Motorcycle Insurance, Made Simple
Liability-only, full coverage, custom parts & gear — compare options by state and save in minutes. Start your quote now.
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What Riders Get Wrong About Motorcycle Insurance
- Liability vs Full Coverage — liability covers others; full coverage adds collision & comprehensive for your bike. Compare both.
- UM/UIM & MedPay — protects you if the other driver has little or no insurance. See your options.
- Custom Parts & Accessories — pipes, fairings, luggage, riding gear often need extra limits. Add CPE coverage.
- Lay-Up & Seasonal Use — some carriers price for storage months; discounts may apply. Check eligibility.
Coverage Types at a Glance
| Coverage Type | What It Covers | Good For |
|---|---|---|
| Liability | Bodily injury & property damage you cause to others. | Every rider (often state-required). |
| Full Coverage | Liability + collision & comprehensive (protects your bike). | Newer/financed bikes, theft or storm risk. |
| UM/UIM & MedPay | Your injuries if the other driver has little/no insurance. | High-risk traffic areas; rider medical protection. |
| Custom Parts (CPE) | Aftermarket parts, gear, and accessories above base limits. | Modified bikes, added luggage, performance parts. |
Not sure what you need? Start a quick quote and compare.
What Affects Your Motorcycle Insurance Price?
- Bike type & CC — supersports and high-CC engines cost more than cruisers/standards.
- Riding record — claims, tickets, DUIs increase premiums; safety courses can help.
- Garaging & ZIP — theft/weather risk and storage (garage vs street) matter.
- Miles & usage — daily commute vs weekend rides; seasonal lay-up discounts.
- Coverage & deductibles — higher limits and lower deductibles increase price.
Want a personalized rate? Run a free quote.
Motorcycle Insurance by State
Liability limits, helmet laws, and UM/UIM vary by state. Choose your state, then get a quote.
Motorcycle Insurance by State
Liability limits, helmet laws, and UM/UIM vary by state. Choose your state, then get a quote.
Real-World Example
Jake upgraded his sport bike and added $2,000 in accessories. His old policy only covered $1,000 in custom parts. After switching through A Plus Insurance, he raised CPE limits, added UM/UIM and MedPay, and still saved 10% with a safety course discount. Check your options.
Motorcycle Insurance FAQs
Is full coverage worth it on a motorcycle?
If your bike is newer, financed, or high value, collision & comprehensive protect your bike from crashes, theft, and weather. Compare full vs liability.
Do I need UM/UIM and MedPay?
Many riders add them to cover injuries if a driver with little or no insurance hits you. See pricing.
Are custom parts covered?
Base policies include limited accessory coverage (often $1,000). Add Custom Parts & Equipment (CPE) for higher limits on pipes, fairings, luggage, and gear. Add CPE to your quote.
Can I pause coverage in winter?
Some carriers offer lay-up or seasonal ratings. Storage, reduced miles, and higher deductibles can lower cost. Check available discounts.
Compare Motorcycle Insurance Quotes Now
Liability-only, full coverage, UM/UIM, and custom parts — we’ll help you build the right policy. Start your quote online or call us.
Last Updated on by Lady Mae Enad