Pennsylvania—known as "Rocksylvania" to Appalachian Trail thru-hikers—doesn't have to be a rocky road, so long as you have motorcycle insurance. With the right coverage, you can enjoy all the natural beauty the state has to offer. From massive canyons to breathtaking views of the night sky, Pennsylvania's adventures will satiate any rider's desire for an exceptional ride.
Whether you’re exploring the Keystone State’s vast open countryside or a one-way street in Harrisburg, the Pennsylvania Department of Transportation states that you’re required to have specific equipment to ensure you and your bike remain street legal:
Helmets: As a rider or passenger, you need to wear a helmet unless you’re at least 21 years old and meet at least one of these two requirements:
You’ve accumulated two or more years of riding experience
You’ve completed a motorcycle safety course approved by the Pennsylvania DOT or the Motorcycle Safety Foundation
Eyewear: While shatter-proof eyewear is encouraged, any type of protective eyewear will comply with Pennsylvania laws
Mufflers: Mufflers are required, and alterations to increase sound aren’t permitted
Mirrors: Your bike is required to have at least one rearview mirror
Headlight: Your bike’s headlight must be functional
To get a Class M license, you’ll need to pass a basic motorcycle knowledge test and apply for a Class M learner's permit. Learner’s permits allow you to ride between sunrise and sunset while under the instruction and supervision of someone who has a Class M license. Class M permit holders aren’t allowed to have passengers other than a properly licensed instructor. The permit is valid for one year.
Applicants under the age of 18 must hold their permit for a minimum of six months and accrue 65 hours of supervised riding before taking the skills test. They’re also required to take and complete a Pennsylvania Motorcycle Safety Program Basic Rider Course, which contributes 15 hours toward the 65-hour minimum.
Pennsylvania broadly defines a motorcycle as:
"Any motor vehicle having: a seat or saddle for the use of each rider; not more than three wheels in contact with the ground, but excluding a tractor; and a combustion engine with a piston or rotor displacement of 50cc or greater."
All motorcycle riders in Pennsylvania must carry insurance coverage. State laws mandate the following minimum limits:
Bodily injury liability: $15,000 per person and $30,000 per accident
Property damage liability: $5,000 per accident
Pedestrian first party benefits: $5,000
In addition to meeting the state's minimum coverage requirements, it’s also crucial that you cover your total assets in the event of a loss. Consider these additional coverage options:
Guest passenger liability must be equal to bodily injury, and limits must be the same on all vehicles.
Limits must be the same on all vehicles.
Uninsured motorist coverage isn’t mandatory, but you’ll need to reject it if you choose not to purchase it. Limits must be the same on all vehicles and must be equal to or less than bodily injury limits; limits lower than bodily injury must be rejected. Stacked limits must be rejected.
Uninsured motorist coverage isn’t mandatory, but you’ll need to reject it if you choose not to purchase it. Limits must be the same on all vehicles and must be equal to or less than bodily injury limits; limits lower than bodily injury must be explicitly rejected by the insured.
Stacked and unstacked options are available. This means you have the options to purchase limits that can be combined across all vehicles you insure. You must reject this option if you wish to purchase limits applied to only one vehicle.
Be sure you take the opportunity to review the available uninsured and underinsured coverage limits and corresponding premiums as part of your application process.
Still have questions regarding which insurance coverages make sense for you or your bike? Contact us or one of our helpful independent agents.
Yes—we have plenty of additional options to help protect you and your bike:
Medical payments coverage isn't mandatory in Pennsylvania, but if you have it, your limits must be the same for each covered vehicle. Optional coverage amounts include:
These coverages can help protect you financially if your motorcycle is damaged in an incident, regardless of who was at fault.
We offer money-saving insurance discounts on our already affordable rates. Here are just a few of the discounts available to you:
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With a motorcycle insurance policy, you can take your time and savor all of Pennsylvania’s attractions. It may take time to explore every nook and cranny of the Keystone State—but as riders like you know, it's about the journey, not the destination.