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: Apr 28, 2020

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Liscensure Regulations and Motorcycle Insurance

Many driver’s may wonder, “do I have to have motorcycle insurance?” If you are going to be operating a motorcycle, you need to have insurance in place. The laws about motorcycle insurance coverage also apply to scooters and other types of two-wheeled motorized vehicles.

Since you can legally operate a motorcycle with a learner’s permit, you will need to have motorcycle insurance in place at that point.

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Before you start the process to get your motorcycle license, check with your state Department of Motor Vehicles (DMV) to see what the requirements are. You may be able to apply for an endorsement to your existing driver’s license that will make it legal for you to drive a motorcycle as well.

Motorcycle Learner’s Permit

You will need to contact the DMV to get a copy of the motorcycle handbook to study so that you can prepare for the written test to get your learner’s permit. In some cases, this information is available online and you would be able to download it directly from the DMV web site.

The motorcycle learner’s permit test may be in written form, or you may be asked to answer questions in a computerized version. You may also be required to complete a road sign test and/or a vision test. Once the learner’s permit has been issued, it will be valid for between 6-18 months, depending on the state where it was issued.

The learner’s permit may have certain restrictions associated with it, too. For example, you may only be allowed to operate the motorcycle during daylight hours. You may not be permitted to carry a passenger on the back of the bike until you have obtained your full license in some parts of the country.

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Getting Your Motorcycle License

need Motorcycle Insurance

Depending on the jurisdiction involved, you may be required to successfully complete a motorcycle operator’s course before you can get your license. Even if your state does not require all motorcycle drivers to do so, it’s a good idea to complete an official course, even if you are already familiar with how to operate one from practicing on your own.

The DMV should be able to provide you with a list of approved courses in your area. When you enroll in the program, be sure to ask if bikes are provided or if you will need to bring your own. Classes for new riders will likely provide a standard model so that all students will be learning on the same type of bike.

Newbies will probably want to sign up for a beginner course, and this will likely be held over several sessions. More experienced drivers can still find a course that will meet their needs; a one-day session may be enough to ensure that they are on the right track. Once you have completed the motorcycle course and you have taken some time to practice riding your bike on your own, it’s time to take your motorcycle road test.

Getting Motorcycle Insurance

So does someone with a motorcycle permit need insurance? When you are ready to buy insurance for a motorcycle, the best way to avoid paying more than you have to is to shop around for coverage. Pricing can vary greatly between insurance providers, and taking the time to ask for multiple quotes can mean a substantial savings. The level of bodily injury liability coverage and other protection will affect how much you will pay for your coverage.

motorcycle insurance with a permit

Use these strategies to save money on the cost of motorcycle insurance:

  • Get a multi-policy discount from your auto insurer
  • Take a defensive driving course
  • Maintain a clean driving record
  • Install safety features on your bike
  • Purchase a type of bike that costs less to insure

If you are going to be operating a motorcycle after getting your learner’s permit, you will need to have insurance in place on the bike. Contacting an insurer to get quotes for coverage when you decide to learn how to ride means you can get a policy in place right away.

Compare motorcycle insurance quotes with just your ZIP code now!