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Ohio motorcycle insurance

Ohio has made an industry out of providing a great experience for motorcycle riders. Its terrain helps, offering nearly every type of road, sublime landscapes, and plenty of opportunities for outdoor fun.

No matter where you end up exploring in Ohio, every ride should start with motorcycle insurance. Whether you're getting on the road to do some camping, to conquer the Triple Nickel (OH 555), or to take in some incredible vistas, you're going to need coverage to explore the Buckeye State.

What’s required of all motorcycle riders in Ohio?

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:

  • A motorcycle license
  • A motorcycle endorsement added to their driver’s license to cover motorized bikes

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:

  • Eye protection: You must wear eye protection at all times, unless your motorcycle is equipped with a windscreen
  • Proper handlebars: Your handlebars can’t be taller than shoulder-height
  • A mirror: You need at least one mirror on your motorcycle
  • Turn signals: This is required for any bike manufactured after 1967
  • Headlight: Make sure your headlight is functioning at all times
  • Muffler: You need to have a muffler on your bike—cutouts or by-passes aren’t allowed

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.

What are the motorcycle insurance requirements in Ohio?

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:

  • $25,000 for bodily injury or death to one person
  • $50,000 for bodily injury or death to two or more people
  • $25,000 for property damage in an accident

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.

Are optional motorcycle insurance coverages available in Ohio?

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:

Uninsured/underinsured coverage

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.

Collision insurance coverage

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.

Comprehensive insurance coverage

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

Optional/special equipment motorcycle insurance coverage helps protects your ride against damage or loss of permanent equipment that isn’t factory standard.

What are some motorcycle insurance discounts available in Ohio?

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:

  • Multi-vehicle: Get a discount for having more than one bike on the same policy.
  • Homeowner: If you own your home, townhouse, condo, mobile home, or modular home you get a discount.
  • Paid-in-full: Enjoy savings if you pay your premium as a lump sum as opposed to a series of payments split up over time.
  • Rider course: Save money by completing a pre-approved rider safety course.
  • Motorcycle endorsement: For doing something that’s already required in Ohio, you get cash back in your wallet by getting a motorcycle license or endorsement.
  • Rider group: Are you part of a riding club or motorcycle association? Save money by being a member of one of 20 pre-approved motorcycle riding associations.
  • H.O.G.® member: They're known throughout the world—the Harley Owners Group (H.O.G.). If you have the passion for riding a Harley and you're a H.O.G. member, make sure to get your special motorcycle insurance discount.
  • Transfer: Switch from another insurance provider to Dairyland, and receive this motorcycle insurance discount that can help you save money.

Be sure to ask for all of our motorcycle policy discounts options when you get a quote with us.

Sites to see in Ohio

Windy 9

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.

Triple Nickel

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

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.

Get an Ohio motorcycle insurance quote

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.

Get insured and ride on.

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