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pennsylvania motorcycle insurance

Pennsylvania has some one-of-a-kind motorcycle roads, from the zigzag of Route 3001 to the sloping curves of PA-191. And with motorcycle insurance in Pennsylvania from Esurance, there's one less thing to think about when you're focused on the road ahead.

With flexible payment options and innovative online tools that make the insurance process simple, we're confident all Keystone State riders can benefit from joining the Esurance family. Get your free motorcycle insurance quote in minutes and see how much you could save on your policy.

Pennsylvania motorcycle insurance discounts from Esurance

Got your eye on that new Kawasaki model but not sure if you can justify dropping the cash? These motorcycle insurance discounts take the edge off that price tag by scoring you major savings.

Multi-Policy discount
Automatically qualify for this discount when you insure your motorcycle and your car with Esurance.

Switch & Save® discount
We couldn't make this one any easier to earn. Switch your motorcycle coverage from another company to Esurance and save big.

Responsible Driver discount
Remember all those times you didn't do a wheelie and sort of regretted it? Regret no more. When you ride claim- and violation-free for at least 3 years and have at least 2 years riding experience, you can nab this significant money-saver.

Paid-in-Full discount
It's pretty nice not having to worry about paying your motorcycle insurance bill every month. It's also pretty nice to qualify for this discount when you pay your entire premium at once.

Homeowners discount
Own the roof over your head? We hand out discounts for that kind of stuff! Qualify for this discount on your motorcycle insurance simply for owning your home.

Anti-Theft discount
By equipping your bike with an approved theft deterrent, you can save money on your motorcycle insurance, depending on what your ride's outfitted with and where you live.

Association discount
You can score a discount just by hanging with fellow bikers. Save 5 percent on your insurance as a member of an approved group like Honda Riders Club of America or Harley Owners Group.

Motorcycle Endorsement discount
Save up to 10 percent just for having a motorcycle license or endorsement (an extension of your auto license that clears you to ride motorcycles) — another way we reward you for knowing your stuff.

Recovery Device discount
Show those thieves who's boss when you install a recovery device on your bike. Depending on your ride and the coverage on your policy, it'll get you a sweet discount, too. You can see if you qualify when you get a free quote.

Antilock Brakes discount
Yep, we even give you a discount for having this very common feature on your motorcycle as long as it has a model year of 1988 or newer (and is not an off-road vehicle).

Safety Course discount
Safety first, as our mothers always told us. That's why you'll qualify for this discount if you've taken an approved motorcycle safety course within the past 36 months.

Our Multi-Vehicle discount

A lot of people don't know that motorcycle insurance covers a lot more than just motorcycles. Not only can you insure multiple toys under the same Esurance policy, but you can score a discount for doing just that!

Here are some of the other fun motorized things you can insure on the same Pennsylvania motorcycle insurance policy:

  • Limited production cruisers
  • Enduros/dual-sport bikes
  • Dirt and off-road bikes
  • Scooters and mopeds
  • Sport touring bikes
  • ATVs and UTVs
  • Touring bikes
  • Sport bikes
  • Golf carts
  • Segways
  • Cruisers
  • Trikes

Flexible policy management

We like to keep it simple while still giving you the options that work best for you and your wallet. All Pennsylvania motorcycle policies from Esurance have a one-year term, and premiums can be paid off in a few ways:

  • Monthly payments
  • 2 installments
  • 4 installments
  • Pay it in full (and score a discount while you're at it!)

Required motorcycle coverages in Pennsylvania

You're legally required to carry motorcycle liability insurance, which financially protects you if you're found at fault in an accident that results in injuries or property damage to others. The Keystone State requires the following minimum limits:

  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident
  • $5,000 of property damage liability per incident

You can choose higher limits or additional coverages for added financial protection and peace of mind. Give us a ring at 1-866-455-1980 if you have state-specific insurance questions or need some guidance in tailoring your policy coverages.

Optional motorcycle insurance coverages

Customizing your motorcycle insurance policy is kind of like customizing your motorcycle — it's pretty awesome as it is, but you can always make it even more awesome. These optional coverages offer additional protection for whatever the open road throws your way.

Uninsured and underinsured motorist coverage

About 7 percent of Pennsylvania motorists drive without insurance. That's below the national average, but still high enough to seriously consider getting covered in the event of an accident with an uninsured or underinsured driver.

If someone without insurance (or high enough coverage limits) hits you and causes you and your passengers any injuries or your ride any damage, uninsured motorist coverage steps in to make sure you're not paying medical and repair bills out of pocket.

Trip interruption coverage

Did your vintage Harley come to a sputtering halt in the middle of nowhere? If you get into an accident or you have a mechanical breakdown on a long road trip, we'll help pay:

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

That's per day until your bike is rideable again (up to $500 per incident).

Medical payments coverage

It's always nice to have a little cushion if you take a tumble on your Titan. Medical payments coverage will help pay for accident-related medical expenses for you and your passengers, regardless of fault in the accident.

Towing and labor

Get a flat flying down the freeway? We'll pay up to $100 if you need a tow to the closest repair facility, and we can even help pay for mishaps like:

  • A broken down bike (within 100 feet of a roadway)
  • Low fluid, including fuel
  • A dead battery
  • Lost keys
  • A flat tire

Comprehensive coverage

Motorcyclists know better than anyone that road hazards can fly up from seemingly nowhere (and they're not always other vehicles).

Whether a rock from the road breaks your headlight or someone takes off with your ride when you stop for a bite to eat, comprehensive coverage can help with repair and replacement bills.

Collision coverage

Life happens. If you cause an accident and need to get your bike fixed, collision coverage can help repair or replace your ride if you cover your deductible. It can also cover up to $500 per helmet.

Related links

Pennsylvania auto insurance
Read up about auto insurance coverage requirements in the Keystone State, ways to save on your policy, and more.

Origins of the U.S. interstate
Few people appreciate the iconic American spirit of the open road more than motorcyclists. Learn more about "the greatest public works project in history."

7 ways to keep winter from trashing your ride
Cold weather can wreak havoc on your motorcycle if you don't prepare it properly for winter hibernation. Take a peek at our motorcycle storage tips.

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

or call 1-866-455-1980