What does motorcycle insurance cover?
Every state has their own rules for how much coverage you'll need. But generally, riders are required to have bodily injury and property damage coverage. Those sound pretty important … because they are!
If you're ever at-fault in an accident, bodily injury and property damage will mean you might not have to foot the bill (depending on your deductible and limits) for the other driver's medical bills or car repairs — or other stuff that gets damaged, like their fence.
Other coverages, like comprehensive and collision (which are optional) could help repair YOUR bike if it's damaged in an accident … or even if it's hit by a wayward tree branch or a nasty hail storm.
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Got questions about motorcycle insurance?
Look no further.
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.
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.
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.
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.