Dirt bike insurance

Get cheap dirt bike coverage and explore with peace of mind
Illustration of dirt bikes in the desertIllustration of dirt bikes in the desert

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Types of dirt bikes we insure

We understand your thrill for raising some dust and catching some air. That’s why we offer dirt bike insurance to protect riders like you, while also providing discounts to help you save money.

  • Motocross

  • Trail

  • Hill climb

  • Enduro

Dirt bike insurance coverages

Here are the affordable dirt bike insurance coverages* we can offer you:

  • Bodily injury liability

  • Collision

  • Comprehensive

  • Guest passenger liability

  • Medical expense

  • Optional/special equipment

  • Personal injury protection (PIP)

  • Physical Damage Plus

  • Property damage liability

  • Underinsured motorist bodily injury

  • Submersion coverage

  • Enhanced permissive use

  • Transport trailer coverage

Dirt bike insurance discounts

Save money and inquire about our available discounts**, including:

  • Multi-cycle discount

  • Home ownership

  • Loyalty discount

  • Rider group

  • Rider course

  • Transfer discount

  • Multi-line

  • Garaging

  • Motorcycle endorsement

  • Claim free renewal

  • Prompt payer

  • Advanced quote

  • Paid in full

  • Ownership discounts

Illustration of a dirtbike

Get a free dirt bike insurance quote today

Continue tearing up your own off-road paths.

Experienced claims support

Get experienced claims support 24 hours a day, seven days a week. Our friendly staff is ready to help you.

If you have more questions regarding dirt bike insurance, check out our frequently asked questions below, or contact us.

*Coverages and requirements vary by state. See your Dairyland policy for complete coverage details.

**Not all discounts are available in all states.

Questions about dirt bike insurance

Is dirt bike insurance required?

It depends. Some states require you at least carry liability coverage. When you quote with us, we’ll help you find dirt bike coverages that make sense for where you live.

How much does dirt bike insurance cost?

We offer dirt bike insurance starting as low as $7/month. There are many factors that go into insurance costs for dirt bikes, including the state you reside in, rider history, type of dirt bike, and the coverage options you want. Your insurance agent or provider can walk you through the details.

How is dirt bike insurance different from motorcycle insurance?

Most coverages are similar between dirt bike insurance and motorcycle insurance. However, not all motorcycle insurance covers dirt bikes. Depending on your carrier, you can also opt for additional dirt bike coverage options that may not be available with motorcycle insurance.

Which dirt bike insurance coverages should every rider have?

First, make sure you have the coverages required in your state. After that, it’s your choice. Think about things like your financial situation, riding style, and frequency of use.

Are there any dirt bike insurance discounts?

Absolutely. You find many of the same discounts for dirt bikes as for motorcycles. At Dairyland, we also offer discounts that include garaging your bike and claim-free renewals.

Bundle all your off-road vehicle insurance to save more

Purple ATV


Prefer a few more wheels when you ride off-road? Whether you own ATV, UTV, four-wheeler, or side-by-side, we offer off-road insurance coverage for that vehicle, too.

ATV/UTV insurance
Purple snowmobile


Once the snow flies, it’s time to bring out the snowmobiles. Hit the trails with confidence with our snowmobile insurance coverage.

Snowmobile insurance

Looking for motorcycle insurance?

Go with a trusted motorcycle insurance provider since 1966.

Ride with us
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Dirt bike riders love Dairyland
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