Ride protected
Motorcycle Insurance Coverage & Quotes
Motorcycle insurance protects you, your bike, and other riders on the road. Learn what it covers, what it costs, and how to compare policies.
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Where are you located?
Motorcycle rates depend on your bike and riding history. Start with your ZIP.
Free comparison · No obligation · Carrier availability varies by product and state.
Quick answer
Motorcycle insurance covers liability for injuries and damage you cause, plus optional protection for your own bike through comprehensive and collision. Most states require at least liability coverage to ride legally, and add-ons can cover custom parts, gear, and passengers.
What motorcycle insurance covers
A motorcycle policy works much like auto insurance, with coverages tailored to riding.
- Liability — pays for injuries and property damage you cause to others.
- Collision — repairs or replaces your bike after an accident.
- Comprehensive — covers theft, vandalism, fire, and weather damage.
- Custom parts & equipment — protects aftermarket upgrades and accessories.
- Uninsured/underinsured motorist — protects you if the at-fault rider lacks enough coverage.
What affects your motorcycle rate
Insurers weigh your riding experience, age, location, and claims history, plus the bike’s engine size, value, and theft risk. Sport bikes with large engines typically cost more to insure than cruisers or standard bikes. Completing a safety course can earn a discount.
How to save on motorcycle insurance
Bundle with your auto or home policy, take a rider safety course, choose a higher deductible, and store your bike securely. Comparing quotes each season keeps your premium in check.
Related coverage
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Motorcycle Insurance FAQs
Most states require at least liability coverage to ride legally, similar to auto insurance. Requirements and minimum limits vary by state, so check your local rules.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers