Motorcycle Insurance

Trusted by riders for more than 50 years.

✓ Protect your bike at an affordable rate
✓ Leverage money-saving discounts
✓ Customize coverage based on your needs

Call 866-324-7952

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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 options:

Standard motorcycle insurance coverages

Bodily injury liability
Collision
Comprehensive

Specialty motorcycle insurance coverages

Optional/special equipment
Replacement cost
Roadside assistance

After you review the state requirements for motorcycle insurance, find the insurance coverage you’re looking for by getting a fast motorcycle insurance quote. Coverage can start today!

What types of vehicles 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
Café racers
Sport bikes

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

Look at ways to save with insurance 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.

Here’s how you can get an insurance quote

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

Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.
Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).
Select the coverages you want.

That’s it! You’ll receive your affordable quote after following these simple steps.

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 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 personal injury protection and guest passenger liability can be more expensive for a motorcycle rider.

How much does it cost to insure a motorcycle?

Dairyland offers motorcycle insurance that can start as low as $6 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, and 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?

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, 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.
Learn what else you can do to help reduce your motorcycle insurance costs.

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.

Additional insurance FAQs for motorcycles

Do I need motorcycle insurance?

Motorcycle insurance coverage requirements are different throughout the country. Check out our state-by-state guide for specific motorcycle insurance requirements in your state, or give us a call at 866-324-7952.
What motorcycle coverages should I have?

Aside from the coverages required in your state, it’s your choice. Customizing your coverage 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.
Does Dairyland offer payment options?

Yes, we offer a variety of flexible payment options, including monthly payments and automatic payments. 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.

Get insured and ride on.

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