Motorcycle coverages

Standard and specialty coverages for your motorcycle

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Motorcycle insurance coverage options

Are you riding a brand new Harley, Honda, Suzuki, or Yamaha? Or how about a long-trusted BMW or Triumph?* Whatever you ride, you want the right motorcycle insurance. We have plenty of options.

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Bodily injury liability

If the unfortunate happens and you cause an accident where others get hurt, minimally or even fatally, bodily injury liability coverage can help protect you. It can help pay for lost wages, pain and suffering, medical bills, and funeral expenses.

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Did you hit something on your bike? Did it tip over? A liability-only policy may not cover the cost of all your damage expenses—you can get the extra protection you want with our collision coverage.

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Accident damage can be expensive to repair. Comprehensive insurance coverage can help cover the costs to fix your motorcycle when it's damaged by something that wasn't a collision: theft, vandalism, hitting an animal, and some weather events such as hailstorms.

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Guest passenger liability

If you like bringing someone along on your motorcycle trips, you may want to consider our guest passenger insurance coverage. It can help provide medical coverage for bodily injuries if your passenger is hurt in an at-fault accident.

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Medical expense

When you’re on the open road, there’s always the risk of an accident – and getting hurt in a crash can be costly. Medical expense coverage can help both you and your passenger with medical costs and medical bills.

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Optional/Special equipment

Our optional/special equipment motorcycle insurance coverage helps protect against damage or loss of aftermarket parts. This can help pay the difference between the optional equipment’s value and the standard equipment it replaces.

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Personal injury protection (PIP)

With personal injury protection coverage, any medical cost 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. This coverage isn’t offered in some states.

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Physical Damage Plus

If your bike is damaged in a collision, you want to make sure it’s getting the proper replacement parts. When you have Physical Damage Plus motorcycle insurance coverage, genuine original manufacturer replacement parts can return your bike to like-new.

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Property damage liability coverage

If you cause an accident that damages another person's property, this coverage can help protect you. But be aware: it won't cover any damages to your own property.

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Rental reimbursement

The good news is your bike is being repaired after an accident. The bad news? You have no way to get to work. Rental reimbursement insurance coverage gives you money to put toward an eligible rental to keep your life moving.

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Replacement cost

If your bike is three years old or newer and is a total loss after an accident, replacement cost insurance 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 open 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 coolant

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Underinsured motorist bodily injury coverage

You’ve been in a collision. The other driver is at fault and has insurance, but they are underinsured and their insurance policy isn’t enough to cover your injuries. This coverage can provide injury protection—up to your coverage limits—for medical costs that you and your passenger might have.

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Underinsured motorist property damage

Like underinsured motorist bodily injury, this coverage can provide protection up to your coverage limits for damage to your bike that the at-fault driver’s vehicle insurance doesn’t cover.

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Uninsured motorist bodily injury

Uninsured motorist bodily injury coverage can help pay the cost of medical bills from an injury you suffer in an accident caused by the owner or operator of an uninsured motor vehicle.

Illustration of a motorcycle hitting a mailbox.

Uninsured motorist property damage coverage

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

If you have questions about motorcycle insurance requirements by state or would like more coverage information, please contact us.

*All product names, logos, brands, and trademarks are property of their respective owners. All company, product, and service names are for identification purposes only. Use of any of the foregoing does not imply endorsement.

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