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Motorcycle Insurance Coverage

Learn about motorcycle insurance coverage and when you’re ready, you can start a quote.

The right protection for your motorycle

The motorcycle insurance coverage offered by our carrier partners offers a wide range of protection. This will give you peace of mind and protect your bike. With most of our partners, many of these coverage types are automatically included, and other are optional.

Compare motorcycle insurance coverage options below and see why so many riders choose IronPoint. Then get a quote with coverages and limits customized to your needs.

Coverages that are automatically included

If you purchase your motorcycle insurance coverage through our partner, Progressive Insurance, these coveages are automatically included:

Full replacement cost and no depreciation for parts

Accessories and custom parts/equipment

OEM Parts

Standard motorcycle coverage

These are the basic protections you receive when you purchase motorcycle insurance:

Bodily injury and property damage liability

Uninsured/underinsured motorist

Comprehensive and collision

Medical Payments

Optional coverages

These are the bells and whistles you can add to your motorcycle insurance coverages. Many of these are very popular with our policyholders:

Total loss coverage for a new motorcycle

Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If your bike is totaled, we’ll give you the full manufacturer’s suggested retail price for a brand new bike, minus the deductible on your policy.

Let’s say that you bought a motorcycle for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs over $15,000, we’ll give you that amount. If your motorcycle is no longer eligible for total loss coverage at renewal, your policy will still cover the actual cash value of your bike.

Roadside assistance and trip interruption

Carried contents

Disappearing deductible

Enhanced injury protection

If you’re injured and can’t work, we’ll pay you up to $250 every week for two straight years. We’ll also add death benefits to this, so if you’re in a fatal accident, we’ll pay your beneficiaries $25,000.

The term “full coverage” means something different to everyone, but often refers to carrying basic liability as well as physical damage coverage (comprehensive and collision). The amount of coverage that’s right for you will depend on many factors, including the value of your bike and whether it is being financed. If you’re unsure about what you need, call us and speak with a licensed representative about recommended motorcycle insurance coverages.

Let’s get started

We’ll compare motorcycle insurance quotes for you. It’s Fast, Free, and Secure.

Call 1-877-334-7646 to speak with an insurance agent.