Personal Insurance

Motorcycle Insurance — Built for the Ride

Motorcycle insurance isn't just a legal requirement — it's protection for you, your bike, and your gear. We work with carriers that understand motorcycle culture and write coverage for everything from daily commuters to custom builds.

Get a Motorcycle Quote Talk to an Advisor

What Motorcycle Insurance Covers

Liability Coverage

Covers bodily injury and property damage you cause to others. Required in most states — state minimums are often far below what a serious accident costs.

Collision Coverage

Pays to repair or replace your motorcycle after a collision. Usually required by lenders if you finance.

Comprehensive Coverage

Covers non-collision damage — theft (the #1 motorcycle claim), fire, vandalism, weather, and animal strikes.

Uninsured Motorist

Protects you if you're hit by a driver with no insurance — especially important given the severity of potential motorcycle injuries.

Medical Payments

Covers medical expenses for you and your passenger after an accident, regardless of fault.

Custom Parts & Equipment

Covers aftermarket add-ons, custom paint, chrome, and performance modifications — typically excluded from standard coverage unless specifically added.

Motorcycle coverage across all bike types

We write motorcycle insurance for cruisers, sport bikes, touring bikes, trikes, scooters, and custom builds — with carrier relationships that understand riders.

Types of motorcycles we cover

  • Cruisers (Harley-Davidson, Indian)
  • Sport and supersport bikes
  • Touring and adventure bikes
  • Naked and standard bikes
  • Scooters and mopeds
  • Trikes and three-wheelers
  • Custom and chopper builds
  • Vintage and classic motorcycles

Coverages Unique to Motorcycle Policies

Motorcycle-Specific

Riding Gear Coverage

Covers your helmet, jacket, gloves, boots, and other protective gear if damaged in a covered accident.

  • Helmet and riding jacket
  • Gloves, boots, and pants
  • Coverage for full gear value
  • Often $1,000–$3,000 sublimit
Motorcycle-Specific

Custom Parts & Accessories

Aftermarket exhaust, custom paint, saddlebags, and performance parts are not covered under standard coverage without an endorsement.

  • Aftermarket exhaust and pipes
  • Custom paint and chrome
  • Electronic add-ons
  • Coverage up to stated amount

Roadside Assistance

Motorcycle-specific roadside assistance includes towing to the nearest shop and fuel delivery — essential for longer rides.

  • Specialized motorcycle towing
  • Fuel delivery
  • Battery jump start
  • Lockout assistance

Trailer Coverage

If you haul your motorcycle on a trailer, that trailer may not be covered under your auto policy in all situations.

  • Owned trailer physical damage
  • Coverage while transporting
  • Ask about your specific situation
  • Verify auto policy terms

Trip Interruption

If your bike is damaged or breaks down far from home, this pays for lodging and meals while you wait for repairs.

  • Lodging and meal reimbursement
  • Must be a minimum distance from home
  • Typically $100–$200/day
  • Valuable for touring riders

Lay-Up Discount

If you store your bike for winter, some carriers offer a lay-up discount — reducing collision and liability while keeping comprehensive active.

  • Reduce premium during off-season
  • Comprehensive typically stays active
  • Must notify carrier
  • Check lay-up terms before purchasing

Common Questions

  • Yes — most states require at least liability insurance to legally operate a motorcycle. Even where minimums are low, we recommend higher limits given the severity of potential motorcycle accidents.

  • No — auto insurance policies specifically exclude motorcycles. You need a separate motorcycle insurance policy.

  • Rates depend on your age and riding experience, motorcycle type and value, how you use it, your driving record, where you live, and the coverage and deductibles you choose. Sport bikes generally cost more than cruisers.

  • Yes — liability coverage protects others injured in an accident, and medical payments coverage can extend to a passenger on your bike.

  • Standard policies may only cover the factory value. If you've added custom parts, you need a custom parts endorsement or an agreed value policy that reflects your bike's true value.

Get coverage that keeps up with your ride.

We write motorcycle insurance for every type of bike — from commuters to customs to collectors.

Get a Motorcycle Quote Talk to an Advisor