be held financial responsible in the event an accident is your fault just as you would anywhere else. All other states will require a rider to show proof of sufficient insurance in order to register their motorcycle. Additionally, mandatory minimums will fluctuate by state, as states have their own low end limits on what they will accept for liability, personal injury, and property damage coverage.

What kinds of bikes does motorcycle insurance cover?

All motorcycle insurance policies cover standard bikes. Standard motorcycles traditionally are affordable bikes with mid-range engines, bars, and foot controls; and comfortable and upright sitting positions. Depending on the insurance carrier chosen, other covered bikes could also include touring bikes, dirt bikes, trikes, scooters, mopeds, ATVs and autocycles.

What kinds of things are covered by motorcycle insurance?

Motorcycle insurance, like car insurance, is often a combination of multiple policies that cover you and your vehicle in different ways. Liability insurance is the most basic policy motorcycle owners should get and is required by most states. If you are at fault in an accident, liability insurance will help you pay for any injuries (or Bodily Injury) or damage (Property Damage) you caused to the other parties. Insurance requirements differ by state, so make sure to check before purchasing a policy. In addition to the minimum coverage requirements, most motorcycle owners opt to include other coverage for more extensive protection.

Full Replacement Coverage will cover the costs of a full replacement of your bike if it’s totaled and can’t be repaired.

Collision Coverage protection helps pay for repairs to your motorcycle after an accident.

Comprehensive Coverage will cover any damage to your motorcycle unrelated to a collision (for example, theft, vandalism or natural disasters).

Personal Bodily Injury Coverage (Medical Expenses) helps pay for medical care you require from an accident.

Uninsured/Underinsured Motorist Coverage is useful if another driver is at fault and lacks the insurance coverage necessary to pay for your costs.

Accessory Coverage protects upgraded accessories such as transport trailers, sidecars, and safety apparel.

Passenger (or Rider) Coverage will protect the person riding with you in the event of an accident.

Cash Benefit will provide benefits to you or your family if you are involved in a serious accident, no matter who is at fault.

Does motorcycle insurance cover passengers?

Motorcycle insurance offers coverage for passengers, but the extent of protection depends on the type of coverage you've chosen and the state in which you live. A separate and specific guest passenger liability option will cover medical costs for your passenger but only if you caused the accident. If the other party is at fault, you will have to rely on their liability coverage. An optional medical payments coverage will also cover medical bills for your passenger regardless of fault. Additionally, personal injury protection (PIP) might cover a passenger depending on where you live as this type of "no fault" insurance is not offered in every state.

What is motorcycle lay-up insurance?

Motorcycle lay-up insurance is bare bones coverage you can purchase for when your motorcycle is in storage. This type of reduced rate coverage does not provide collision and liability for accidents that occur on the road, but rather for things that might happen to the bike while it is not being used. This could include vandalism, theft, or any other incidental damage. Lay-up insurance is ideal especially for those who live in colder climates and store their motorcycle for the winter. Paying the reduced premium provides peace of mind during these times, as if you were to cancel your policy outright you'd be 100% financially responsible for anything that happens to the bike in storage.