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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2022

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You can buy custom built motorcycle insurance from almost any major auto insurance and motorcycle insurance provider. Motorcycle insurance can be purchased through an agent via brick and mortar locations, or online.

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While custom built motorcycle insurance can be expensive, there are ways to keep your costs down by shopping around for the best deal. When insuring a custom built motorcycle you need to have adequate coverage for liability, collision, comprehensive, and accessories.

Motorcycle insurance is just as important as any other motor vehicle insurance. You need to buy liability insurance as per the state’s requirements, and you also need financial protection for your motorcycle. It is also a good idea to consider buying medical to add to your motorcycle insurance policy.

Whomever you buy custom built motorcycle insurance from should be able to provide you with all of your insurance needs. If you are unable to get a certain component, such as accessories coverage, then seek insurance elsewhere so that you can save money by having all of your motorcycle insurance needs under one policy.

What’s an adequate coverage amount for custom built motorcycle insurance?

There are a range of coverages under the umbrella of motorcycle insurance that you need to consider before buying your policy:

  • Liability coverage- The first part concerns bodily injury liability and property damage liability, which is required by law in every state. While each state sets a minimum amount required, it is always a good idea to consider buying more coverage to protect your financial assets if you are ever in an at-fault accident and cause injury or damage to another party.
  • Uninsured/underinsured motorist coverage- Not everybody buys more liability insurance than the state requires, so you may want to add underinsured motorist insurance coverage to your policy to help cover the gap in insurance. Also, since some people break the law outright and do not carry any insurance, uninsured motorist coverage can also be added to your policy.
  • Comprehensive and collision insurance- In order to provide financial protection for damages to your own motorcycle, you need to carry collision and comprehensive insurance. Collision coverage pays for damages resulting from an accident, while comprehensive coverage pays for other types of damages, bike theft, and other non-collision scenarios.
  • Medical payments- Since riding a motorcycle is considered great risk, it is also worthwhile to consider getting medical coverage. If you have health insurance then you may not need additional medical protection, but should you become injured in an accident you may require hospitalization so having insurance to help pay for your medical bills could be very beneficial. Personal injury protection is also commonly added to cover medical expenses.
  • Accessories- Your custom parts and equipment as well as your accessories are also an expensive part of your custom built motorcycle. Most insurance providers who offer motorcycle insurance also offer accessories coverage so that your chrome pieces, your sidecars, your CB radio, and even your helmet are covered for various incidents.

Most states require liability insurance to drive legally on the road so drivers need to make sure to meet all the state’s requirements. Standard collision coverage and comprehensive coverage on custom motorcycles won’t usually cover custom parts, accessories, or features that you’ve added.

Custom bikes and choppers that have been modified from their original design need to have insurance like any other bike. These policies typically include standard coverage as well as a wide range of valuable optional coverages to protect you.

Mechanical breakdown coverage is one of many additional coverage options you might want to consider. This coverage pays for repairs to things like your power system, exhaust, and brakes. It does not cover damage from normal wear and tear.

Keep in mind that these additional insurance options will raise your motorcycle insurance rate.

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How to reduce the costs of custom built motorcycle insurance

Once you add all of the different types of coverage to your custom built motorcycle insurance policy you may feel overwhelmed at the cost of your insurance. However, there are ways to reduce your motorcycle insurance premium without sacrificing benefits.

  • The first way to save money on your motorcycle insurance is to take advantage of multi-policy discounts (also called bundle discounts). Some motorcycle insurance companies also sell life insurance, homeowners insurance, and other types of coverage, and reward you for buying all of your policies with them.
  • You may also be able to save money on your motorcycle insurance by storing it in a secured garage or shed.
  • If you don’t plan on using your custom built motorcycle during certain times of the year, such as winter, you may be able to suspend coverage on liability and collision to reduce your costs. When you buy Lay Up Insurance, you typically continue to pay for comprehensive insurance in case some type of non-collision damage, such as fire or a collapsed roof, occurs to your motorcycle while it is in storage.

How to buy custom built motorcycle insurance

Before you buy custom built motorcycle insurance you need to do some shopping to get the best coverage for the best price. While you can buy motorcycle insurance from a brick and mortar insurance agent, the most convenient way to shop for insurance is online. You can compare different companies and get quotes for free all from the comfort of your home.

Review the financial rating of different insurance companies to make sure they are financially sound to pay claims. Read customer reviews to see how your peers feel about the insurance company’s claims handling process, customer service, and any other comments both positive and negative. With information about how each insurance company is viewed, compare rates to see who can provide you with the best overall value.

Most insurance companies will only give quotes for a custom motorcycle policy via a phone call because it can be difficult to determine a value online. Although a phone call may seem like a hassle, it might be a better idea to negotiate the value of your bike and find out how much coverage is enough.

Enter your zip code to find the most competitive rates for your custom built motorcycle insurance today!