Motorcycle Insurance


Motorcycle insurance might seem to be optional, because for many drivers it is not their primary vehicle. It is required by law to have motorcycle insurance in order to drive one. That insurance can range from the bare minimum coverage to hundreds of thousands of dollars of coverage. That depends on what the policyholder wants. Motorcycle insurance is entirely customizable, but still a form of personal auto insurance.

Motorcycle Coverage

There is no such thing as a full coverage plan for motorcycle insurance. It is up to the insured to decide what they would like their plan to cover. It is recommended that every driver has some sort of basic liability coverage. But on top of that there is bodily injury liability, property damage liability, and medical payment liability. These are all for personal protection and have to be considered in order to best protect your own finances.

motorcycle-guy-on-road-insuranceWhen driving a motorcycle you have to worry about the other drivers as well. Uninsured motorist bodily injury, uninsured motorist property damage, collision, and comprehensive insurance all help a motorcycle owner with the perils of an accident. The other drivers might not have insurance and you could be held accountable for all the fees.

The type, style, age, miles driven annually and where you store your motorcycle are all factors that play into the cost of motorcycle insurance. Your experience as a driver will also play a large role in the cost of your insurance. It is important to be safe on the road in order to decrease the overall cost of motorcycle over time. In 2008 more than half of motorcycle drivers in the U.S. were over the age of 55. They have a lot of experience mostly, but they also have a lot to lose.


Covering special add-ons and accessories on a motorcycle can become tricky. You should discuss this issue thoroughly with your agent.

Like with auto insurance, your credit rating can impact your premium >

It has become increasingly more important to have motorcycle insurance because of the increased costs of collisions and accidents. Health care is a huge expense and with the right insurance coverage can be offset.


Other Enhanced Insurance articles related to motorcycle and snowmobile Insurance:

What Do I Need to Know about Motorcycle Insurance

Scooter Insurance

Snowmobile Insurance

Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.

While the majority of people want an agent involved in their purchase of insurance, many people want to see if they can save money by buying direct from the insurance company. Others want to try a direct quote to make sure the premium they’re now paying through their local agent is fair. If you want a quote for your coverage, click on the competitive quote button on the right side of this page.