Motorcycle Insurance

So you've got the leather jacket and a helmet, but is that enough protection?

What is motorcycle insurance?

There’s nothing quite like owning a motorcycle. The freedom of hitting the open road and feeling the wind on your face can't be described with words— and nor should it. While insurance for your motorcycle is probably the least exciting aspect of it, it is still important to ensure your ride is protected. But good news: motorcycle insurance is pretty similar to auto insurance—it includes liability as well as comprehensive and collision insurance for you, your passengers, and your bike. Let’s get into the basics of motorcycle insurance, starting first with the different types of coverage.

In this article, we will discuss:


  1. What’s covered by my insurance?
  2. What are some additional coverage policies I can have?
  3. What is the minimum coverage for my state?





Coverages


Most insurance policies include liability, collision, and comprehensive coverage. Let’s break that down further.


Liability Insurance

Liability insurance, coverage for damage you cause to other property or individuals, is required in 46 states with the exception of Michigan, Montana, New Hampshire, and Washington. The lowest amount of coverage you’re required to have is the same as the requirement for auto insurance. Check out the table below for more details on the required amounts of coverage by state.


Collision and Comprehensive

Collision and comprehensive covers physical damage to your motorcycle. Collision refers to when you collide with another vehicle or your vehicle is otherwise damaged in a typical car accident. Comprehensive, or sometimes called “other than collision", would cover your motorcycle if it was stolen or damaged by an animal in the road. As with car insurance, collision and comprehensive utilize deductibles that are deducted from a claims payout. Deductibles vary per your choice as well as your insurance company but typically range from $250 to $1,000.





Additional Coverage


You can get coverage for medical payments, equipment, assistance, and keeping your bike safe. Let’s define those more closely.


Medical Payments

Sometimes called "med pay" for short, medical payments refer to the payments of medical costs for you and your passengers that are injured in the event of an accident. While riding a motorcycle presents an array of benefits, it can still be dangerous regardless of your level of skill or care. Consider if additional medical payments are right for you (note: it is not available in every state).


Coverage for Custom Parts, Equipment, and Accessories

Your comprehensive and collision insurance typically covers damages to custom parts and accessories, but there are limits. While it varies, insurance companies cover up to $3,000 for your personalizations. So, let’s say you have a completely customized Harley Davidson motorcycle that cost you a pretty penny. You may want to consider increasing your insurance limits if your add-ons are worth more than what your insurance company will cover.


Roadside Assistance

In the event of a breakdown, roadside assistance would help cover on-site towing and labor.


Layup Period

Hitting the open road is less desirable when it’s below freezing outside and insurance companies understand this. So, they offer what they call a lay-up period. During times of less-than-favorable riding conditions, you can place your motorcycle in storage and reduce your coverage—thereby reducing your premium as well. While in this period, you will usually still maintain comprehensive insurance if your vehicle is vandalized or stolen—but you won’t have any type of liability insurance.





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As promised, here's our chart on motorcycle insurance requirements by state:

StateMotorcycle Insurance LimitsRequired by State
Alabama
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Alaska
  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Arizona
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Arkansas
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
California
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
Yes
Colorado
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Yes
Connecticut
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Delaware
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Florida
  • $10,000 bodily injury liability per person
  • $20,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • Florida requires a $10,000 medical benefit, but that can come from your health insurance
Yes
Georgia
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Hawaii
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Idaho
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Yes
Illinois
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Yes
Indiana
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Iowa
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • Surety bond, cash, or securities of $55,000
No
Kansas
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Kentucky
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Louisiana
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Maine
  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Maryland
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Yes
Massachusetts
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
Yes
Michigan
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
No
Minnesota
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
Yes
Mississippi
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Missouri
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Montana
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Yes
Nebraska
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Nevada
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
New Hampshire
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
No
New Jersey
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
Yes
New Mexico
  • You can either prove financial independence by leaving 60k in cash or surety bond with the treasurer's office or get liability insurance. Same as car limits.
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
New York
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $50,000 liability for death per person
  • $100,000 liability for death per accident
  • $10,000 property damage liability per accident
  • $50,000 personal injury protection
Yes
North Carolina
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
North Dakota
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Ohio
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Oklahoma
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Oregon
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Yes
Pennsylvania
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
Yes
Rhode Island
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
South Carolina
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
South Dakota
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Tennessee
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Yes
Texas
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Yes
Utah
  • $25,000 bodily injury liability per person
  • $65,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Yes
Vermont
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Virginia
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Yes
Washington
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
West Virginia
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $25,000 uninsured motorist property damage coverage
Yes
Wisconsin
  • You are required to show financially responsibility either with a $60,000 cash deposit with the Wisconsin department of transportation, posting a bond issued by an insurance company, or having liability insurance.
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Yes
Wyoming
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
Yes
Washington DC
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured/underinsured motorist coverage per person
  • $50,000 uninsured/underinsured motorist coverage per accident
  • $5,000 uninsured/underinsured motorist property damage coverage per accident

Yes



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