Coverage for riders
Motorcycle insurance for the open road.
Protect yourself and your bike with coverage designed for motorcyclists.
From sport bikes to cruisers, we'll find the right coverage for your ride.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Motorcycle Insurance 101
What does motorcycle insurance cover?
Motorcycle insurance includes liability (for damage you cause), collision (for your bike), comprehensive (for theft and non-collision damage), and medical payments. You can also add coverage for accessories and custom parts.
Rates depend on your bike, riding experience, and location. Many insurers offer discounts for safety courses, anti-theft devices, and bundling with other policies.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Describe your bike
Tell us about your motorcycle, how you ride, and any custom parts.
All types of bikes covered
Step 2
Compare quotes
See options from insurers who understand motorcycles and riders.
Specialized motorcycle carriers
Step 3
Ride protected
Choose your coverage and get your insurance card instantly.
Coverage starts today
Key decisions
Everything you need to make the right choice
Learn how motorcycle insurance works, discover ways to save, and get the protection you need—all without the headache.
Custom parts coverage
Protect aftermarket accessories, custom paint, and upgraded parts.
Riding gear protection
Coverage for your helmet, jacket, boots, and other riding equipment.
Roadside assistance
Get towing and help when you need it—designed for motorcycles.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Finding coverage for custom and vintage motorcycles
- Explaining accessory and gear coverage options
- Discounts for safety courses and riding associations
- Help with seasonal coverage options
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about motorcycle insurance
How is motorcycle insurance different from auto insurance?
+
Motorcycle insurance covers similar risks—liability, collision, comprehensive—but also includes motorcycle-specific coverages like accessory coverage for custom parts, riding gear protection, and roadside assistance designed for bikes. Rates also factor in the bike type and your riding experience.
Can I get discounts on motorcycle insurance?
+
Yes! Common discounts include completing a motorcycle safety course (10-15% off), bundling with auto or home insurance, being a member of a motorcycle association, having anti-theft devices, and maintaining a clean riding record.
Do I need motorcycle insurance if I only ride seasonally?
+
Yes, you need coverage whenever you ride. Many insurers offer seasonal or lay-up coverage that reduces your premium during months when your bike is stored. This maintains comprehensive coverage while eliminating liability and collision costs.
Ready to see how much you can save on motorcycle insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
Motorcycle Insurance guides and resources
Dive deeper into motorcycle insurance topics with our in-depth guides and comparisons.
Motorcycle Insurance: Complete Guide
Complete guide to motorcycle insurance covering liability, collision, comprehensive, and riding gear protection. Compare costs and find the best coverage.
Read moreMotorcycle Insurance for New Riders
First-time riders pay 27% more for motorcycle insurance. Learn how safety courses save you 5-15%, what coverage you need, and smart strategies to lower premiums.
Read moreMotorcycle Insurance Requirements by State
Motorcycle insurance rules vary by state. Learn minimum coverage requirements, which states don't require insurance, and how helmet laws affect coverage.
Read moreHow Much Does Motorcycle Insurance Cost?
Motorcycle insurance averages $399/year for full coverage. Learn what affects your premium—bike type, age, location, storage—and how to save on costs.
Read moreMotorcycle vs Car Insurance
Motorcycle insurance costs 50-70% less than car insurance but offers unique coverages. Learn about seasonal policies, accessory coverage, and why medical coverage matters more for riders.
Read moreReferenceInsurance Glossary
Learn common insurance terms and definitions to better understand your coverage options.
Read moreExplore other insurance coverage
Many customers who bundle coverage find they save money. Compare quotes to see what works best for you.