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 9 Companies

#1
Our Partner
9.1 / 10
  • Allstate Has 84 Years Experience
  • 24/7 claim services
  • Comprehensive Motorcycle Collision Coverage
  • Accident Forgiveness
  • Save up to 50% with Allstate
#2
Our Partner
9.1 / 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
#3
9.1 / 10
  • 24/7customer services
  • Mature rider discount
  • Competitive premiums
  • Coverage for a wide variety or motorcycles including custom bikes
  • Roadside assistance
  • Flexible payment options
#4
9.0 / 10
  • 24/7 roadside assistance
  • Accident forgiveness
  • Repairs guaranteed
  • Mobile app
  • Claim-free discount
  • Coverage for customized and classic motorcycles
#5
8.0 / 10
  • Strong financial ratings
  • Custom, trike, side car and vintage motorcycles
  • Trip interruption, emergency roadside expenses
  • 24/7 claims service
  • Great customer service
#6
7.1 / 10
  • 24/7 claims and customer assistance
  • Good list of discount options
  • Only available for US military personnel and their families
  • Strong financial ratings
  • Roadside assistance
#7
6.5 / 10
  • Total loss coverage
  • Up to $30,000 coverage for custom equipment and sidecars
  • Protection for custom, classic, performance bikes
  • Optional equipment coverage
  • Trip Interruption coverage, emergency expenses
  • Accident forgiveness
#8
6.4 / 10
  • Roadside assistance
  • Trip interruption coverage
  • 24/7 claim  services
  • Multi-policy discounts
  • First accident waiver
#9
Our Partner
6.4 / 10
  • Up to $50,000 coverage
  • Custom equipment coverage
  • Vanishing deductibles
  • OEM endorsement
  • Flexible payment plans
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How We Compare Motorcycle Insurance

Coverage

30%

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


Support Services

20%

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


Claims Processing

15%

In the unfortunate event that you find yourself in a motorcycle accident or collision, knowing that you’re insurance company’s lines are open helps reduce the pressure of an already stressful situation.  

24/7 claims processing – accidents by nature are unplanned and could happen anytime during the day. Having someone at the other end of the line is a must for any motorcycle insurance policy.

Mobile claims – file a claim through a mobile device

Telephone claims – speak with an agent by making a telephone call


Discount Options

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 Ratings

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

 



Customer Questions & Answers

What does Motorcycle Insurance cover?

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.

Is Motorcycle Insurance required and how much do I need?

All states require basic liability insurance that covers bodily harm and property damage. Each state’s requirements vary, so you will want to check with your state before purchasing a policy.

Just because you meet the coverage requirements doesn’t mean you shouldn’t look into additional coverage options. It’s no secret that motorcycle accidents are more dangerous than car accidents. An estimated 80% of motorcycle accidents result in injury or death, and the chances of damaging your bike are high, so consider if you can afford to pay for damage to your bike or body when selecting a motorcycle insurance plan.