Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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How Much Motorcycle Insurance Do I Need

You need to purchase as much motorcycle insurance as you can afford. With different types of bikes, however, there are some aspects (such as the cost or power of the bike) that will also play a part in determining how much motorcycle insurance you will need.

Compare online insurance rates for different types of bikes by entering your zip code now!

The fact is, though, that motorcycles come automatically with more dangers than a car. The nature of the insurance has to be different, and your policy will be determined by a number of factors, some of which you have the ability to choose.

Basic Coverage for Motorcycle Insurance

Some plans or companies may encourage you to get only basic coverage, or only property damage coverage. You will have to, of course, purchase liability insurance . This may not always be the best plan, as a policy like this could leave you in the lurch in the event of a big accident that causes a lot of damage to yourself or your property (or both).

If you are planning to use your motorcycle as much as possible, during all times of the year, then you will definitely want to get more insurance for it than if you are planning to take it out for a little spin once or twice a month during the summer.

If you are planning to put the bike up during the winter, then you can get a “lay up” plan that allows you to temporarily suspend the comprehensive coverage during the winter months. You will need to call your agent to reactivate that part of your plan once the season kicks in again.

If you are planning on having the motorcycle as your main vehicle, or one of your main vehicles, then your “basic coverage” should include as much as possible. Cover it like you would cover your car. Definitely get enough personal coverage to protect you in the event you are injured in an accident.

This includes getting uninsured/underinsured motorist insurance that is as high as your liability coverage and as much personal injury protection (PIP) as you can afford. You may not be able to get PIP insurance for a motorcycle in all states, but be sure to check. Personal injury protection insurance is what covers you in the event of a “no fault” accident. Some states require all their drivers to get PIP insurance, but others have much different rules. Check to see what the rules are in your location.

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Type of Motorcycle and Insurance Policies

If you are still thinking about what kind of bike to get, then you will be interested in knowing that the bike you have affects your premium in a huge way, just like with auto insurance. Cheaper, commuter motorcycles cost less to insure for a few reasons. The obvious reason is because they are less expensive to replace (in fact, some people opt out of collision insurance if their motorcycle would be relatively inexpensive to replace).

Another reason is that these smaller, commuter motorcycles are cheaper to insure is because there are presumed to be fewer risks with this kind of motorcycle. Higher powered bikes go faster and are usually considered to be more dangerous. They are also more expensive to replace and repair.

The difference in rates between the different kinds of bikes can vary greatly, so if you are still shopping around, you might want to also include shopping around for quotes on the kind of premiums you can expect from different kinds of motorcycles.

Things to Think About

People find different ways to cut the costs of their motorcycle insurance policies, and you can learn a lot about how to do this by considering all the different options.

We have already gone over the “lay up” option, where you can suspend the collision portion of the policy while you are not driving the bike as often. And, as noted earlier, some people choose to not get as much collision, period, if they are not as worried about getting their motorcycle replaced.

Consider seeing if you can add a motorcycle policy to your existing car or home insurance policy. Like with other types of insurance, you may be able to get a discount on adding this to your existing policy “bundle.”

If, like many others, you wish to or need to get an individual policy, know that you can make use of free online insurance quote tools. The one found here on this page can get you many quotes easily and quickly, providing you with a comfortable way to view your many options.

Start by typing your zip code into the motorcycle insurance quotes box and have a policy today!