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Motorcycle Insurance

Let’s get started by comparing motorcycle insurance rates from leading insurance companies.

Rather speak with an insurance agent? Call us: (877) 334-7646

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What is Motorcycle Insurance?

Motorcycle insurance is your financial safety net when life throws gravel in your path. Like auto insurance, it protects you from the costs of accidents, injuries, and unexpected mishaps—but it’s built specifically for two wheels, not four.

At its core, motorcycle insurance covers you, your bike, and the people around you. Whether you’re riding a cruiser along the coast, leaning into turns on a sport bike, or logging serious miles on a fully loaded touring bike, this coverage keeps your freedom from becoming a financial liability.

If it’s legal, it’s probably insurable

If you think it’s cool to ride, we’ll likely think it’s cool to insure. But if you’re not sure, here are some of the common bikes we insure:
ATV Insurance

ATV’s & UTV’s

Off-roading vehicles usually have four wheels, but they can have up to eight.

Cruiser Insurance

Cruisers

The most common type of motorcycle we insured. Normally these bikes have a V-twin, full-view engine.
custom bike

Custom Bikes

Motorcycles are custom-built by a manufacturer, shop, or owner.

Dirt Bike

Dirt Bikes

Dirt Bike Insurance

Lightweight motorcycles with rugged tires and enhanced suspension.

See more bikes
Scooter

Scooters & Mopeds

Small, lightweight vehicles powered by pedals or a small low-horsepower motor.
Sport Motorcycle Insurance

Sport Bikes

High-performance motorcycles built for speed and handling. This includes “Naked” bikes.
Touring Motorcycle

Touring Bikes

These motorcycles are built for comfort and long-distance riding.
Vintage Motorcycle

Vintage Bikes

“Classic” or collectible motorcycles that are 25 years or older.
Motorcycle Insurance Coverage

What Does Motorcycle Insurance Cover?

Your motorcycle insurance coverage does more than protect your bike—it protects you and your ride.

Core Coverages
At its heart, you’ll find the same protections as a standard auto policy:

Upgrade your coverage to match your bike and how you ride:

  • Roadside Assistance – For flats, battery issues, or a quick tow.
  • Trip Interruption – Covers meals and lodging if you’re stranded far from home.
  • Accessory Coverage – Protects custom parts, chrome, paint, saddlebags, and helmets.
  • OEM Parts – Guarantees repairs with original parts, not aftermarket.
  • Carried Contents – Insures personal items stored or strapped to the bike.
  • Gap Coverage – Covers the loan balance if your bike is totaled and you owe more than it’s worth.

Tip: If your bike turns heads—or takes you far—these extras can be well worth it.

Selecting the Right Liability Limits

State minimums keep you legal—but they may not protect you financially. One serious accident can leave you paying out of pocket for medical bills, repairs, or lawsuits.

Minimum / Better / Best

  • Minimum: 15/30/5 – Bare minimum, meets legal requirements.
  • Better: 50/100/50 – Solid mid-level protection.
  • Best: 100/300/100 – Strong coverage for your assets and future income.

Numbers = Injury per person / Injury per accident / Property damage (in thousands).

Own a Home or Savings?

Consider an umbrella policy for added protection—extra coverage that kicks in when your policy maxes out.

How Much Does Motorcycle Insurance Cost?

The truth? Most riders pay less for motorcycle insurance than they do for car insurance. But not all bikes—or bikers—are the same.

Your rate depends on five key things:

  1. The bike – Sport bikes cost more to insure than cruisers or touring models.
  2. The rider – Age, experience, and driving record all play a part.
  3. How you ride – Weekend cruiser or daily commuter? Mileage matters.
  4. Where you live – Urban areas and theft-prone neighborhoods drive rates up.
  5. Where it sleeps – Garaged bikes often cost less to insure.

Most policies fall between $100 and $500 a year, but premium bikes, low deductibles, and added coverage can raise the cost.

Want to pay less?
Bundle your motorcycle policy with your auto or home. Take a certified safety course. Keep your record clean. It’s simple math—the fewer the risks, the lower the rate.

