Motorcycle insurance

More than cheap motorcycle coverage
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Get insured

Affordable motorcycle insurance

Since 1966, millions of riders have picked Dairyland® insurance to protect their motorcycles. We're best known for our:

  • Quality, customized motorcycle insurance policy options

  • Money-saving insurance discounts

  • Industry-leading customer service

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See why riders trust Dairyland insurance.

What does motorcycle insurance cover?

We offer multiple motorcycle coverages to help you customize your insurance policy with the protection you want, at low prices you want to pay. Here are just some of the coverage options we offer:

Standard motorcycle insurance

  • Bodily injury liability

  • Property damage liability

  • Guest passenger liability

  • Collision

  • Comprehensive

Specialty motorcycle insurance

  • Optional/special equipment

  • Replacement cost

  • Roadside assistance

  • Rental reimbursement

After you review the state requirements for motorcycle insurance, get your fast motorcycle insurance quote. Your coverage can start today!

Motorcyclist looking at phone while leaning on his bike

What types of motorcycles are covered?

We cover all types of motorcycles, from manufacturers such as Harley-Davidson, Honda, and Indian.* And a range of models, including:

  • Cruisers

  • Touring

  • Standard bikes

  • Sport touring

  • Choppers

  • Adventure touring

  • Sport bikes

  • Three-wheelers

Wondering about other types of two-wheeled rides? We've got you covered with dirt bike, moped, and scooter insurance, too.

How to lower your motorcycle insurance policy with discounts

If you’re looking for cheap motorcycle insurance, our discounts deliver. What’s better, you can save without sacrificing protection. Here are a few of the cost-saving insurance discounts we offer:

  • Multi-cycle discount

  • Harley Owners Group (H.O.G) member discount

  • Home ownership discount

Check out all of our insurance discounts or call 866-324-7952 to find out how much you can save today.

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

How much is motorcycle insurance?

We offer motorcycle insurance that can start as low as $7 per month.** However, there are many factors that go into the cost of motorcycle coverage. Factors include:

  • The state you reside in

  • Your riding history

  • The types of coverage you want.

Contact us and one of our knowledgeable representatives can walk you through the details.

How can I get cheap motorcycle insurance coverage?

Here are some of the many things you can do to lower your motorcycle insurance costs:

  • Be sure to take advantage of motorcycle insurance discounts, like multi-cycle, homeowner, paid in full, and rider group discounts.

  • Attend and complete a motorcycle rider training course.

  • Choose a higher deductible to help reduce your premium.

  • Review your motorcycle coverage regularly and customize it based on requirements and what you want to cover.

Are motorcycles expensive to insure?

Motorcycles themselves are typically less expensive to insure than cars since they cost less to buy, maintain, and repair. It’s important to note, however, that insurance policy rates for your bike depend on the types and amounts of coverage you select.

For example, since bikes offer less protection in an accident than cars, coverages like guest passenger liability can be more expensive for a motorcycle rider.

What is the cheapest style of motorcycle to insure?

Less expensive, lower horsepower motorcycles—like standard bikes—typically allow for the cheapest insurance premiums. The bike itself is less expensive, and the low horsepower reduces the likelihood of getting in an accident, so it can be considered less of a risk to insurers.

Other types of motorcycles, like sport bikes, tend to be more expensive and higher horsepower, which can lead many insurers to require higher insurance premiums to make up for the higher risk factors.

Dairyland motorcycle insurance reviews

We believe riders like you deserve affordable motorcycle insurance coverage and exceptional service. See what your fellow riders are saying about us.

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Adventure-seekers love Dairyland

Motorcycle insurance FAQs

Do I need motorcycle coverage?

Motorcycle insurance coverage requirements are different throughout the country. Check out our state-by-state guide for specific motorcycle insurance requirements in your state. Have insurance questions? Give us a call at 833-868-0228.

What motorcycle coverages should I have?

Aside from the coverages required in your state, it’s your choice. Customizing your coverages helps protect what’s important to you while also helping you save money. Here are some motorcycle insurance recommendations to think about as you make your insurance decisions.

The most important thing to focus on is finding the best motorcycle insurance coverage for you.

Do you offer payment options?

Yes, we offer a variety of flexible payment options, including paid in full, monthly payments, and automatic payments. Just keep in mind that your payment plan will depend on your situation.

All payments can be made online—with or without an online account—and you can set up bill alerts to help make sure your coverage stays up to date.

Should I cancel my motorcycle policy in the winter?

If winter doesn’t hit too hard, you might have the urge to ride your motorcycle on nicer winter days and want—or are required—to be protected while on the road. But even if you don’t ride, there are reasons to keep your motorcycle insurance during winter, including potentially cheaper rates.

What happens if my motorcycle is stolen?

In most cases, theft is included under comprehensive coverage. For complete details on what's covered as part of theft protection, contact your insurance agent or provider. Remember, there are many steps you can take to help prevent motorcycle theft.

More motorcycle insurance resources to help you

Instructor and student shake hands before a motorcycle safety lesson

A motorcycle training course will help you protect your ride, teach you the rules of the road, and may even qualify you for a motorcycle insurance discount. We'll explain how!

Close-up of a motorcycle brake lock

You can help prevent motorcycle theft by reviewing and applying these security measures, both at home and on the road.

Man pushing a motorcycle into a storage garage
Canceling your motorcycle insurance when your bike is in storage for the winter may seem like an easy way to save money. But the risks of not carrying motorcycle insurance in winter outweigh the rewards.
Bundle your motorcycle with your ATV, UTV, dirt bike, or snowmobile and save.

*All product names, logos, brands, and trademarks are property of their respective owners. All company, product, and service names are for identification purposes only. Use of any of the foregoing does not imply endorsement.

**Data accuracy is subject to this article’s publication date.