Motorcycle insurance

Overview

Motorcycle insurance is your road-ready companion—offering freedom, protection, and peace of mind every time you gear up and ride. Whether you cruise country roads on a classic cruiser, carve corners on a sportbike, or take scenic detours on a touring bike, motorcycle insurance is built to cover you, your bike, and your journey when the unexpected hits the brakes.

Riding a motorcycle is an experience like no other—thrilling, freeing, and deeply personal. But it's also a responsibility. Accidents, weather, theft, or even simple mishaps can lead to serious expenses. Motorcycle insurance is designed to shield you from those risks so you can focus on the ride, not the “what-ifs.”

Motorcycle insurance isn’t just a legal requirement—it’s a smart, rider-focused shield that lets you chase the horizon with confidence. Whether you ride for commuting, touring, or pure joy, the right policy ensures that every ride is protected. So zip up your jacket, pull on your helmet, and roll out knowing your bike, your finances, and your freedom are well covered.

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what motorcycle insurance typically covers

Liability Coverage

Required in most states, this covers bodily injury and property damage you may cause to others in an accident. If you're found at fault for injuring another driver or damaging their vehicle or property, this coverage helps with legal fees, medical bills, and repair costs.

Collision Coverage

Pays to repair or replace your motorcycle if you're involved in an accident, regardless of who’s at fault. Whether you hit another vehicle or lose control and slide out, this coverage helps you get back on the road faster.

Comprehensive Coverage

Protects your bike from non-collision-related incidents like theft, vandalism, fire, severe weather, or falling objects. It’s your safeguard when the damage comes from something other than a crash.

Uninsured/Underinsured Motorist Coverage

Steps in if you're hit by a driver who has little or no insurance. It can help cover your medical bills, lost wages, and repairs, ensuring you're not left paying for someone else’s mistake

Medical Payments

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

Accessory and Custom Parts Coverage

Motorcycles often carry custom paint, saddlebags, chrome parts, or upgraded exhaust systems. This optional coverage ensures your personalized upgrades are protected if damaged or stolen.