what does motorcycle insurance cover?

Riding a motorcycle is a great way to (metaphorically) become one with the road. But just in case you or your bike ever actually meet the pavement, motorcycle insurance is there for you. We'll explain how to select the best motorcycle insurance coverage levels to suit you and your bike.

Coverage extends to motorcycles, scooters, ATVs, and more

types of vehicles protected by motorcycle insurance

If you're crazy for bikes, trikes, and sporty rides, we've got good news: no matter your choice, chances are you can cover it with motorcycle insurance.

In addition to standard motorcycles, the following typically can be insured:

  • Scooters
  • Mopeds
  • Street-sport bikes
  • High-performance bikes
  • Limited-production and custom bikes
  • Cruisers
  • Touring and sport-touring bikes
  • Vintage bikes
  • Motocross bikes
  • Off-road/dual-purpose bikes
  • ATVs

how much motorcycle insurance do I need?

This varies by state, but standard motorcycle insurance requires at least bodily injury and property damage liability coverage.

Bodily injury and property damage liability cover you in the event of an at-fault accident. Comprehensive and collision coverage for motorcycles will help you repair or replace a damaged or stolen bike.

Other states may require additional motorcycle coverage, such as uninsured/underinsured motorist coverage. Some states could require Personal Injury Protection (PIP), also known as no-fault insurance. In general, motorcycle PIP insurance covers the medical expenses of people riding on the insured motorcycle and pedestrians who are struck by the insured motorcycle in an accident.

You can customize limits and deductibles and see all of your coverage options in one place when you get your free motorcycle insurance quote.

types of motorcycle insurance coverage

With so many types of bikes to choose from, there are plenty of chances to revel in the open road — which also means plenty of ways to run into trouble. Not to fear! Outfitting your policy with the right coverages will help you stay protected no matter what arises.

Liability insurance

Comprehensive and collision coverage

Total loss coverage

Medical payments coverage

Optional equipment coverage

Trip interruption coverage

Uninsured/underinsured motorist coverage

Towing and labor coverage

managing your motorcycle insurance policy

What factors should I compare to be sure I get the most coverage for my dollar?

If I buy a motorcycle insurance policy today, when can I start my coverage?

How many vehicles can I have on one motorcycle insurance policy?

How many riders can I insure on one motorcycle insurance policy?

Does my motorcycle insurance policy cover me to ride other bikes?

Wonder if you could be saving on motorcycle insurance?

Get your free quote online.

Or call 1-866-455-1980.

More about motorcycle insurance

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Everyone I spoke with at Esurance was excellent to work with. They were helpful and efficient every step of the way. I have recommended Esurance to a lot of people lately."

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