Motorcycle insurance: Finding the best coverage for your ride

As a motorcyclist gearing up for the open road, ensuring comprehensive protection for both yourself and your bike is paramount. However, navigating the realm of motorcycle insurance can be daunting, leaving riders uncertain about their available options. Factors such as required protection levels and associated costs necessitate careful consideration during the policy selection process.. Don’t worry — we’re here to explain all there is to know about motorcycle insurance so you have everything needed for your own personalized plan!

Why is it so important to choose the right motorcycle insurance?

Undoubtedly, operating a two-wheeled vehicle entails a higher degree of risk compared to driving other vehicle types, such as automobiles.

Given this heightened risk factor, selecting the most appropriate motorcycle insurance policy tailored to your needs is imperative to ensure comprehensive protection during your daily travels.

While motorcycle insurance quotes often take precedence during the selection process, it’s essential to assess additional factors that may seem trivial but can prove decisive when the need arises.

In the following discussion, we’ll delve into key considerations to ponder before opting for a specific motorcycle insurance policy. Let’s begin!


Overview of Different Types of Motorcycle Insurance Coverage

Prior to finalizing your policy selection, it’s crucial to gain a comprehensive understanding of the various coverage options at your disposal. Below, we provide a concise overview of common motorcycle insurance coverage options:

Liability Insurance

Liability insurance covers the expenses incurred from damages for which you are legally liable in an accident, encompassing property damage and bodily injury. It stands as the most prevalent form of motorcycle insurance and is mandatory in the majority of states. Thus, it’s imperative to ensure that your policy provides coverage meeting the minimum requirements.


Comprehensive coverage extends beyond typical collisions or involvement with other drivers. It compensates for damages to your motorcycle resulting from incidents such as theft, vandalism, and weather-related accidents. Therefore, whether your motorcycle is stolen or sustains damage from a storm-related event like a fallen tree branch, comprehensive coverage ensures you are financially protected, allowing for reimbursement or replacement of your motorcycle.


Collision coverage provides compensation for damage to your motorcycle resulting from a collision with another vehicle or object. It is crucial for ensuring comprehensive protection for your motorcycle in the event of an accident. While comprehensive and collision coverage are typically optional, they become essential if you have a loan on your bike, often being a requirement imposed by lenders.


Uninsured or Underinsured Motorist Coverage

Including uninsured/underinsured motorist coverage in your policy is prudent, as it provides financial protection in the event you are involved in an accident with a driver who lacks sufficient insurance coverage. Given the uncertainty of the driving environment and the potential risks posed by uninsured or underinsured motorists, having this coverage ensures that you are adequately protected from unforeseen circumstances right from the outset.

Medical Payments, No-Fault or Personal Injury Protection Coverage

In states that follow a no-fault insurance system, additional motorcycle coverage may be necessary to cover your losses. Unlike the traditional fault-based system, where responsibility for losses is determined, in a no-fault state, each driver or rider involved in an accident is responsible for their own losses.

Personal injury protection coverage is designed to mitigate the financial impact of injuries sustained in accidents. It provides funds to cover various medical expenses, including but not limited to:

– Doctor’s visits
– Medications
– Surgeries
– Mobility equipment
– Lost wages resulting from recovery time
– Physical therapies
– Any other past and future medical costs related to the accident

Passenger Coverage

Passenger coverage is a unique feature not typically found in standard auto insurance policies, given that passengers are less common on motorcycles than in cars. However, if you do transport passengers on your motorcycle, this coverage ensures that their medical expenses are covered in the event of an accident. It’s a valuable option to consider if you frequently ride with friends or family members.

How to choose the best motorcycle insurance?

In the upcoming sections, we provide essential factors to consider when selecting the motorcycle insurance policy that best suits your needs.


 1. How do you usually use your motorcycle?

As a motorcyclist, your riding habits significantly influence the type of insurance coverage you require. It’s essential to assess your usage patterns to determine the appropriate level of coverage. Consider the following factors:

– Frequency of motorcycle usage.
– Types of journeys typically undertaken.
– Total distance traveled.
– Whether you ride solo or with passengers.

Adhering to a straightforward principle, higher usage increases exposure to risks, necessitating more comprehensive insurance coverage to mitigate potential liabilities.

2. What does your motorcycle look like?

Similar to car insurance, the cost and extent of motorcycle insurance coverage are contingent upon various factors related to the vehicle:

– Engine displacement.
– Type of fairing.
– Installed accessories.
– Whether it’s considered a classic motorcycle.
– If it belongs to a premium range.

Applying the same principle, the more valuable and recent the motorcycle, the higher the recommended coverage. When obtaining insurance quotes for motorcycles, it’s crucial to evaluate the investment made in the vehicle and its current market value. Subsequently, you can select a policy that aligns with your coverage requirements, keeping in mind that coverage typically does not exceed the motorcycle’s appraised value.

3. Where are you going to park your motorcycle?

An important consideration in selecting motorcycle insurance is the parking location of your vehicle, both at home and during regular commutes, such as when commuting to work.

Parking your motorcycle predominantly in a garage reduces the risk significantly. For instance, it minimizes exposure to potential damage from vandalism or adverse weather conditions. Both you and the insurer factor in this reduced risk level when determining the insurance premium.

