Motorcycle Insurance

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Motorcycle Insurance

Purchasing motorcycle insurance can help you keep yourself and your motorcycle safe in case of an accident or theft. 

Working with a motorcycle insurance provider will help you plan for future unpredictable accidents with your two-wheeled vehicle. Learn how Stampede Insurance can offer safety for you and your motorcycle's future.

What To Know About Motor Insurance

Similar to auto insurance, motorcycle insurance is legally required in most states except Hawaii, Michigan, Montana, and New Hampshire. However, you may be surprised to know that most auto insurance coverages do not cover or include your motorcycle

Any injury claims you may have could be severely harmed due to this. Purchasing motorcycle insurance is key to staying prepared and avoiding too many risks. Review some of the coverage basics below:


This handles bodily injury and property damage to other people involved in an accident that you may cause. It does not cover personal injury or motorbike damage. 


This covers losses resulting from something other than a collision, such as fire, theft, or vandalism. Note that it pays for damages minus your deductible and will only cover the motorcycle's book value.

Motorcycle Collision 

This insurance protects your motorcycle in a collision with another vehicle. Damages (typically the book value of your bike before the loss) are covered minus your deductible.

Coverage For Customized Motorcycle Parts

Many comprehensive and collision insurance policies exclude or limit coverage for factory-standard parts on your motorcycle. If you decide to add optional items like chrome pieces, a custom paint job, trailers, or sidecars, be sure you understand the coverage restrictions with your insurer.

Uninsured/Underinsured Motorist (UM/UIM) 

This handles the losses to you and/or your property caused by another driver who is either uninsured (uninsured) or underinsured (underinsured) (underinsured). Medical treatment, lost wages, and, in rare situations, property damage is often covered by UM/UIM plans.

Applying For Motorcycle Insurance In The U.S.

When insuring your motorcycle, several insurance providers will consider various variables. Keep in mind that one company may not be the ideal match for everyone. The following information will be examined as a result of investigating these issues:

  • Driving history
  • History of credit
  • Date of Birth, Address
  • The Motorcycle's Type
  • The Number of Motorists

Motorcycle insurance is needed in 49 of the 50 states. However, not all states require the same level of coverage. Each state has its own set of minimum bodily injury and property damage liability requirements, determining how much a policyholder's motorbike insurance carrier will pay.

Motorcyclists must carry at least $25,000 in bodily injury protection per person and $50,000 per accident in most jurisdictions, and $10,000 in property damage coverage. Slashes are typically used to separate the three limits: (25/50/10).

Frequently Asked Questions About Motor Insurance

Here are a few commonly asked questions looking into motorcycle insurance browse through:

How is the cost of my motorcycle insurance calculated?

Your Motorcycle Insurance premium is determined by several criteria, including the likelihood of you filing a claim, the type of coverage you select, the motorcycle model, the amount of coverage you choose, and the names and addresses of the listed riders. These are called premium factors.

Is motorcycle insurance mandatory in the USA?

Motorcycle insurance is required in 24 states for mopeds and scooters as of 2015. Mopeds and slow scooters (with top speeds of 30-35 mph) are less likely to require insurance than motorcycles and fast scooters. Your agent can assist you in determining the appropriate level of coverage for you.

What do I need for motorcycle insurance?

Most states mandate motorcyclists to purchase plans that include at least $25,000 in physical injury protection per person and $50,000 in total accident coverage, and $10,000 in property damage coverage.

Maximizing your safety options and finding the right flexible motorcycle insurance that meets your priorities can make a big difference long term. Let our professionals review your present policy and assess your personal, financial, and lifestyle changes. 

For a free quote or to discover more about your possibilities with our motorcycle insurance products, contact Stampede Insurance today.

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