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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If you are thinking about purchasing motorcycle insurance, you may be asking yourself, what motorcycle insurance policy options should I choose? The answer varies from individual to individual and is based on state requirements and financial assets.

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This means that, first of all, you must choose the policy options that cover what is required in your state. Secondly, you want to choose the policy options that protect your financial portfolio. The following article will provide additional information on the three most popular motorcycle insurance policy options.

Motorcycle Insurance Option Number One: Collision Coverage

The first option you can choose to go with is collision coverage. Collision covers the cost of the damage you cause when you collide with another object. The object you collide with could be another motorcycle, a car, a fence, a mailbox, or even the road.

If you hit it, you are covered. This is the most basic coverage that you can get and the cheapest, but it doesn’t always mean that it is all you need. Sometimes only covering the bare minimum can end in financial trouble.

The first thing you should do when purchasing motorcycle insurance is look at the state insurance requirements. Any insurance company or online resource can help you with this. Or you can contact your local DMV office for information. After you know the requirements, you can decide is having only collision coverage is enough.

Remember, collision coverage will not cover personal injuries or other damage to your motorcycle. These types of damages will have to be paid out of pocket if you don’t have the second type of coverage, comprehensive.

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Motorcycle Insurance Option Number Two: Comprehensive Coverage

Comprehensive coverage offers everything that collision coverage offers plus more. First of all, comprehensive coverage offers protection for events caused by other people.

  • Vandalism- If your bike is vandalized in any way including body damage, engine damage, and tire slashing, your insurance will cover the expenses to repair or replace your bike.
  • Theft- With comprehensive coverage if your motorcycle is stolen it can be replaced. This means that the insurance company will give you fair market value (the amount you could have sold you motorcycle for on the day it was stolen) for your motorcycle.
  • Natural disasters or acts of God- For example, earth quake and storm damage. If your bike is damaged or destroyed in a fire that was accidental, intentional, or the result of a natural disaster, the cost will be covered as well. This coverage also includes damage that may have resulted from falling objects such as a tree limb or a piece of a roof. The falling object could be accidental or as a result of a natural disaster as well.
  • Storm and water damage- Whether your bike is kept outside, in the garage, or in a shed, storm and water damage is covered under a comprehensive plan.
  • Animal damage- This includes a collision with an animal or damage done by an animal when your bike is parked.

It is important to note that if you have a loan on your motorcycle, the loaning institution may require you to have comprehensive insurance until the loan is paid in full.

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Motorcycle Insurance Option Three: Additional Coverage

Another option for motorcycle insurance coverage is to choose collision or comprehensive coverage and then get additional coverage options to customize your insurance policy to meet your individual needs. For example, you can add roadside assistance to any policy.

Roadside assistance will provide help if your motorcycle breaks down, if you run out of gas, or another roadside issue occurs. You can also add equipment protection coverage. This will provide replacement cost for things associated with your bike such as your helmet, gloves, leather gear, or saddle bag.

Choosing one of these options is easy, once you know what company you want to work with. With so many choices available, you may need help narrowing down the options. The free online comparison tool is a great way to do this.

Using an online comparison tool allows you to see what several insurance companies have to offer before you choose the companies that interest you the most. Online comparison tools save time and save money and give you access to rates and quotes from several companies all in one convenient place.

Enter your zip code to receive several free motorcycle insurance quotes today!