Whether you’re cruising the streets of Manhattan or going on a leaf-peeping ride in upstate New York, you'll need a motorcycle insurance policy when you hit the road in the Empire State. Here’s what you need to know about motorcycle insurance and other requirements for motorcyclists in New York State.
Per vehicle and traffic laws established by the New York Department of Motor Vehicles (DMV), you need to follow these requirements when operating a motorcycle in New York:
Motorcycle insurance is required in New York. To register your motorcycle, you’ll need to show proof of insurance. If you ride uninsured or don’t maintain your New York motorcycle insurance, you could face fines, license suspension, and registration suspension.
Here are the minimum insurance coverages required to ride legally in New York:
Here are some additional requirements to keep in mind:
Yes, we offer several additional motorcycle insurance options in New York. Keep in mind that New York’s no-fault policy for car accidents doesn't apply to motorcycles, because the state doesn’t recognize motorcycles as motor vehicles. This means motorcyclists aren't entitled to medical and lost wage benefits under the no-fault policy.
As a result, we recommend purchasing optional motorcycle insurance beyond the minimum required coverages to help reduce your out-of-pocket costs following an accident. Consider the following:
Comprehensive coverage helps pay for the costs of repairing your motorcycle following an accident, such as hitting an animal. It can also help compensate you if your motorcycle is stolen, vandalized, or damaged by a natural disaster such as an earthquake or a fire.
Collision coverage helps cover damages to your motorcycle caused by colliding with an object or tipping over, regardless of fault.
If you’re in an accident where the other motorist doesn’t have enough coverage to pay for your injuries or vehicle repairs, you could end up paying those bills yourself. Purchasing supplementary coverage on top of the required uninsured and underinsured motorist coverages listed above can help limit your out-of-pocket costs in those cases.
Medical payments coverage helps pay for you or your passengers’ medical expenses for bodily injury, sickness, disease, or death.
This coverage helps pay for original replacement parts if your bike is damaged in a covered accident.
We offer the following discounts on motorcycle insurance in New York:
If you’re looking to escape the summer heat of New York City, consider visiting Lake George. This lake is located in the Great Appalachian Valley, within the southeast Adirondack Mountains. The town that shares the lake’s name is a popular summer resort, with restaurants, water attractions, and amusement parks.
If you’re a history buff, don’t miss Fort Ticonderoga. This fort—which attracts nearly 75,000 visitors each year—was built between 1755 and 1757, and was held by French forces to control a major north/south water travel route. Today, it’s home to the largest series of untouched Revolutionary War era earthworks in the country.
This scenic motorcycle ride will take you across several of the Northeast’s most impressive and historic bridges. You’ll start in New York City with the George Washington Bridge and head west through the Hudson River Valley. Get ready for some twisting, winding roads and beautiful architecture along the way.
New York is full of riding opportunities. Whether you want to stay in America’s largest city, cruise country roads, escape to the lake, or visit the seaside, you’ll have a great time. But before you head out on the road, get your New York motorcycle insurance in order. Give us a call at 866-324-7952 to get started.