How Much Insurance for Motorcycle – What Does Motorcycle Insurance Not Cover

Insurance for motorcycles is an essential safety measure for riders and their valuable machines. Because riding a motorcycle may be thrilling and freeing, having comprehensive insurance is essential and goes above and beyond regular auto insurance.

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Regardless of your riding experience level, understanding the importance of this insurance is crucial to taking advantage of the excitement of two-wheeled adventures while remaining safe.

Insurance for motorbikes provides financial stability when traveling by guarding against theft, collisions, and liability claims. We shall look at this topic in this article, including its functions and what it covers.

How Much Insurance for Motorcycle

What is Motorcycle Insurance?

A kind of insurance known as motorcycle insurance shields riders against monetary losses resulting from crashes, theft, or damage to their bikes. It provides liability protection if the rider hurts someone or damages their property.

The policy usually includes collision coverage, which covers the cost of replacing or repairing the motorcycle in the event of an accident. Examples of non-collision-related damages that are also covered by comprehensive coverage include theft, vandalism, and natural disasters.

How Does Motorcycle Insurance Work?

The price that a rider pays an insurance provider when purchasing a policy is determined by several criteria, such as the kind of motorcycle, the rider’s age, and their driving record. In case of an accident, theft, or damage to the motorcycle, the insurance provider will help with the costs up to the policy limits.

Liability insurance covers personal injury and property damage caused by the insured rider, and comprehensive and collision insurance covers damage to the motorcycle.  In addition to medical payments and uninsured or underinsured motorist protection as choices, deductibles might be required for the insurance.

What Does Motorcycle Insurance Cover?

Here are some types of coverages provided by motorcycle insurance:

  • Liability coverage: helps to cover any property damage and bodily harm you can cause to another person in an accident. It is usually mandated by law.
  • Collision coverage: helps pay for replacing or repairing your motorcycle if it is damaged in a collision with another object or vehicle, regardless of who was at fault.
  • Comprehensive coverage: This insurance, often known as “other than collision” coverage, guards against non-crash-related damage to your motorcycle, such as theft, fire, vandalism, bad weather, or falling items.
  • Medical payments coverage: This coverage helps pay for medical expenses you or your passengers may incur after a motorcycle accident, regardless of who was at fault. It may cover the cost of an ambulance, hospital stays, surgeries, and other ancillary medical expenses.
  • Coverage for uninsured and underinsured drivers: This coverage will shield you if you are involved in an accident caused by another driver whose insurance was insufficient or nonexistent to compensate for your losses. It can help pay for hospital bills, property damage, etc.
  • Personal Injury Protection (PIP): Regardless of negligence, PIP coverage covers medical costs, missed income, and other related expenditures for you and your passengers. It may also cover services like child care or housekeeping assistance if your injuries from a motorcycle accident prevent you from performing such responsibilities.
  • Custom parts and equipment coverage: In the event of damage or theft, this coverage can help cover the cost of replacing or repairing any aftermarket components or modifications you’ve made to your motorcycle.

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What Does Motorcycle Insurance Not Cover?

Here are some typical exclusions of this type of insurance:

  • Use and abuse.
  • Mechanical breakdowns.
  • Motorcross riding.
  • Races or competitions.
  • Deliberate actions.
  • Unlicensed riders.
  • Personal belongings.

Mentioned above are examples of what this insurance does not cover.

Top Companies That Offer Motorcycle Insurance

The following companies offer motorcycle insurance:

  • Progressive.
  • USAA.
  • Geico.
  • State Farm.
  • Allstate.
  • Harley-Davidson Insurance.
  • Nationwide.
  • Erie.
  • Foremost.
  • American Family.

These are some of the best providers for this type of insurance.

Factors Affecting Motorcycle Insurance Rates

The following factors can affect the cost of motorcycle insurance:

  • Age and background.
  • Motorcycle type.
  • Mileage and usage.
  • Location.
  • Deductibles.
  • The amount of coverage chosen.
  • Credit history.
  • Driver’s license.
  • Rider training.
  • Safety options.

Some factors that affect this type of insurance rate are mentioned above.

How to get a Motorcycle Insurance

To buy motorcycle insurance, follow the steps below:

  • Determine Your Need for Insurance: Consider the type of protection your motorcycle requires.
  • Analyze Insurance Providers: Seek out insurance companies that offer motorcycle coverage. Examine their reputation, consumer testimonials, financial standing, and the variety of coverage alternatives they provide. These insurance providers include Nationwide, Erie, Allstate, State Farm, Progressive, etc. Compare quotes from some insurance companies to discover the best prices and coverage for your needs.
  • Get the Information You Need: Gather all the information you require regarding your motorcycle and personal details. Included may be the vehicle’s make, model, year, VIN (vehicle identifying number), information from your driver’s license, and any relevant details regarding your driving history or claims.
  • Obtain Estimates: You can utilize online comparison tools, visit the websites of insurance companies, or have direct conversations with them to obtain estimates for motorcycle insurance. Make sure you include the required information to receive accurate prices.
  • Acquire a Policy: Once you’ve selected an insurance company and a plan that meets your needs, purchase the coverage by completing the necessary paperwork or online forms. Ensure you understand the terms and conditions by thoroughly reading the policy documents before committing to the transaction.
  • Make a Payment: Make the motorcycle insurance premium payment. The premium can usually be paid in full upfront for the duration of the policy or in monthly installments, depending on the insurer’s payment choices.
  • Acquire Documentation of Insurance: After you buy the policy, the insurance company will offer you proof of insurance, typically in the form of an insurance card or policy documentation.

Have this proof on hand when operating a motorcycle or interacting with law enforcement or other individuals.

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Frequently Asked Questions

Below are some frequently asked questions.

Does a Motorcycle Need an Insurance Policy?

The regulations for motorcycle insurance vary by jurisdiction. It is frequently mandated in many areas, just like auto insurance. It’s crucial to review your local legislation to determine the specific requirements in your area.

Is There a Discount for Motorcycle Insurance?

Yes, several insurance companies provide coverage savings for motorcycles. Rate reductions occur frequently and can include multi-policy discounts (if you have other insurance policies with the same provider), discounts for safe riders, completion of motorcycle safety classes, and discounts for motorcycles equipped with anti-theft equipment.

Is it Possible to Get Insurance for Custom or Modified Motorcycles?

Insurance is typically available for motorcycles that have been altered or customized. Any changes you make, nevertheless, should be reported to your insurance provider as they may affect your coverage or cost.


Motorcycle insurance provides peace of mind while riding the open road. It is a legal requirement in many places and a crucial financial safeguard for riders. By knowing the various types of coverage available and customizing a policy to meet specific needs, riders can ensure they are adequately protected in unforeseen circumstances.