Insurance for Your Motorcycle

Whether you’re riding a motorcycle, trike, or scooter, having motorcycle insurance is not only required in most states, but strongly recommended to help protect both you and your ride.

What Does Motorcycle Insurance Cover? 

Typically, most motorcycle insurance policies will include liability coverage and collision coverage. An added benefit of motorcycle insurance is how customizable can be. For example, you may be able to include options such as accessories coverage for custom work, some electronic equipment, GPS, saddlebags, helmets, and more. Other coverage options typically include:

  • Collision Insurance
  • Bodily injury liability
  • Comprehensive insurance
  • Property damage liability
  • Medical Payments
  • Uninsured motorist coverage
  • Underinsured motorist coverage

biker driving on the highway

Is Motorcycle Insurance a Requirement? 

Currently, motorcycle insurance is required in all states except for Florida (and although it may not be strictly required in Florida, it is still highly recommended given the various risks that motorcyclists face). Each of the other states require that you provide proof of insurance prior to registering your motorcycle.

How Much Does Motorcycle Insurance Cost?

How much you will pay for insurance for your motorcycle varies depending on a variety of factors.  Such factors can include, but are not limited to:

  • The coverages you choose
  • The make & model of your motorcycle
  • The age of your bike
  • Your age
  • The engine size of your bike
  • Your driving record

To get a quote for what it will cost you to insure your motorcycle, you can request a quote from our agency.

couple riding motorcycles on road in wooded area

Are there Discounts Available for Motorcycle Insurance? 

One of the most common ways to save on motorcycle insurance is by bundling it with your home, auto, or another policy. Some carriers offer a discount for riders who complete approved motorcycle safety or accident prevention courses. Reach out to your local insurance agent to see what discounts may be available.

Does Motorcycle Insurance Include Coverage for Theft?

In the event your bike is stolen, typically you would not receive compensation under your motorcycle insurance policy unless you have purchased comprehensive coverage. Generally, comprehensive coverage can help pay to replace your bike if it is stolen, subject to policy deductibles and limits. If you have a loan on your bike, comprehensive coverage is often required by the lender.  Carefully review your motorcycle insurance policy and speak with an experienced insurance agent to determine if your policy includes comprehensive coverage.

man wearing protective gear riding a motorcycle down the road

How to Get Motorcycle Insurance

No matter if you’re looking for a new policy for your motorcycle or you are looking to renew your existing policy, calling Cross Insurance or filling out this form may provide you the assistance you are searching for. After you connect with one of our local insurance professionals, we will help you find competitive insurance options for your motorcycle.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

Request A Quote for Your Motorcycle Today

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