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indiana motorcycle insurance

With miles of sweeping highways, stunningly beautiful seasons, and sophisticated metropolitan areas, the Hoosier State is tailor-made for motorcyclists who value variety. One thing all Indiana riders should have in common, however, is reliable motorcycle insurance to keep them and their bikes secure.

Thankfully, not only is Esurance a trusted name in motorcycle insurance, we also have as much passion for life on 2 wheels as you do. Check out everything our Indiana motorcycle insurance has to offer, including 24/7 customer service and savings opportunities as sweet as hickory.

motorcycle insurance discounts in indiana

Basketball is king in Indiana. So naturally we want to help you bank major savings by scoring easy discounts on your Indiana motorcycle insurance. (Relax; we don't penalize traveling.)

Multi-Vehicle discount
What's in a name? Luckily, very little. Motorcycle insurance, despite its title, also covers a ton of other toys, like Segways, snowmobiles, and ATVs. The more vehicles you insure with us, the more you often stand to save.

Homeowners discount
Indiana's significant homeowner population (well above the U.S. average, per the last census) has cause to celebrate. Score savings just for owning a home or condo.

Paid-in-Full discount
By paying your full premium at the start of your policy term, you could score savings.

Association discount
Group motorcycle riding adds excitement to your 2-wheeled excursions — and money to your wallet. You can save up to 5 percent if you belong to approved associations like the Harley Owners Group or the American Motorcycle Association.

Mature Driver discount
Over the last 20 years, the portion of motorcyclists over the age of 50 has jumped from 8 percent to 25 percent. Riders over 55 who have completed an approved accident prevention course by the Department of Public Safety within the last 3 years can score this discount.

Indiana motorcycle theft and the Esurance Recovery Device discount
Tremendous motorcycling locations like Indiana attract bikers from far and wide — and their awesome wheels. As a result, unfortunately, they can also attract thieves.

Indiana ranked as fifth-worst state for motorcycle theft in 2012, according to the National Insurance Crime Bureau. That's what makes the Esurance Recovery Device discount so attractive to riders in your state.

Depending on the type of bike you have and the coverages you select, outfitting your bike with an approved theft-recovery device could score you a discount.

Other discounts in Indiana include the Switch & Save® discount, Multi-Policy discount, Responsible Driver discount, Safety Course discount, Motorcycle Endorsement discount, and the Antilock Brakes discount.

required motorcycle insurance in indiana

Indiana motorcyclists must have liability insurance. If you accidentally cause an accident, this protection helps cover others' injury and property damage bills.

You must carry at least the following limits on your Indiana liability coverage:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per incident
  • $10,000 property damage coverage per incident

Keep in mind, these are simply the minimum requirements. You can always increase your limits for better peace of mind.

optional indiana motorcycle insurance coverages

Indianans can customize their motorcycle policy with coverages like:

Medical payments coverage

No matter who caused an accident, medical payments can help cover the cost of your injury bills — a huge relief if your regular health insurance falls short.

Uninsured/underinsured motorist coverage

Don't get stuck with bills you don't deserve. Uninsured/underinsured motorist bodily injury coverage protects your finances if the person at fault lacks insurance altogether or doesn't have enough to cover your medical costs. You can even get funds to help make up for lost wages if an injury results in time off work.

Additionally, uninsured motorist property damage coverage (available when you add uninsured/underinsured motorist coverage) helps pay to repair your bike if your run-in with an uninsured driver puts it in the shop.

Collision and comprehensive coverage

Collision coverage goes to work repairing your bike after an at-fault accident. Meanwhile, comprehensive coverage helps cover non-collision issues, such as theft or vandalism.

Optional equipment coverage

Get extra protection for the custom equipment that makes your bike so special, such as saddlebags, sidecars, or apparel. When you purchase collision/comprehensive, $3,000 is included automatically, but you can raise your limits if you need more coverage.

Towing and labor coverage

Nothing can totally ease the sting of having your motorcycle break down. But $100 for towing to a qualified repair shop plus certain quick fixes (battery jump, tire change, etc.) isn't a bad start.

Trip interruption coverage

Rest easy by adding trip interruption coverage before your next motorcycle journey. If your bike suffers a mechanical breakdown or is involved in any other covered incident more than 100 miles from home, you get:

  • $100 for lodging
  • $50 for alternate transportation
  • $50 for food

And that's per day until your bike is fixed (up to $500 per incident).

New motorcycle coverage

The thought of wrecking a brand-new bike is a top motorcycling nightmare (just ahead of cruising a speed-bump-only interstate). If the worst does happen, though, we've got you covered. New motorcycle coverage pays the MSRP on a current-year bike of the same make and model if yours is totaled.

Related links

Preventing motorcycle theft
Get important tips on keeping your Indiana chopper safe from thieves.

Illustrated guide to motorcycle hand signals
Learn what all those motorcycle hand signals mean — and see them in action!

Get a motorcycle insurance quote and see how much you can save.

or call 1-866-455-1980