new york motorcycle insurance

We're the company that never sleeps when it comes to helping New Yorkers save on their motorcycle insurance. While we don't yet offer coverage in your state, you can start a free quote with our trusted partner for some of the most affordable motorcycle insurance rates in the Empire State.

Whether you spend your days taking on Big-Apple traffic or ditching the hustle-and-bustle in favor of relaxing rides upstate, you'll be able to choose from customizable coverage options that make sense for you.

what our customers say


My last insurance company was so complicated. I love how easy and accessible Esurance is. I can print what I need when I need it, and the customer service is the best I've ever experienced.

— Paul, Florida


I filed a claim online and was called within 30 minutes. My rep was very helpful and informative — but most of all she was human. It made an odd situation easy to work through.

— Jordan, Massachusetts


You guys get it and you rock! I love dealing with efficient companies without all of the red tape and corporate stuffiness! Thank you Esurance for being awesome and providing a good service.

— Kristoffer, South Carolina

new york motorcycle insurance discounts

Nothing beats saving a buck — especially when it's this easy! New York riders could cruise into savings with a variety of discounts from our partner.

For instance, if you stay incident free throughout your policy term, you could be eligible for a Claim Free Renewal discount. Or if you sharpen your riding skills by taking a state-approved safety course, your wallet could grow right along with your knowledge base.

This is only the tip of skyscraper. Get your free quote to see exactly what discounts you stand to nab.

required motorcycle insurance in new york

New Yorkers must have the following coverages to ride legally in the Empire State.

Liability coverage

If you or another rider on your policy ever causes an accident, liability coverage helps protect your hard-earned savings by paying for others' injury and property damage costs. Here's the minimum amount of liability you must carry:

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

For more peace of mind, you can always select higher limits when you get your New York motorcycle insurance quote.

Uninsured motorist (UM) coverage

Roughly 1 out of every 20 motorists in New York is uninsured. And when you're stuck in downtown gridlock or it's rush hour on the L.I.E., that's not very happy math. Thankfully, you can rest a little easier with UM coverage, which helps pay your bodily injury costs if you're hit by an uninsured driver.

Minimum limits for UM are the same as the minimum bodily injury liability limits.

the issue of motorcycle theft in new york

New York City led all U.S. cities in motorcycle theft in 2015. With over 1,000 reported cases, the Big Apple proved to be a decidedly rotten place to leave your bike unattended.

The good news is you can take control of your motorcycle's security using simple methods. Head to the Esurance Info Center to pick up insightful facts, stats, and theft-prevention tips and reduce the risk of someone getting their hands on your hog.

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

Or call 1-866-455-1980.