Whether you’re traveling cross-country on a cruiser or getting around town on a moped, you need the right kind of bike insurance for your vehicle. The minimum coverage required by law is Liability Property Damage and Liability Bodily Injury. These two options come automatically with any motorcycle policy you buy, regardless of where you live or what insurance provider you purchase your policy from.
Liability Property Damage covers the costs of replacing or repairing property damaged by a collision with your bike. Liability Bodily Injury covers the medical expenses, loss of income, and possible funeral expenses of anyone injured in a collision with your bike.
Contrary to popular belief, this policy is not limited to motorcycles alone. It can also apply to:
- Scooters
- Motocross bikes
- Dirt bikes
- Mopeds
- Trikes
All of the vehicles above are covered by your typical motorcycle insurance policy. No matter what you drive, you’ll want the peace of mind that comes with knowing you are safely insured.
In some states, a passenger riding with you on your bike is covered separately under Passenger Liability Coverage, but some policies give you the option of forking out a slightly higher premium in order to have passengers covered under Liability Bodily Injury. At some point you will undoubtedly be riding with a passenger, so making sure they are covered is an important element to consider when purchasing your bike insurance policy.
These Bike Insurance Companies Offer The Lowest Prices In Your Area
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| Type of Coverage | What it Pays For |
| Accessories Coverage | Repairs/replaces any damaged saddlebags, backrests, seats, chrome pieces and CB radios |
| Collision Coverage | If your bike collides with another person’s property or is hit by another motorist, collision insurance will cover your expenses |
| Comprehensive Physical Damage | Covers your bike for unfortunate events other than collision, such as theft, fire, falling objects, or natural disasters |
| Medical Payments/No-Fault/Personal Injury Protection | covers medical expenses for you and your passenger(s) regardless of fault |
| Uninsured/Underinsured Motorists Coverage | Pays for expenses in the event of a collision with an uninsured, underinsured, or unidentified driver (if the crash is not your fault). It can also cover the medical expenses and lost wages of you and your passenger. |
Note: Uninsured/Underinsured Motorist Coverage will vary from state to state, so talk to your insurance agency about your policy and make sure you understand it clearly before you sign any final paperwork.
Important Information for First-Time Riders – Know what You Need to Stay Safe
Finding the best bike insurance (especially if this is your first time ever owning one) may seem like a complicated venture. Luckily, there are ways to simplify the process and save yourself some money.
Your personal history will be the first thing most insurance companies look at. A clean driving record will help you get cheap bike insurance and a much better premium on your policy. Responsible drivers with a long, clean record may be eligible for a Responsible Driver discount. However, even with a good record, a lack of driving experience with a motorcycle may count against you. You might also want to consider looking into defensive driving or motorcycle safety courses in order to reduce your risk and lower your premiums.
The make, model, and year of your vehicle will also have a significant impact on your insurance premiums. Sport bikes (and also their drivers) are considered riskier and more accident-prone than cruisers or touring bikes. These faster, sportier motorcycles may carry with them immensely higher insurance premiums. If you haven’t yet purchased a motorcycle, talk to your insurance company about which bike might be the best option for affordable insurance.
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