Motorcycle Insurance
Motorcycle Insurance Quotes
Get the best motorcycle insurance rates from top-rated insurance companies
To get the best motorcycle insurance rates you need more insurance companies competing for your business. Some companies offer discounts for safety classes, some include better coverage or higher limits, or are less restrictive about insurance for a new motorcycle driver.
So many benefits to working with Insuremart. Our agents may even help you dislike insurance less. When you work with an Insuremart agent they shop a massive market of the top carriers. Sometimes that equates to better rates and sometimes better coverage for similar or better rates.
Even more important is helping you buy insurance that actual covers you.
Our agents also understand lay-up and usage-based options offered by some carriers, and the importance of ensuring coverage if you ever ride with a passenger.
Insuremart has direct access to
over
100
insurance carriers
Nobody can sell for less, and we work for you.
Save money on motorcycle insurance by increasing your options. That’s only the beginning.
What are the minimum coverage requirements for motorcycle insurance in my state?
Liability insurance is required in all states. Limit requirements vary.
Minimum coverage limits change because insurance company’s update risk guidelines and our government changes regulations. A better answer is Insuremart. We are licensed in 48 states and our agents have access to the latest information. Save time, money, and get professional guidance. Contact our agents.
How much does motorcycle insurance cost?
On average, a liability only policy will cost $175 per year. Make it a full coverage policy by adding comp and collision, and the average will increase to $400.
You could pay as little as $125 per year or as much as $1,500+. There are lots of factors.
What’s included in a typical motorcycle insurance policy? What about liability limits?
Liability – liability is required in all states. When you are in an at-fault accident, liability covers costs incurred by those you injured or whose property you damaged. Legal fees are also included.
- Bodily Injury Limits: Some states allow minimum coverage of $30,000 per person and up to $60,000 per accident. We suggest increasing that to auto coverage levels of $100,000-$300,000 if it makes sense for your situation.
- Property damage Limits: $25,000 is allowed in some states but consider increasing if possible because it doesn’t take much damage to ring up a $25,000 bill.
Collision – Optional unless you have a loan. Covers damage to your most prized possession motorcycle when you are involved in an at-fault accident.
Comprehensive – Coverage for damage to your motorcycle other than from an accident. Theft, severe weather, and vandalism are common.
Good to know: Insuremart works with over 100 insurance carriers. Nothing gives you an advantage when buying Motorcycle insurance — or any insurance — like a great agent and more options. Talk to our agents.
Our agents will also discuss uninsured/underinsured coverage that some insurance companies include and others offer as an add on. It’s an outstanding value because it protects you when in an accident caused by a driver who is uninsured or underinsured.
You may also be interested in Personal Gear Protection for expensive gear that may not be covered by collision or comprehensive after deductibles are factored in.
Does motorcycle insurance cover passengers?
Passenger Liability – Policies always include liability coverage for others, but often exclude passenger liability. PIP, or Personal Liability Protection (medical coverage), is another potential option that may cover passengers, and is typically not included by default.
Get a Motorcycle insurance quote from Insuremart right now. Our agents are ready to help.