Most states require you to carry at least the minimum limits of financial responsibility on your motorcycle. The minimum required motorcycle insurance is usually the same minimum that is required for a car.

There are many coverages available to protect you and your motorcycle:

Liability coverage

Many state laws require liability coverage, also known as "bodily injury/property damage." It can help cover expenses from damaging a vehicle or injuring a person in an accident. Our bodily injury liability automatically includes coverage for guest passengers.

Collision coverage

Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. This coverage includes safety apparel up to $2,000. Collision coverage issued by the one of the state's motorcycle insurance companies may be required if your vehicle is financed or leased.

Comprehensive coverage

Comprehensive coverage helps pay for damage to your vehicle not caused by a collision. This can include damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other natural disasters.

Uninsured or underinsured motorcycle coverage

This insurance helps cover damages in an accident caused by an underinsured, uninsured or unidentified motorist. It may also pay medical costs, lost wages and other damages if the accident results in injury. Coverage varies from state to state and is required in some states.

 Roadside Assistance

If selected, our emergency Roadside Assistance program provides help with a flat tire, a jump or a tow. You also have the option of increasing your protection to include any trip interruption expenses you incur when you are more than 100 miles away from home.

Medical payments insurance

Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.

Towing and labor

This coverage can reimburse you for a tow and for the labor costs to get your motorcycle up and running again.

OEM endorsement

As a dedicated motorcycle insurance company, we also offer an option to make sure your motorcycle is repaired using original equipment manufacturer parts instead of after-market ones if you have a covered accident.

Custom equipment 

This covers aftermarket parts and equipment not originally installed on the vehicle by the manufacturer.

We can help you understand the coverages available to best suit your needs.