Bike Insurance

Whether you have a moped, a scooter, or a motorcycle, you're going to want to have bike insurance to protect yourself and others while on the road. Most required bike insurance is relatively cheap, but you may want to explore additional coverage. For example, if you have a stolen bike, insurance that merely meets state minimums won't help you. You can read on to find out all about bike insurance and get a FREE bike insurance quote. You may be surprised to learn that bike insurance is cheap, even when you include more than required liability coverage.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Whether you’re traveling cross-country on a cruiser or getting around town on a moped, you need the right kind of bike insurance for your vehicle. The minimum coverage required by law is Property Damage Liability and Bodily Injury Liability.

These two options come automatically with any motorcycle policy you buy, regardless of where you live or what insurance provider you purchase your policy from.

If you want to choose other auto insurance coverage options for your bike, you can use our FREE tool to compare rates.

Liability Insurance for Bikes

Property damage liability covers the costs of replacing or repairing property damaged by a collision with your bike. Bodily injury liability covers the medical expenses, loss of income, and possible funeral expenses of anyone injured in a collision with your bike.

Contrary to popular belief, this policy is not limited to motorcycles alone. It can also apply to:

  • Scooters
  • Motocross bikes
  • Dirt bikes
  • Mopeds
  • Trikes

All of the vehicles above are covered by your typical motorcycle insurance policy. No matter what you drive, you’ll want the peace of mind that comes with knowing you are safely insured.

In some states, a passenger riding with you on your bike is covered separately under Passenger Liability Coverage, but some policies give you the option of paying a slightly higher premium in order to have passengers covered under Bodily Injury Liability. At some point you will undoubtedly be riding with a passenger, so making sure they are covered is an important element to consider when purchasing your bike insurance policy.

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Compare Bike Insurance and Types of Coverage Online

Type of Coverage What it Pays For
Accessories Coverage Repairs/replaces any damaged saddlebags, backrests, seats, chrome pieces and CB radios
Collision Coverage If your bike collides with another person’s property or is hit by another motorist, collision insurance will cover your expenses
Comprehensive Physical Damage Covers your bike for unfortunate events other than collision, such as theft, fire, falling objects, or natural disasters
Medical Payments/No-Fault/Personal Injury Protection covers medical expenses for you and your passenger(s) regardless of fault
Uninsured/Underinsured Motorists Coverage Pays for expenses in the event of a collision with an uninsured, underinsured, or unidentified driver (if the crash is not your fault). It can also cover the medical expenses and lost wages of you and your passenger.

Note: Uninsured/Underinsured Motorist Coverage will vary from state to state, so talk to your insurance agency about your policy and make sure you understand it clearly before you sign any final paperwork.

Important Information for First-Time Riders – Know what You Need to Stay Safe

Finding the best bike insurance (especially if this is your first time ever owning one) may seem like a complicated venture. Luckily, there are ways to simplify the process and save yourself some money.

Your personal history will be the first thing most insurance companies look at. A clean driving record will help you get cheap bike insurance and a much better premium on your policy. Responsible drivers with a long, clean record may be eligible for a Responsible Driver discount. However, even with a good record, a lack of driving experience with a motorcycle may count against you. You might also want to consider looking into defensive driving or motorcycle safety courses in order to reduce your risk and lower your premiums.

The make, model, and year of your vehicle will also have a significant impact on your insurance premiums. Sportbikes (and also their drivers) are considered riskier and more accident-prone than cruisers or touring bikes. These faster, sportier motorcycles may carry with them significantly higher insurance premiums. If you haven’t yet purchased a motorcycle, talk to your insurance company about which bike might be the best option for affordable insurance.

Find cruiser insurance, touring bike insurance, sport cycles insurance, classic bikes, custom cycles insurance, dirt bikes insurance, quad bike insurance, Hastings bike insurance, off-road bike insurance, or pedal bike insurance online. Just enter yourZIP code below and get great rates!

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