Motorcycle Insurance North Carolina

Are you searching for reliable motorcycle insurance in North Carolina? Call us now for a free quote and discover tailored coverage options that suit your riding needs and protect you on the road.

State Liability Requirements

Required Liability Coverage:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 30/60/25

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Motorcycle Insurance North Carolina- Rating Factors in Hendersonville

When considering Motorcycle Insurance North Carolina, it’s important to understand the factors that influence your rates in Hendersonville. These factors include your age, driving history, type of motorcycle, and usage frequency. Additionally, your credit score and the coverage options you choose play significant roles. Comprehensive and collision coverage, along with liability limits, will also impact your premiums.

Rating Factors Breakdown

To help you compare, here’s a quick look at average rates from some of the top insurance companies we work with:

Insurance CompanyAverage Monthly RateCoverage Options
Progressive$75Full Coverage
Dairyland$85Liability Only
The General$90Broad Form

When seeking Motorcycle Insurance North Carolina, consider these key factors to ensure you get the best rates and coverage:

  • Age and driving history: Younger riders and those with violations may face higher rates.
  • Motorcycle type: Sportbikes typically cost more to insure than cruisers.
  • Coverage options: Full coverage will be more expensive than liability only.
  • Credit score: A higher credit score can lead to lower premiums.

Feel free to call us now for a free quote tailored to your needs. Let us help you find the best motorcycle insurance in North Carolina!

How to Get a Free Quote [Motorcycle Insurance North Carolina]


Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.



Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have



We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.



Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Motorcycle Insurance North Carolina-Motorcycle Coverages Needed

When seeking Motorcycle Insurance North Carolina, it’s essential to understand the various coverages available to ensure you are adequately protected. The primary coverages include liability insurance, which covers damages to others if you’re at fault, and collision insurance, which covers your motorcycle in case of an accident. Comprehensive coverage protects against non-collision events like theft or weather damage, while uninsured/underinsured motorist coverage safeguards you if the other party lacks sufficient insurance.

Coverage Options and Average Costs

Here’s a quick comparison of coverage options and average monthly rates from some of our partner insurance companies:

Coverage TypeProgressiveDairylandThe General
Liability Only$50$55$60
Full Coverage$75$85$90
Comprehensive + Collision$65$70$80

When considering Motorcycle Insurance North Carolina, make sure to include these key coverages:

  • Liability Insurance: Covers bodily injury and property damage to others.
  • Collision Insurance: Covers damage to your motorcycle from an accident.
  • Comprehensive Insurance: Protects against theft, fire, and natural disasters.
  • Uninsured/Underinsured Motorist Coverage: Protects you from drivers with insufficient insurance.

How Much is Motorcycle Insurance North Carolina?

When considering Motorcycle Insurance North Carolina, rates can vary based on several factors such as your age, driving history, type of motorcycle, and coverage levels. On average, the monthly cost can range from $50 for basic liability coverage to $90 for full coverage with comprehensive and collision. Insurance companies like Progressive, Dairyland, and The General offer competitive rates tailored to meet your specific needs.

Average Monthly Rates by Coverage Type

Insurance CompanyLiability OnlyFull Coverage
The General$60$90

To ensure you get the best Motorcycle Insurance North Carolina rates, consider the following:

  • Your driving history: Clean records typically receive lower rates.
  • Type of motorcycle: Sportbikes often cost more to insure than cruisers.
  • Coverage levels: Higher coverage limits and additional options like comprehensive and collision increase premiums.
Motorcycle Insurance North Carolina

Motorcycle insurance is a type of insurance policy that provides financial protection to motorcycle owners in case of accidents, theft, or damage to their motorcycle. The coverage can vary depending on the policy, but typically includes liability coverage, collision coverage, and comprehensive coverage.

Liability coverage covers damages and injuries to other people or property if you are found at fault in an accident. Collision coverage covers damages to your motorcycle if you are involved in an accident, while comprehensive coverage covers non-collision-related damage such as theft, vandalism, or weather-related incidents.

It’s important to note that these figures are estimates and can fluctuate based on factors such as the rider’s age, driving history, type of motorcycle, and coverage options selected. Riders are encouraged to obtain personalized quotes from multiple carriers to find the best motorcycle insurance that suits their specific needs and budget.

Motorcycle Insurance North Carolina Tips and Tricks

Motorcycle insurance in North Carolina is essential for protecting yourself, your investment, and meeting legal requirements. North Carolina law requires motorcycle operators to carry a minimum amount of liability insurance. Beyond the legal necessities, the right coverage can also protect you from the financial impact of accidents, theft, and other risks. Here are some tips and tricks to help you find the best motorcycle insurance in North Carolina:

When looking for Motorcycle Insurance in North Carolina, there are a few key tips to keep in mind to ensure you get the best rates and coverage. Start by comparing quotes from multiple insurers, including Progressive, Dairyland, and National General, to find the most competitive rates. Consider bundling your motorcycle insurance with other policies, like auto or home insurance, for potential discounts. Additionally, maintaining a clean driving record and taking a motorcycle safety course can help lower your premiums.

