north carolina motorcycle insurance

From low-lying coastal plains, to ancient plateaus, to the famous Appalachian Mountains, the Tar Heel State offers motorcyclists quite the view no matter where you ride.

To make sure bikers in North Carolina get the most out of their uniquely beautiful state, Esurance is committed to helping you find some of the most affordable motorcycle insurance rates around. While we don't currently offer coverage in the state, you can still get a North Carolina motorcycle insurance quote here for a policy with our partner.

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

how to save on motorcycle insurance in north carolina

When it comes to keeping rates low, nothing's higher on your insurer's list than staying safe on the road. Luckily, that's something many North Carolinians have already mastered.

The cities of Cary and Winston-Salem, for example, ranked as 2 of the 50 safest places to drive in the U.S. in 2014. If you can believe it, the average resident in either of these towns goes more than 10 years between accidents!

After taking a minute to give yourself a dramatic slow-clap (we'll wait), it's time to think about perks you can earn with your safe habits. That's because no matter where you live in the Tar Heel State, riding incident-free could translate to motorcycle discounts with our partner — such as Claim Free Renewal and Responsible Driver.

Just grab your free quote to see what savings opportunities you can nab thanks to your driving record or other factors.

north carolina motorcycle insurance requirements

At a minimum, riders in your state must carry liability insurance to help cover others' injury or property damage expenses that you're responsible for in an accident.

Though you can always select higher coverage for better peace of mind, liability coverage in North Carolina comes with the following limits:

  • $30,000 bodily injury per person
  • $60,000 bodily injury per incident
  • $25,000 property damage per incident

why do you ride in NC?

Though basketball still rules the roost in your neck of the woods, motorcycling isn't far behind. In fact, there's no doubt that North Carolina is fast becoming one of the preeminent riding destinations in the country. On top of sheer scenic beauty, your state has the twelfth-most registered motorcycles (over 200,000), and ties for the fourth-most "Top 100" routes on

With so much to love about riding in your area, it's only natural to want to share it with the rest of country. Head over to Esurance's Why I Ride center to tweet your favorite aspects of North Carolina motorcycling, view inspiring photos and videos from other biking enthusiasts, and indulge in all things 2-wheeled.

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

Or call 1-866-455-1980.