Motorcycle Insurance

Motorcycle Insurance Coverage

Motorcycle owners need insurance. It’s important to remember that insurance is not just for cars. A motorcycle is a mode of transportation for many people, so insurance is needed. The right type of policy keeps the motorcycle rider and their vehicle financially covered in the event of an accident. The insurance also protects other drivers, pedestrians or anyone else involved in the accident.

The Need for Coverage

Safe motorcyclists want to stay legal on the road, and motorcycle insurance helps them do so. Most states require insurance for all motorcycles owners, at least liability coverage. This is a popular type of insurance because it pays for property and liability to cover damages or injuries of anyone else involved in the accident.

How it Works

Motorcycle insurance works like typical insurance. Property and liability coverage pays for injuries or damages that others sustain during an accident involving a motorcycle. Other types of insurance that these vehicle owners buy cover a variety of other things. For instance, there is coverage for damages caused by fire, theft, vandalism or non-auto objects that fall on or hit the motorcycle.


Motorcycle owners can buy liability coverage, comprehensive and collision coverage, total loss coverage, medical payments coverage, optional equipment coverage, trip interruption coverage, uninsured and underinsured motorist coverage, and towing and labor coverage.


Motorcycle owners need insurance to remain in compliance with the law. It also helps that insurance provides a financial safety blanket is times of need.