Motorcycle Insurance Discounts

Motorcycle Insurance Discounts

Motorcycle insurance is already affordable—but why not save a little more?

Most carriers offer a range of motorcycle insurance discounts that reward smart riding, clean records, and bundling. These savings can add up fast, especially if you ride multiple bikes or already have other policies.

You may qualify for discounts like:

  • Multi-Policy – Bundle your motorcycle with home or auto insurance.
  • Multi-Bike – Insure two or more bikes under one policy.
  • Safe Driver – No recent accidents or violations on your record.
  • Safety Course Completion – Earn a discount for passing an approved motorcycle safety course.
  • Rider Group Memberships – Members of certain associations (like the Harley Owners Group) often qualify for exclusive savings.

Not every insurer offers the same discounts, so it pays to compare. When you request a quote, we’ll help you find every discount you’re eligible for.

Ways to Buy Motorcycle Insurance

Buying motorcycle insurance shouldn’t be a hassle—and it isn’t.

You have options:

  • Get a quote online – Request a quote online, it’s fast, simple, and ready when you are.
  • Call an agent – Prefer to talk it through? Contact us, we’re happy to help.
  • Work with an insurance agency – Like IronPoint, where we do more than just quote a price.

As an independent insurance agency, we’re not tied to one insurer. That means we shop multiple carriers, compare coverage, and help you make a smarter decision—without upsells or guesswork.

The result?
More choice. Better advice. And a policy that fits the way you ride.

What Do I Need to Get a Motorcycle Quote?

Getting a motorcycle insurance quote isn’t complicated. But having the right info ready will save you time—and get you a more accurate rate.

Here’s what you’ll need:

  • Bike details – Year, make, model, and VIN if available.
  • Rider info – Your license number, age, and riding experience.
  • How you ride – Estimated annual mileage and whether it’s for pleasure or commuting.
  • Where it’s kept – Address where the bike is stored—especially if it’s garaged.
  • Coverage preferences – Know what limits or extras you’re looking for? That helps.

No need to overthink it. If you can tell us about your bike and how you ride, we’ll take care of the rest.

Start a Motorcycle Insurance Quote

A motorcycle quote can be fast and easy. The saving and protection last, and it’s comforting.

Or call (877) 334-7646 and let us do all the work.

Got questions about motorcycle insurance?
Look no further.

Why do I need motorcycle insurance?

Well, it’s the law almost everywhere. In fact, 47 out of 50 states require riders to have motorcycle insurance. Plus, to register your bike, you will need to show proof of insurance.

As for insurance coverages, requirements differ across states. Most states require AT LEAST bodily injury and property damage coverage. Find out more about state-specific motorcycle insurance requirements.

How much will motorcycle insurance cost?

Motorcycle rates vary depending on which coverages you choose and many other factors. The make, model, and year of your bike could also determine how much you pay.

At Esurance, we believe insurance should be affordable. For everyone. That’s why we offer a wide range of discounts and competitive rates.

What does motorcycle insurance cover?

Motorcycle coverage from Esurance protects most bikes, including street bikes, cruisers, touring bikes, standard motorcycles, scooters, touring motorcycles, dirt bikes, trikes, classics, and other 2-wheeled rides.

Motorcycle policies come in all shapes and sizes, too. So whether you’ve got a Harley-Davidson or a Vespa, Esurance can help you find the right policy. Most riders are required to have at least bodily injury and property damage coverage. You can, however, choose to round out your policy for better protection.

What makes motorcycles so easy to steal?

Compared to cars, motorcycles don’t have anti-theft technology which gives thieves easier access to cracking their locks. Many models also have remote-starting devices (now banned in some states, including California) that let bike-jackers turn on the ignition without even bothering with a lock.

Thieves also tend to be attracted to motorcycles because they offer both a thrill factor and profit from the sale of whole bikes or stripped parts. Many motorcyclists also add aftermarket enhancements to their rides, making them that much more valuable to thieves.

Comprehensive coverage can help pay to replace your motorcycle if it’s stolen and help keep theft from wreaking havoc on your wallet.