Motorcycle Insurance 101: Specialty Vehicle Protection

All moving vehicles should be insured—cars, boats, golf carts, and yes, motorcycles. Policies for each vary to meet the unique needs of each vehicle type. So, if you’re planning to buy a bike this summer, then you need to know a thing or two about the insurance coverage. Here’s your guide to Motorcycle Insurance 101. 


What does a motorcycle insurance policy include?


The first lesson of Motorcycle Insurance 101 is that policies vary. Yet, generally, they cover:


  • Damage done to your bike if it collides with another vehicle or another object.
  • Certain damage done to another person’s property while riding your bike. (This often includes legal defense in lawsuits.)
  • Injuries someone else sustained during an accident in which you were involved. (This can also include legal defense.)
  • Losses from incidents other than collisions, such as fire, theft, or vandalism.

How much do I need?


This depends on the motorcycle you own. If you have a faster bike, you will probably need to spend more to insure it. You should consider increasing your coverage for liability and medical care to compensate for the elevated risk.

Is motorcycle insurance legally required?


Every state requires some liability insurance, but the requirements vary.

Will motorcycle insurance cover races?


Again, refer to the first lesson of Motorcycle Insurance 101: each policy is different. Many, though, won’t cover accidents incurred on a racetrack. If you’re a racer, review your policy and see if you need extra protection.

How can I get discounts on motorcycle insurance?


It’s not difficult to keep your insurance rates low.


  • Choose your motorcycle wisely. Fast, aggressive machines are more expensive to insure, so choose a safer option.
  • Maintain a clean driving record.
  • Get another specialty vehicle. Many carriers offer discounts to those insuring multiple machines.

Will other riders and passengers be covered by my insurance?


The answer to this question varies by policy. If you bought minimum liability protection, then a passenger may not have coverage. The same goes for other drivers. Ask your Hibbs agent about your policy’s details.

Do I need insurance if I only have a learner’s permit?


Yup! Most states require you to at least carry liability coverage.


If you have any other questions about motorcycle insurance, give us a call. One of our agents will be happy to help you find the policy you need.