Riding comes with risks—but also with the freedom to choose how you protect your bike and yourself. Dairyland® offers flexible motorcycle insurance options that can help riders feel more confident on the road. Here’s a look at the types of coverage we offer and how each one works.
General motorcycle insurance coverages we offer
Most motorcycle insurance policies include these coverages—some are required by law, others depend on how and where you ride.
Bodily injury liability
Provides coverage for injuries to others if you cause an accident. It may help pay for medical bills, lost wages, or funeral expenses.
Collision
Can help cover repairs to your motorcycle if it’s damaged in a crash, no matter who caused the accident.
Comprehensive
Can help protect your motorcycle from non-collision events such as theft, vandalism, weather damage, or hitting an animal.
Guest passenger liability
Can provide coverage for medical expenses if your passenger is injured in an at-fault accident.
Medical expense
Can help cover medical costs for you or your passenger after an accident, regardless of fault.
Personal injury protection (PIP)
Can provide coverage for medical expenses—and sometimes lost wages—for you and eligible passengers, no matter who’s at fault.
Property damage liability coverage
Can provide coverage if you cause an accident that damages another person’s property. This coverage doesn’t apply to your own property.
Uninsured motorist bodily injury
Can help cover medical bills from injuries you suffer in an accident caused by a driver without insurance.
Uninsured motorist property damage coverage
Can help protect your motorcycle if it’s damaged in a collision where the at-fault driver has no insurance.
Underinsured motorist bodily injury coverage
Can provide coverage for injuries if the at-fault driver’s insurance isn’t enough to pay your medical costs.
Underinsured motorist property damage
Can help cover damage to your motorcycle if the at-fault driver’s coverage isn’t sufficient.
Optional motorcycle insurance coverages for added Protection
In addition to the core coverages, these optional protections let you customize your policy to match how you ride.
Roadside assistance
Provides 24/7 help with towing, flat tire changes, fuel delivery, or jump-starts if you’re stranded.
Trip interruption
Helps cover lodging and meals if your motorcycle breaks down more than 100 miles from home.
Optional/Special equipment
Can provide protection for aftermarket upgrades like custom exhausts, saddlebags, or chrome accessories.
Physical Damage Plus
Helps ensure your motorcycle is repaired with genuine original manufacturer parts if it’s damaged in a collision or comprehensive loss.
Rental reimbursement
Helps cover the cost of a rental motorcycle while yours is being repaired after a covered loss.
Replacement cost
Can provide coverage for a brand-new motorcycle—including optional equipment—if your bike is two model years old or newer and declared a total loss.
Other motorcycle coverage options
Depending on your riding habits, insurance history, or even the type of motorcycle you ride, these options may offer added flexibility or help meet special requirements or state rules.
Multi-vehicle insurance
Own more than a motorcycle? You could save by bundling. We cover a range of off-road vehicles, including ATVs, UTVs, and snowmobiles.
Seasonal motorcycle insurance
Not riding in colder months? We offer seasonal options in some areas that may help reduce costs and maintain coverage for your stored bike.
Vintage bike coverage
Have a classic bike? Our coverage options offer agreed value or regular physical damage coverage on motorcycles 25 years or older.
Which motorcycle insurance coverages are required by law?
Insurance requirements vary by state, but most require at least a minimum amount of liability coverage. Some states may also require uninsured or underinsured motorist coverage. Dairyland® offers motorcycle insurance options that can help you stay legally insured, with additional coverages available based on your needs and location..
How deductibles and coverage limits affect your policy.
A deductible is the amount you pay out of pocket before your insurance begins to help with a claim. Your coverage limits define the maximum your policy may pay. Finding the right balance can affect both your monthly cost and how much financial protection you have.
Frequently asked questions
Can I suspend motorcycle insurance while my bike is in storage?
In some states, seasonal coverage options may offer flexibility when your motorcycle isn’t being used. Contact a Dairyland representative to see what’s available in your situation.
What’s the difference between comprehensive and collision motorcycle insurance?
Comprehensive motorcycle insurance can help pay for damage caused by things like theft, vandalism, or hitting an animal—basically, an action that’s not a collision. Collision coverage helps pay for repairs if your bike is damaged in an accident or if it tips over.
How do I file a motorcycle insurance claim?
You can start or track a claim through our online tools or by contacting our claims team directly. We’re here to help every step of the way.
Ready to protect your ride?
With over 50 years of motorcycle insurance experience, Dairyland continues to help riders find reliable protection and value—mile after mile. From vintage cruisers to brand-new sport bikes, we’ve built our reputation by understanding what matters most to riders and providing flexible coverage options that fit the way they ride.
