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Motorcycle insurance coverage that matches your needs

Is it a Harley, Honda, Suzuki, or Yamaha? How about a BMW, Triumph, or Indian? Whatever you ride, you want the right motorcycle insurance coverage. At Dairyland®, we have plenty of options to meet your needs.

So, whether you’re riding a standard, cruiser, touring, sport touring, sport bike, trike, dirt bike, dual purpose, scooter/moped, or autocycle, we can insure every style. And the best part? All of our coverage comes with exceptional service and support.

And then there’s our specialized coverages. Added your own personal touches with optional equipment? We can insure it. Need to keep your bike all original? Our Physical Damage Plus coverage means your bike will be repaired with genuine manufacturer replacement parts. Want help with medical expenses if you’re hurt in an accident? We do that, too.

This is just some of what we offer. There’s more below. Take a look around—we know you’ll find both great value and the flexible insurance that meets your coverage needs!

If you have questions or would like more information, contact us or one of our helpful independent agents.

Coverages to help protect you and your bike

Bodily Injury

If the unfortunate happens and you cause an accident where others get hurt or even die, Bodily Injury coverage is there to help protect you. It can pay for lost wages, pain and suffering, medical expenses, and funeral expenses.


Hit something on your bike? Did it flip or tip over? A liability-only policy may not cover all your expenses. You can get the extra protection you want with our Collision coverage.


Accident damage can be expensive to repair. Comprehensive coverage, will help pay the costs to fix your motorcycle.

Guest Passenger

If you like taking someone along on your motorcycle trips, you may want to consider our Guest Passenger coverage. It can help provide coverage for bodily injuries if your passenger is hurt in an accident.

Medical Expense

When you’re on the road, there’s always the risk of an accident. Getting hurt in a crash can be expensive. Medical Expense coverage can help both you and your passenger with doctor bills.

Optional/Special Equipment

You want your bike to be unique. That means modifications. Optional/Special Equipment coverage helps protect your investment against damage or loss of permanent equipment that isn’t factory standard. Coverage is the difference between the optional equipment’s value and the standard equipment it replaces.

Personal Injury Protection

With Personal Injury Protection, any medical expenses for you and any other eligible person are covered—no matter who’s at fault. This coverage can apply to non-medical expenses like lost wages and death benefits. This coverage is limited in some states.

Physical Damage Plus

Your bike is your baby. If it’s been damaged in an accident, you want to make sure it’s getting the proper replacement parts. When you have Physical Damage Plus coverage, genuine original manufacturer replacement parts are used to return your bike to like new.

Property Damage

If you cause an accident that damages another person's property, Property Damage coverage can help protect you. But be aware: It doesn’t cover any damages to your property.

Rental Reimbursement

The good news is, your motorcycle is being repaired. The bad? You have no way to get to work. Rental Reimbursement coverage gives you money to put towards an eligible rental to keep your life moving.

Replacement Cost

If your bike is three years old or newer and is a total loss after a crash, Replacement Cost coverage pays for a new bike—including your optional equipment.

Roadside Assistance

You never expect it, but equipment can fail. If you’re on the road and have a mechanical or electrical breakdown, Roadside Assistance kicks in. It provides a toll-free, 24-hour towing and roadside service to help you handle:
  • Empty gas tank
  • Dead battery
  • Lost key
  • Flat tire 
  • Low oil, fluids, or water

Underinsured Motorist Bodily Injury

You’ve been in an accident. The other driver is at fault and has insurance, but not enough to cover your injury expenses. This provides coverage—up to your policy limits—for bodily injury expenses that you and a passenger might have.

Underinsured Motorist Property Damage

Like Underinsured Motorist Bodily Injury, this coverage provides protection up to your policy limits for damage to your motorcycle that the at-fault driver’s insurance doesn’t cover.

Uninsured Motorist Bodily Injury

Uninsured Motorist Bodily Injury coverage can help pay for bodily injury you suffer in an accident caused by the owner or operator of an uninsured motor vehicle.

Uninsured Motorist Property Damage

This coverage provides protection to your insured motorcycle when it’s damaged as a result of an accident where an uninsured driver is at fault.