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Motorcycle Insurance: What Coverage is Best for You?

It’s time to ride! If you’re a motorcyclist ready to hit the open road, you need to make sure that both yourself and your bike are fully protected with the right motorcycle insurance policy. Finding appropriate coverage can be an intimidating task that often leaves riders feeling uncertain of their options. There are many factors to consider, such as what kind of protection is necessary and how much it will cost. Don’t worry — we’re here to explain all there is to know about motorcycle insurance so you have everything needed for your own personalized plan! 

Overview of Different Types of Motorcycle Insurance Coverage  

Before deciding on which policy you want, it’s important to understand the different types of coverage available. Here is a quick breakdown of common motorcycle insurance coverage options: 

Liability Insurance 

This insurance coverage pays for damages that you are legally responsible for in an accident, such as property damage and bodily injury. It is the most common type of motorcycle insurance and a requirement in most states, so make sure your policy has enough to meet the minimum requirements. 


Not every incident involves another driver or a crash. Comprehensive coverage pays for damage to your motorcycle caused by something other than a collision. This includes events such as theft, vandalism and weather-related accidents. So, if your motorcycle is stolen or a tree branch falls on it during a storm, you are covered and able to get money for damages or replacement. 


This coverage pays for damage to your motorcycle caused by a collision with another vehicle or object. This is needed if you want to be sure your motorcycle is fully covered in the event of an accident. Comprehensive and collision coverage are usually optional, but if you have a loan on the bike then it’s typically required. 

Uninsured or Underinsured Motorist Coverage  

In case you are hit by an uninsured or underinsured driver, this coverage will pay for your medical bills and other damages. It’s a good idea to include this coverage in your policy because you can never be certain of who is around you and what kind of driver they are, it is best to cover yourself from the start. 

Medical Payments, No-Fault or Personal Injury Protection Coverage 

If you live in a state that operates on a no-fault insurance system, you may need to purchase additional motorcycle coverage to pay for your losses. Unlike a traditional fault-based system, each driver or rider in an accident in a no-fault state is responsible for paying for their own losses.  

Personal injury protection coverage helps compensate for your injuries, providing funds for medical expenses such as:  

  • Doctor’s visits 
  • Medications 
  • Surgeries 
  • Mobility equipment 
  • Lost wages due to recovery time 
  • Physical therapies
  • Any other past and future medical costs associated with the accident  

Passenger Coverage 

This is an option you won’t see with other auto insurance policies as passengers are more rarely present on motorcycles than in cars. If you do carry passengers on your motorcycle, this coverage will pay for their medical bills in the event of an accident. It’s a great option to have if you plan on taking friends or family with you on rides. 

How to Find an Affordable Policy  

Once you’ve determined what coverage you need, it’s time to find the right policy that fits your budget. Here are a few tips to help you save money on your motorcycle insurance:  

  • Shop around and compare quotes from different insurers to ensure that you get the best rate 
  • Ask about discounts for safety courses and multi-policy discounts 
  • Opt for a higher deductible to lower the cost of your premium 
  • Ask about no-claims bonuses or loyalty programs that could help you save in the long run 
  • Consider getting only liability insurance if it fits within your budget and coverage needs 

 By following these tips, you can find the right policy for your motorcycle that fits within your budget and provides you with the protection you need. 

Acceptance Insurance Has You Covered 

When it comes to motorcycle insurance, no matter what kind of coverage you need, our agents are here to guide you in finding the right policy for your bike. Here at Acceptance Insurance, we offer every coverage plan mentioned above and more to make sure you and your ride are safe on the roads. Request a free, no-hassle online quote today to get your motorcycle protected and start saving money on your policy. 

Common Questions About Motorcycle Insurance 

Does My Motorcycle Have to be Registered Before I Can Get Insurance? 

Yes, in most states you must register your motorcycle before you can purchase a policy. Make sure to check the laws and regulations in your state when it comes to registering a vehicle or obtaining insurance coverage. 

Do I Need to Carry Insurance on My Motorcycle if I Don’t Drive it Very Often? 

Yes, you should always have some form of coverage on your motorcycle. Even if you only ride occasionally or seasonally, having coverage will protect you and your bike in the event of an accident. 

Do I Need to Get Additional Coverage if I Take My Motorcycle Out of State? 

No, most policies are designed to cover you no matter where you ride. However, it’s always a good idea to double-check with your insurer that your policy covers you outside of your home state. That way, you can be sure that you and your bike are protected no matter where the road takes you. 


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