Motorcycle Insurance

Geo depth: Class A

Motorcycle insurance covers liability, and optionally collision and comprehensive damage, for motorcycles, mopeds, and similar two- or three-wheeled vehicles. Most states require riders to carry at least a minimum level of liability coverage, similar to auto insurance requirements.

Compare Motorcycle Insurance rates

What is motorcycle insurance?

Motorcycle policies generally mirror auto insurance's structure — liability, collision, and comprehensive — with some motorcycle-specific additions, such as coverage for custom parts and equipment, or coverage that transfers to a rental replacement bike while yours is being repaired.

Most states set liability minimums for motorcycles that are similar in structure to auto insurance, though exact limits and any state-specific quirks (like special rules for mopeds or scooters below a certain engine size) vary — check your specific state's requirement rather than assuming it matches your car policy.

What affects your motorcycle insurance cost

Typical costs vary significantly by state, provider, and personal factors — {{VERIFY: national average motorcycle insurance premium not yet sourced}}. Rather than a single number, the factors below are what actually move your quote up or down.

Motorcycle make, model, engine size, and age
Rider's age and riding experience/history
Where the bike is garaged and primarily ridden
Coverage types and liability limits selected
Whether the bike is used seasonally or year-round
Any completed motorcycle safety course

How to compare motorcycle insurance providers

Price is only one part of the decision. Before choosing a provider, compare each of the following side by side:

Coverage limits, and exactly what's included or excluded
Deductible options and how a higher or lower deductible changes the premium
Financial strength ratings from an independent rating agency (e.g., AM Best, S&P, Moody's) — an indicator of an insurer's ability to pay future claims
Customer service and claims-handling reputation, including complaint-ratio data where a state Department of Insurance publishes it
Available discounts and bundling options
Confirmation that the carrier is licensed to write this coverage in your state

Explore motorcycle insurance by state

Coverage requirements and licensed carriers for motorcycle insurance vary by state. Here are a few popular starting points, or browse the full state directory below.

Motorcycle Insurance FAQ

Is motorcycle insurance required by law?

Most states require at least liability coverage for a road-registered motorcycle, similar to auto insurance, though minimum limits and any exceptions (e.g., for mopeds/scooters) vary by state. {{VERIFY: your state's specific motorcycle insurance requirement}}.

Does my auto policy cover my motorcycle?

No — motorcycles generally need their own separate policy. A standard auto policy typically doesn't extend liability or physical damage coverage to a motorcycle you own.

Does motorcycle insurance cover gear and accessories?

Standard policies often cover the motorcycle itself but may limit or exclude aftermarket parts, custom paint, and riding gear unless you add optional custom-parts/equipment coverage.

Ready to see motorcycle insurance options?

Compare providers side by side using the factors above, then see options tailored to your state and situation.