To operate a motorcycle on public roads in Ohio, you must have a valid operator's license. The Ohio Department of Public Safety states that a motorcyclist must have one of the following:
In addition to a motorcycle license or endorsement, here’s what’s required for you and your bike to be considered street legal when riding:
According to Ohio motorcycle law, you must wear a helmet if you’re under the age of 18 or if you’ve had your motorcycle license or motorcycle endorsement for less than one year. If you’re required to wear a helmet, so are your passengers.
There are more than 34,000 registered motorcycles in Ohio, and each one is required to carry minimum liability insurance. The insurance coverage minimums for Ohio are:
While these minimums are relatively average compared to other states across the U.S., some motorcycle operators choose to carry higher limits on their motorcycle insurance coverage to provide adequate protection for themselves and their bikes.
We're happy to help you determine what full coverage best fits you and your ride. We cover many different types of motorcycles, from manufacturers such as Harley-Davidson®, Honda®, and Indian®, to models ranging from cruisers and touring to sport bikes. If you’ve added your personal touches with optional equipment, we can insure those pieces, too.
In addition to the liability coverage limits required in Ohio, Dairyland® provides various forms of additional motorcycle insurance coverage to help protect you and your bike:
With more than 13 percent of Ohio motorists hitting the road uninsured on any given day, we recommend this optional coverage. Underinsured coverage protects you in the event you have an incident with an at-fault driver whose insurance isn’t enough cover the costs.
Should you be involved in an accident, collision coverage helps pay for damages to your bike, minus your deductible. Bear in mind, this coverage is limited to the actual cash value of your motorcycle at the time of the incident, up to $60,000.
If your bike is damaged due to fire, wind, water, theft, or vandalism, comprehensive policy coverage will help protect your ride up to $60,000.
Optional/special equipment motorcycle insurance coverage helps protects your ride against damage or loss of permanent equipment that isn’t factory standard.
Here’s just a small sample of the discounts we offer on Ohio motorcycle insurance policies. They're all designed to make a quality motorbike insurance policy affordable for you:
The Windy 9 is nine different motorcycle routes, all roughly 50–100 miles long. These well-maintained roads in southeastern Ohio provide plenty of twists and turns and a variety of landscapes, including forests, hills, small towns, and waterways.
The Windy 9 offers something for everyone, from state parks to historical sites and good eats. In all, there’s more than 1,000 miles to explore.
Plenty of rides are known for their twists and turns, but what makes the Triple Nickel (OH 555) noteworthy is how unexpected and sharp many of its corners are. You'll be snaking your way mostly through farmland and rural areas on this route.
The Triple Nickel requires your attention—watch your gas tank, the road, and your speed when taking this route.
Hocking Hills, also a part of the Windy 9, is a topographically diverse region full of cliffs, gorges, rock shelters, and waterfalls. Although the Hocking Hills area has enough features to fill several days’ worth of adventure, this 93-mile sampler is enough to whet your appetite for more.
You may also want to explore the many parks in the area, which provide ample opportunity for hiking, camping, birdwatching, fishing, boating, and swimming.
Before you get on the road in Ohio, you need to be properly insured. Then you can explore all the Buckeye State has to offer. And if you're anywhere near Cincinnati, make sure to get some of that authentic Mediterranean-inspired chili.