When you’re out for a ride, you want to live in the moment—which means you don’t want a bunch of what-ifs rattling around your brain.“What if I get in an accident?”
Quality motorcycle insurance coverage can help put your mind at ease—and it helps ensure you ride in accordance with state and national laws.
Choosing the right coverages takes time, but it’s worth it. Use this 101 guide as you research carriers, coverages, discounts, and everything else that contributes to your decision. Because whether you’re a veteran rider or this is your first time buying motorcycle insurance, knowledge is crucial to getting what you need without paying for the extras you don’t.
There’s a lot to consider when shopping for insurance, but ultimately, it comes down to quality and value—specifically, finding the sweet spot where you get the best of both. And as nice as it’d be to have a cut-and-dried response to “What does motorcycle insurance cost?”, the answer really comes down to “It depends.”
If you’ve purchased car insurance, you’re familiar with many of the factors that can impact your monthly premiums for motorcycle insurance—from your payment and riding history to seemingly mundane things like your age and ZIP code. Some insurance carriers weigh these factors differently, so compare quotes to find coverages at rates that work for you.
You could also be eligible for a range of discounts on your motorcycle insurance coverage. Here at Dairyland®, we’re committed to making our already affordable coverages even more accessible by working with you to identify savings on your motorcycle insurance. Completing a motorcycle safety course is one of the many ways to start earning discounts.
48 states require motorcycle owners to carry motorcycle liability insurance. So unless you live in Florida or New Hampshire, make sure you meet your state’s motorcycle insurance requirements before you start riding. Additionally, each state has its own established coverage minimums, so check in with your local motorcycle dealer, your agent, or your insurance provider.
Give us a call—we’re here to help.
Your liability insurance coverage helps cover losses in an accident you cause. Each liability policy includes two elements:
Once you meet your state’s insurance requirements, you can decide which additional coverages make sense for you. Think about where you ride, how often you ride, whether you often have a passenger, and other factors.
The first group of optional coverages we discuss are unique. In some states, providers automatically add some or all of these coverages to your policy unless you specifically reject them. Remember, this varies by state, so be sure you review your policy carefully.
The insurance coverages below are optional in all states. Keep in mind, your requirements may vary based on a number of factors, including whether you lease your bike or own it outright.
You’ll probably encounter the term “full-coverage insurance” as you research different motorcycle insurance providers. Because there’s no standardized definition of full-coverage motorcycle insurance, you could end up with a policy that doesn’t meet your expectations—and that potentially leaves you financially liable for losses you thought were covered.
That’s why we recommend working with an insurance provider who can customize a policy with clearly defined coverages you choose—and understand.
Simply put, the best motorcycle insurance coverage is the one that provides the right amount of coverage for the right price. And that depends on you, your bike, and your financial situation. As we’ve discussed, there’s a lot to consider when purchasing motorcycle insurance. But you don’t have to do it alone. Our knowledgeable, experienced team is here to help you identify the coverages—and discounts—that make sense for you.
We hope this 101 guide helps you discover the right motorcycle insurance for you. But we know there’s always more to learn. Check out our frequently asked questions section for more info.