Get a motorcycle insurance quote

Motorcycle insurance FAQs

• Do I need to have motorcycle insurance?

  Motorcycle insurance is required in 48 states. In those 48 states, you can’t even register your motorcycle without proof of insurance. Florida and New Hampshire are the only states that don’t require owners to carry motorcycle liability insurance. For motorcycle insurance requirements in your state, contact your local motorcycle dealer, insurance agent, or insurance company for complete details. Or give us a call. We can help.

• 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. Think about your riding lifestyle. Do you ride with a passenger? Do you have a new motorcycle? Do you take a lot of long road trips? Select the right motorcycle insurance coverage for you.

• How can I get cheap motorcycle insurance?

  There are many things you can do to lower your motorcycle insurance costs. Avoid traffic violations, such as speeding. Don’t miss a payment or have a lapse in your coverage. Ask about money-saving discounts. Many insurance companies offer discounts if you complete a rider safety course, own multiple motorcycles, or are part of a motorcycle riding group. You can find more tips here.

• 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 you never miss a payment.

• 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 company. Remember, there are many steps you can take to help prevent motorcycle theft.

• How much is motorcycle insurance?

  Dairyland offers motorcycle insurance that can start as low as $6/month. However, there are many factors that go into the cost of motorcycle insurance, whether you’re a new rider or a veteran of the road. Factors include the state you reside in, riding history, and the type of coverage you want. Your insurance agent or company can walk you through the details.

• What types of motorcycles are insured?

  At Dairyland, whether you’re riding a standard, cruiser, touring, sport touring, sport bike, trike, dirt bike, dual purpose, scooter/moped, or autocycle, we can insure nearly every style from most brands. Get a quote today.

• Should I cancel my motorcycle policy in the winter?

  For some, this depends on where you live. If winter doesn’t hit too hard, you might have the urge to ride on nicer 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 motorcycle insurance during winter, including possibly cheaper rates.