Skip to main content

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

Let’s start a motorcycle insurance quote

We didn’t get so good at motorcycle insurance by selling just the basics. In fact, one of our carrier partners is the #1 motorcycle insurance company because they always go the extra mile. Just like you, we’re passionate about riding our bikes, so we dig deeper to find you a wide range of coverages. Plus, our carriers offer competitive rates with plenty of ways to save. Start a free quote, buy a motorcycle policy with us, and see why so many riders choose to insure with IronPoint.

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


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

Custom Bikes

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

Dirt Bikes

Dirt Bike Insurance

Lightweight motorcycles with rugged tires and enhanced suspension.

See more bikes
Scooter Insurance

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 Insurance

Touring Bikes

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

Vintage Bikes

“Classic” or collectible motorcycles that are 25 years or older.
motorcycle insurance discounts



Did you bundle your motorcycle insurance with your car, home, RV, or boat? With many of our carriers, you can save big when you bundle insurance policies.

Responsible Rider?

Some carriers will reward you with additional savings if you haven’t had an accident or any violations in the prior three years. Is that you?

Make your payments timely

This may be the easiest way to save. Some carriers will give you a discount if you simply pay your bill on time. Set up electronic payments and you may be able to save even more.


If you own a home, condo, or mobile home, you may qualify for additional savings – even if not insured by the same carrier. That’s great!


Full replacement cost for parts

When you have a covered accident, you want your bike returned to pre-accident condition. With this coverage, you can get just that.

Example: When you have an accident your rear tire is 2-years old with at least 5,000 miles. If depreciated, that tire may be worth only $50, but you need $300 to replace it. With this coverage you can get the new tire, not the depreciated value.

New bike total loss coverage

This is an optional coverage offered by some of our insurance carriers. If available, then when your bike is totaled in a covered accident and is no more than one model year old on a new policy, and two model years old during a renewal when the bike is declared a total loss. Then you may be entitled to the full MSRP for a new motorcycle, minus your deductible of course.

Example: You buy a motorcycle for $15,000 and a year later you have a covered accident where the bike it totaled. The value at the time of total is only $10,000. If you have this coverage the insurance carrier may pay to replace it with the latest model—even if that costs more than your original purchase price. When the coverage expires, after the first renewal, then you get the cash value payout.

Gear & Personal Belongings

Do you carry a lot of gear and personal belongings when you ride? Well, you can add coverage for just about anything you carry on your motorcycle. Coverage that can protect you if damaged or stolen. Even that fancy new phone you just bought!.

Example: Your iPhone, set into a nice RAM Mount, is damaged when your drop your bike in the driveway. Yep, you may have coverage for that, less your deducitlbe of course.

Get specialized motorcycle coverages for the way you ride and your unique bike

There are plenty of ways you can protect your motorcyle and it’s rider when you customize your protection. Here are a few of the many coverages offered by our carrier partners.

motorcycle insurance coverage

How to save on motorcycle insurance

Motorcycle insurance doesn’t have to be expensive. Here are a few ways to start saving.

Compare Quotes

Motorcycle insurance rates can vary alot between insurance companies. Make sure you compare rates. We shop the market for you to get the best rate possible.

Get the right discounts

There are many discounts available, are you getting all you’re entitled too? The good news is many are also easy to qualify for, so ask about all the discounts.

Bundle your policies

When you bundle you save. It’s called the Multi-Policy discount. Bundle multiple insurance policies (like home & car or motorcycle), and you could save … BIG time.

We make managing your motorcycle insurance policy easy

With our mobile app and online customer portal, you can easily manage your motorcycle policy, download documents & ID cards, and compare insurance quotes. The mobile app lets you aggregate all your insurance policies in one easy-to-use technology.

  • All policies in one place

    Our mobile app is a one-stop option for all your insurance policies. It lets you communicate with your agent, share documents, request changes, or even new quotes.

  • Service made easy!
    It’s easy to make payments or use the app’s chatbot to request service. Now you can easily manage policy changes and make sure you make all your payments.
  • Need a new quote?
    The app connects to our online quote, so you can get new auto or home insurance quotes from your phone. It has never been easier to confirm you’re getting the best rates.

Don’t have the app, login online: Customer Self-Service.

Let’s get your motorcycle insurance quote started

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.