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What are the motorcycle insurance requirements in Pennsylvania?

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/$30,000 per accident
  • Property damage liability: $5,000 per accident
  • Pedestrian first party benefits: $5.000

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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:

Bodily injury and guest passenger liability coverage

Guest passenger liability must be equal to bodily injury, and limits must be the same on all vehicles.

  • $15,000/$30,000
  • $50,000/$100,000 
  • $100,000/$300,000
  • $250,000/$500,000

Property damage coverage

Limits must be the same on all vehicles.

  • $5,000
  • $10,000 
  • $25,000 
  • $50,000
  • $100,000

Uninsured motorist: Bodily injury stacked and non-stacked option

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.

  • $15,000/$30,000
  • $25,000/$50,000
  • $50,000/$100,000
  • $100,000/$300,000
  • $250,000/$500,000

Underinsured motorist: Bodily injury coverage

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.

  • $15,000/$30,000
  • $25,000/$50,000 
  • $50,000/$100,000
  • $100,000/$300,000
  • $250,000/$500,000

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.

Does Pennsylvania have any optional motorcycle insurance coverage?

Yes—at Dairyland®, we have plenty of additional options to help protect you and your bike:

Medical payments

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:

  • $500
  • $1,000
  • $2,000
  • $5,000

Comprehensive and collision coverage

  • Up to $60,000 actual cash value


Deductibles may vary between comprehensive and collision, and across multiple vehicles for both comprehensive and collision.

  • $100 
  • $250
  • $500
  • $1,000

Motorcycle insurance discounts

We offer money-saving insurance discounts on our already affordable rates. Here are just a few of the discounts available to you:

  • Multi-vehicle discount: A discount for having more than one bike on the same policy
  • Homeowners discount: If you own your own home, you get a discount
  • Paid-in-full discount: Enjoy savings if you pay your premium as a lump sum as opposed to a series of payments over time
  • Safety course discount: Save money by completing a pre-approved course
  • Transfer: Switch to Dairyland as your insurance provider and you’ll receive a transfer discount on your insurance policy

Be sure to ask about any available discounts when you get your quote.

Sites to see in Pennsylvania

PA Route 6

PA Route 6 has so much beauty to offer—evergreen forests, rivers, lakes, bogs, swamps, and mountains. With a list this long, you could turn this trip into a multi-day adventure, or explore it section by section over a series of trips.

If you start in Milford and ride to Carbondale, the nearly 90-minute ride will hit the best of PA 6, including the famed Pennsylvania Grand Canyon.

Route 655 through Big Valley

With rolling countryside, distant mountains, and the second-largest Amish population in the state, this route has plenty to experience. Make sure to bring your shopping bag and appetite, because you'll be passing plenty of great eats and shops along the way.

Highway to the Stars

This route takes you through Cherry Springs State Park, a favorite spot for astronomers and stargazers because the sky is so clear and dark. You’ll enjoy a breathtaking view, rivaling the mountains, rivers, and foliage here on Earth. Indeed, an otherworldly ride!

Get a Pennsylvania motorcycle insurance quote

With coverage from Dairyland Insurance, 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.

Get insured and ride on.

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