Personal Insurance
Motorcycle Insurance
Coverage options for on-road motorcycles, scooters, and mopeds.
Coverage overview
Motorcycle insurance can include liability, collision, comprehensive, and uninsured/underinsured motorist coverage, along with optional protection for custom parts and accessories.
The coverages and options available vary by carrier and state, and some riders adjust coverage seasonally depending on how they use the bike.
Who may need this coverage
- Owners of motorcycles, scooters, or mopeds
- Riders financing or leasing a bike with coverage requirements
- Owners who have added custom parts or accessories
- Riders who want higher liability limits than a minimum
Common coverage considerations
- Liability limits and any required underlying coverage
- Collision and comprehensive with their deductibles
- Custom parts and accessories coverage
- Passenger liability where applicable
- Trip interruption and roadside assistance options
What may not be covered
- Racing or track use, generally
- Everyday wear and mechanical breakdown
- Business use that requires commercial coverage
- Accessories beyond scheduled or included limits
Factors that may affect price or eligibility
- The motorcycle's type, engine size, and value
- Riding history and the riders covered
- Coverage selections, limits, and deductibles
- Storage, location, and annual mileage
Information commonly needed for a quote
- Year, make, model, and VIN of the motorcycle
- Rider details and riding history
- Any custom parts or accessories and their value
- How and how often the bike is used
A practical example
A rider lays the bike down avoiding debris and damages both the motorcycle and an aftermarket exhaust. Depending on coverage, collision may help with the bike (subject to the deductible), and custom parts and accessories coverage may help with the exhaust up to its scheduled limit.
Questions to ask a licensed professional
- How much liability coverage should I carry?
- Are my custom parts and accessories covered, and up to what limit?
- Can I adjust coverage during the off-season?
- Is passenger liability included?
Frequently asked questions
This page is a general educational summary and does not change, replace, or create insurance coverage. Coverage terms, conditions, limits, exclusions, eligibility, and availability vary by policy, carrier, state, and underwriting requirements. Coverage is not effective unless confirmed in writing by an authorized insurance carrier or properly licensed insurance professional.
Let's Protect What Matters to You.
Tell us what you need to protect, and a licensed insurance professional can help you explore available options.