To make an informed decision about your motorcycle insurance, it’s crucial to understand the types of coverage available. Full coverage policies offer comprehensive protection, including liability, collision, and uninsured motorist coverage, while liability only policies cover damages you may cause to others. For riders looking for the cheapest options, opting for higher deductibles can reduce monthly rates. Here’s a comparison of estimated monthly premiums for different coverage options:

Insurance CompanyLiability OnlyFull Coverage
National General$28$78

Quick Tips:

  • Compare multiple quotes.
  • Bundle policies for discounts.
  • Maintain a clean driving record.
  • Consider higher deductibles for lower monthly rates.
  • Take a motorcycle safety course for additional discounts.

By following these tips, you can find the best [Motorcycle Insurance North Carolina] policy to suit your needs and budget.

Impact on ratesDiscounts Available
MildPaperless Discount
HighAuto Pay
MildMulti Policy
HighPaid in Full
HighAdvanced Quote
HighNo Accidents or Violations

Motorcycle Insurance North Carolina-Where To Ride In North Carolina

  • Now that you have taken the steps to be able to legally ride on the road, lets look at some great routes for you to take!
  • NC is known to challenge your riding skills. It was created just for motorcycling. Its scenery is like no other, you will get to have the Smokey Mountains in your rearview!
  • We have broken down 5 of the most popular routes! Tail of the Dragon (Deal’s Gap)- This has 318 curves and 11 miles long! This is the most challenging route and takes great skill and concentration.
  • Cherohala Skyway- This route is going to be more relaxing and a more scenic route for you. The elevation sits at over 5400 feet high!
  • The Hellbender 28- This will most certainly be an exhilarating ride! Its going to switch up so much full of hills, curves, corners, sweepers, and elevation changes! The scenery will be those right off a post card.
  • The Copperhead Loop- This route too has a great mixture of hill, curves, switchbacks, amazing views, and the most peaceful mountain streams. This one is not for the rookies, it can be challenging, even for the most seasoned rider!
  • Shiner’s Run- locals call it “the Rattler” it is a 33 mile stretch into NC. This is going to take you into great landscapes of scenic farms and old churches. There are plenty of stops you can look out into to see the mountain views and the valleys. A must stop is the Trust General store at the end of the route!

Frequently Asked Questions About Motorcycle Insurance in North Carolina

Q1: What is the minimum liability insurance requirement for motorcycles in North Carolina?

A1: In North Carolina, the minimum liability insurance requirement for motorcycles is typically $30,000 bodily injury coverage per person, $60,000 bodily injury coverage per accident, and $25,000 property damage coverage.

Q2: What additional coverage options are available for motorcycle insurance in North Carolina?

A2: Motorcycle riders in North Carolina can choose additional coverage options such as comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, and coverage for custom parts and accessories. These options provide extra protection beyond the state’s minimum requirements.

Q3: Are there any discounts available for motorcycle insurance in North Carolina?

A3: Yes, motorcycle insurance providers in North Carolina may offer discounts to riders who have completed a motorcycle safety course, maintain a good riding record, bundle their motorcycle insurance with other policies, or have anti-theft devices installed on their bikes. It’s a good idea to inquire about available discounts when shopping for coverage.

Q4: Do motorcycles need insurance in North Carolina?

A4: Yes, motorcycles in North Carolina are required to have insurance. The state mandates a minimum amount of liability insurance for motorcycles, similar to the requirements for auto insurance.

Q5: Which insurance company has the cheapest motorcycle insurance?

A5: The cost of motorcycle insurance varies based on several factors, including the rider’s age, driving history, and the type of motorcycle. Companies like Progressive, Dairyland, and National General are known for offering competitive rates, but it’s important to compare quotes to find the cheapest option for your specific needs.

Q6: What insurance do I need for my motorbike?

A6: At a minimum, you need liability insurance for your motorbike to cover bodily injury and property damage that you may cause to others in an accident. However, for better protection, consider additional coverage like collision, comprehensive, uninsured/underinsured motorist coverage, and coverage for custom parts and accessories.

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Motorcycle Insurance North Carolina

Motorcycle Insurance in North Carolina

Learn about motorcycle insurance options in North Carolina provided by Learn and Serve Insurance. We offer comprehensive coverage tailored to your needs.

  • Liability Insurance
  • Full Coverage
  • Discounts Available
  • Easy Claims Process

For personalized guidance and a free quote, call us at 1.888.445.2793.

Last Updated on by Camron Moss

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