Do I need motorcycle insurance?
Yes! In most states, motorcycle liability insurance is required by law to help protect you, your bike, and others on the road. If you ride a Harley-Davidson, Yamaha, Kawasaki, Honda, Ducati, or any other motorcycle brand, having motorcycle liability insurance is a must. Whether you’re a weekend rider, daily commuter, or long-distance traveler, the right coverage protects you from costly accidents, repairs, and liability claims.
Compare Affordable Motorcycle Insurance Rates – Get the Best Coverage
At YourPolicy Insurance, we specialize in helping riders secure affordable motorcycle insurance with coverage tailored to their unique needs. Whether you own a cruiser, sport bike, touring bike, or custom chopper, we’ll help you compare rates and find a policy that fits your riding style and budget.
What does motorcycle insurance cover? The six basic types of insurance.
Motorcycle insurance protects riders against accidents, theft, and liability claims. A comprehensive motorcycle insurance policy includes six essential coverages: liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and accessory protection. At YourPolicy Insurance, we offer affordable motorcycle insurance designed to keep you and your bike protected on the road.
Liability Insurance
Motorcycle liability insurance covers injuries and property damage if you're at fault in an accident. It includes bodily injury liability for medical bills and property damage liability for vehicle or property repairs. Liability coverage is legally required in most states and essential for financial protection after a motorcycle accident.
Collision Coverage
Motorcycle collision insurance pays for repairs or replacement if your bike is damaged in an accident, regardless of fault. This coverage is especially important for high-value motorcycles. If you hit another vehicle or object, collision coverage ensures your motorcycle repair costs are covered, reducing out-of-pocket expenses.
Comprehensive Coverage
Comprehensive motorcycle insurance covers non-collision-related damages, including theft, vandalism, fire, weather damage, and animal collisions. If your bike is stolen or damaged by a natural disaster, this coverage helps with repairs or replacement. Riders looking for full motorcycle insurance coverage should consider adding comprehensive protection to their policy.
Uninsured & Underinsured Motorist Coverage
If an uninsured or underinsured driver causes an accident, this coverage helps pay for your medical expenses, lost wages, and bike repairs. Many riders overlook this, but it’s essential for motorcycle accident protection when others lack adequate insurance. It ensures you're covered even when the at-fault party isn’t.
Medical Payments Coverage
Medical payments coverage (MedPay) helps pay for medical expenses after a motorcycle accident, regardless of fault. It covers hospital bills, ambulance fees, and treatments for you and your passenger. Motorcycle MedPay insurance works alongside health insurance to reduce out-of-pocket medical costs, providing crucial financial protection in case of injuries.
Accessories & Custom Parts Coverage
Motorcycle accessories insurance protects custom parts like saddlebags, exhaust systems, GPS devices, and helmets. If your aftermarket motorcycle upgrades are damaged or stolen, this coverage helps pay for replacements. Riders who customize their bikes should ensure their motorcycle insurance policy includes protection for expensive add-ons and modifications.
Cargo Coverage: Protect Your Goods in Transit
Cargo coverage protects the goods being transported by your commercial vehicle. It covers loss or damage due to accidents, theft, or natural disasters while in transit. Essential for businesses shipping products, this coverage ensures your inventory is safe, preventing financial losses from damaged or stolen goods.
Over-the-Road/Long-Haul Coverage: Secure Your Long-Distance Trips
Over-the-road/long-haul coverage is designed for vehicles traveling long distances, offering protection for accidents, theft, and injuries during extended trips. It ensures your business is covered whether you're shipping regionally or cross-country, safeguarding your vehicle and driver from risks encountered on long-distance routes, reducing potential financial strain.
How Much Does Motorcycle Insurance Cost?
Motorcycle insurance rates vary based on factors like:
- Your riding experience – More experience often means lower rates.
- Your motorcycle type – Sport bikes generally cost more to insure than cruisers.
- Coverage level – Higher limits and full coverage cost more but provide better protection.
- Location – Rates may be higher in urban areas or states with higher accident rates.
- Discounts – Multi-policy, safe rider, and loyalty discounts can help you save.
The best way to find affordable motorcycle insurance? Compare rates and customize your coverage to fit your budget. Get a free quote today!
Motorcycle Insurance Discounts – Save More on Your Policy
Looking for affordable motorcycle insurance without cutting coverage? We offer several discounts:
- Safe Rider Discount – No accidents? You could qualify for a lower rate.
- Multi-Policy Discount – Bundle with home or auto insurance for big savings.
- Motorcycle Safety Course Discount – Complete an approved course and save.
- Loyalty Discount – Stay insured and earn lower rates over time.
You have questions. We have answers.
Common Motorcycle Insurance Questions.
Most states require at least liability insurance, which covers injuries or damage you cause to others. Check your state’s requirements to ensure compliance.
To get the lowest rates, maintain a clean driving record, complete a motorcycle safety course, bundle policies, and choose a higher deductible to lower your premiums.
Yes, comprehensive motorcycle insurance covers theft, vandalism, fire, and weather-related damage. It’s recommended for high-value or frequently used motorcycles.
Yes! Many insurers offer lay-up policies, allowing you to pause certain coverages during off-season months while maintaining protection against theft or damage.
Yes, you’ll need custom motorcycle insurance or vintage motorcycle coverage to protect rare or high-value bikes with agreed-value coverage and specialized repairs.
Standard motorcycle insurance does not cover track days or racing events. You may need specialized track-day coverage or racing insurance for protection.