Motorcycle Insurance 101

Do you prefer two wheels over four? If you own a motorcycle, it is important to know that yes, you will need insurance and that like car insurance, most states set minimum limits that your liability insurance coverages must meet. These state mandated limits are normally low and you may need to opt for more coverage if you are a regular rider.

Motorbike On The Way In Summer Adventure Trip

Motorcycle Types Covered

  • Standard
  • Cruiser
  • Touring
  • Sport Touring
  • Sports Bike
  • Trike
  • Dirt Bike
  • Dual Purpose
  • Scooter/Moped
  • Autocycle

Motorcycle Insurance Coverages

Though motorcycles are generally less expensive than cars, the damage that can incur to the bike and rider can be costlier. Because of this, motorcycle insurance looks very different than car insurance and you will need a specific motorcycle insurance policy separate from your car insurance policy. The amount of coverage you need will depend on several factors such as type of bike and how much you ride.

Bodily Injury Liability

Bodily injury liability will cover you if you are found liable for causing injury to someone else while riding your motorcycle.

Property Damage Liability

Property damage liability covers you if you cause damage to someone’s property while riding your motorcycle.


Collision coverage helps pay for repairs if your bike is damaged in an accident.


Comprehensive will help with damages to your bike that are the result of someonething other than an accident, such as vandalism.


Uninsured/underinsured motorist coverage comes into play if you are in an accident with someone who is without insurance coverage/insufficient coverage.

For more information about motorcycle insurance coverages, you can reach out to your DMV. To provide motorcyclists with the right motorcycle insurance for the right price, SafeAuto has teamed up with Dairyland. Get a free quote today.

Add Comment