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You bought a motorcycle, what insurance do you need?
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You bought a motorcycle, what insurance do you need?

Nice—congrats on the bike! 🏍️ Now, for motorcycle insurance, it depends on where you live and how much coverage you want. But here’s a breakdown of the main types of insurance you’ll typically need or want:

✅ Minimum Required (Legally Required in Most Places):

  1. Liability Insurance
    • Bodily Injury Liability: Covers injuries you cause to others.
    • Property Damage Liability: Covers damage to others’ property (like a car or fence).

This is the bare minimum to ride legally in most places.

💡 Highly Recommended Add-Ons:

  1. Collision Coverage
    • Covers damage to your bike if you hit something (car, tree, etc.).
  2. Comprehensive Coverage
    • Covers non-collision stuff like theft, vandalism, weather damage, fire, etc.
  3. Uninsured/Underinsured Motorist Coverage
    • Protects you if someone hits you and doesn’t have insurance or not enough.
  4. Medical Payments / Personal Injury Protection (PIP)
    • Covers medical bills for you and your passenger regardless of fault (PIP not available in all states).

🧤 Optional, but Good to Have:

  1. Accessories Coverage
    • Covers gear or modifications like saddlebags, custom pipes, helmets, etc.
  2. Roadside Assistance
    • If your bike breaks down or you run out of gas.
  3. Trip Interruption Coverage
    • Covers lodging and food if you break down far from home.