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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There are many reasons why a person should buy motorcycle insurance.

From the fact that it is illegal in many states to drive any uninsured vehicle, to the fact that an uninsured driver who causes an accident will be expected and required to foot the entire bill for the accident, it is crucial that anyone who wants to drive have an insurance policy.

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Motorcycle drivers are at a higher risk than automobile drivers be cause bikes offer less protection than cars or truck. Other drivers are more likely to be unaware of a motorcycle driving near them as well. For your physical and legal protection you need this coverage.

Motorcycle Insurance Provides Protection

Most states require that any driver must have a minimum amount of insurance in order to be able to keep his or her vehicle registration. This protects you as well as all the other drivers on the road. In many of these states, if an uninsured driver is pulled over, that driver risks losing his or her driver’s license. At the very least, the driver faces a very steep fine.

And the money problems do not necessarily end there. As terrible as it would be to lose your license, or have to pay a steep fee, it would be even worse to have to take care of all the charges that can add up as the result of an accident. You want insurance so that an injured person or his or her insurance company will sue your insurance company, and not you.

If you do not have insurance, then the other driver as well as his or her insurance company will come after you. Nevermind having to pay to repair your vehicle or your hospital bills—what if the other vehicle were totaled and the people seriously injured? Can you afford to pay for all of that out of your own pocket? A few can, but most of us cannot.

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What Insurance Ultimately Does

This is not meant to frighten anyone, but just to make clear the dangers that are real once someone makes the decision to drive a vehicle that is not insured.

Insurance is meant to act as a shield for us when we are in accidents or if our car is damaged. It is a contract between us and our companies, and it promises that the company will have our backs if we need them, and that we promise to pay our premiums.

While it can definitely be easy to be talked into purchasing policies that are not really what we should be getting, and while it can be possible to occasionally feel as if we do not get our money’s worth, insurance generally makes us feel a bit more comfortable getting on the road.

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How to Get Motorcycle Insurance

Most states already require you to have insurance in order to get your motorcycle registered, so that reason is also up there on the list of “Why You Need Motorcycle Insurance.” This means that you have to take your insurance card with you when you apply for registration. The truth is, however, that motorcycle insurance doesn’t really have to be that big of a drain on your wallet. For the most part, motorcycle insurance is pretty inexpensive, particularly when compared to automobile insurance. There are also many ways to either get discounts or control the cost of your insurance policy.

There are many things to consider when going to get your policy, such as how often you will drive the motorcycle and how you plan to use it. If you are going to use it every day as your primary mode of transportation, then you will want to purchase a more extensive policy that provides a lot more coverage than the policy that someone who will drive his or her motorcycle only occasionally during the months of good weather will want to buy. It is possible to buy very good policies that take care of you and your property, regardless of how you plan on using the vehicle.

Make sure you do your research, though. If you are still thinking about what kind of bike to get, then you will want to do research on what the premiums will be for different policies on different types of motorcycles. Like with car insurance, policies for more expensive bikes will most likely be more than those policies for cheaper bikes.

It is so easy to find good insurance rates online. Using quote tools such as the free motorcycle insurance rate quote tool on this page can quickly provide you with several quotes. Every company will give you a different rate based on your circumstances, your vehicle, and location, and there will be pros and cons to each policy. But you can do your research, shop around, and find the one that fits you best!

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