4. How do you want to pay for your motorcycle insurance?

The optimal motorcycle insurance policy provides comprehensive coverage at a competitive rate. Regarding financial considerations, payment methods are paramount.

While insurers often offer installment payment options, they may come with associated costs. Therefore, it’s advisable to inquire about potential discounts for single-payment premiums and ascertain whether costs escalate for monthly, quarterly, or other installment plans.

Typically, a single lump-sum payment results in a lower overall insurance cost.


5. What coverages are basic when taking out motorcycle insurance?

Opting for a comprehensive motorcycle insurance policy with various coverage options is typically the most prudent choice. Essential components to seek in such a policy include:

1. Adequate coverage for the rider’s medical expenses.
2. Provision of roadside assistance from the outset of the journey.
3. Robust legal defense support, encompassing appeals processing through administrative and judicial channels irrespective of fines incurred.
4. Assurance of financial compensation in the event of theft or damage.

Moreover, it’s advisable to assess customer ratings and reviews to validate the insurer’s service quality and reliability. Ultimately, customer feedback can significantly influence decision-making in favor of or against a particular policy.

How to Find an Affordable Policy?

Once you’ve identified your coverage requirements, it’s prudent to seek out an insurance policy that aligns with your financial parameters. Here are several strategies to optimize savings on your motorcycle insurance:

1. Conduct thorough research by comparing quotes from various insurers to secure the most competitive rate.
2. Inquire about potential discounts, such as those for completing safety courses or bundling multiple policies.
3. Consider opting for a higher deductible, which can effectively reduce your premium costs.
4. Explore opportunities for no-claims bonuses or participation in loyalty programs that may yield enduring savings.
5. Evaluate the viability of selecting liability insurance exclusively if it adequately addresses your budgetary constraints and coverage prerequisites.

By implementing these recommendations, you can procure a motorcycle insurance policy that not only accommodates your financial considerations but also furnishes the necessary protection.


Acceptance Insurance Has You Covered

When considering motorcycle insurance, regardless of your coverage requirements, our expert agents are dedicated to assisting you in selecting the optimal policy for your bike. At Acceptance Insurance, we provide comprehensive coverage options, including those outlined above, and additional features to ensure your safety and protection while on the road.. Request a free, no-hassle online quote today to get your motorcycle protected and start saving money on your policy.

Common Questions About Motorcycle Insurance


Does My Motorcycle Have to be Registered Before I Can Get Insurance?

Certainly, in the majority of states, registering your motorcycle is a prerequisite before acquiring insurance coverage. It’s imperative to familiarize yourself with the laws and regulations governing vehicle registration and insurance procurement in your specific state.

Do I Need to Carry Insurance on My Motorcycle if I Don’t Drive it Very Often?

Indeed, maintaining coverage on your motorcycle is paramount. Regardless of how frequently you ride—be it occasional or seasonal—having insurance safeguards both you and your motorcycle in the event of an accident.

Do I Need to Get Additional Coverage if I Take My Motorcycle Out of State?

Typically, insurance policies are structured to provide coverage regardless of your location while riding. Nevertheless, it’s advisable to confirm with your insurer whether your policy extends coverage beyond your home state. This ensures comprehensive protection for both you and your motorcycle, regardless of your travel destination.



When you gaze upon your motorcycle, it’s the epitome of freedom, not apprehension. The ideal motorcycle insurance embodies the essence of wind in your face and the allure of the open road.

As one of Orlando’s premier independent insurance agencies for nearly four decades, Harry Levine Insurance possesses the expertise, resources, and insight to navigate you towards a motorcycle insurance policy that prioritizes protection where it’s most crucial and valued.

Our affable and knowledgeable agents are eager to engage with you, comprehensively understanding your requirements to tailor coverage that aligns with both your needs and financial considerations.


The content in these articles is intended for general informational or recreational purposes only. Acceptance Insurance does not endorse or have any affiliation with the companies or applications mentioned in this article. Acceptance Insurance bears no responsibility or liability for the accessibility of links to websites or resources, or for any content, advertisements, products, services, or other materials on or available through these websites or resources. References to third-party rates or products are subject to change without notice. Trademarks mentioned are the property of their respective owners. Pricing may vary based on the method of purchase. Information and descriptions of coverage are general in nature. Actual coverage is contingent upon the specifics of the policy. Policies are underwritten by third-party insurers not affiliated with Acceptance and solely accountable for claims. Supplementary coverage options or products may be appended to an insurance policy for an additional fee where applicable. Consult your agent for further details. Products and features are subject to underwriting criteria. Not all products, discounts, or payment plans are accessible in every state or distribution channel. All products outlined herein are subject to terms and conditions. CA License #0K20173.

Amy Danise

Amy Danise is the managing editor for and Forbes Advisor's insurance section, covering auto, home, renters, life, pet, travel, health, and small business insurance. With over 30 years in the insurance sector, she specializes in simplifying complex insurance topics into actionable information. Amy collaborates with her team to translate insurance jargon into clear language for consumers, helping them understand insurance costs and find top-rated companies. Leveraging her extensive industry contacts, she develops Forbes Advisor's insurance content and analyzes state regulatory filings for insights. Amy's expertise has earned her features in major news outlets like The New York Times and The Wall Street Journal. She holds a Bachelor's degree in American Studies from Wesleyan University.

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