ohio motorcycle insurance

The Buckeye State offers some of the best roads and routes for bikers in the Midwest. Whether you live for river-hugging rides like the Seneca Lake Loop or a twisty, tree-lined route through the Hocking Hills, there are plenty of ways to enjoy Ohio on your bike.

It's even better when you know you have some of the most affordable motorcycle insurance rates for your state. You can get reliable coverage from Esurance that protects you and your ride from whatever the road throws your way.

Get a free Ohio motorcycle insurance quote today, so you can take on Route 763 and still feel protected.

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

motorcycle insurance discounts in ohio

That tricked-out Harley may have set you back a few bucks, but we have your back when it comes to affordable coverage for your bike. These discounts can save you some major dough on your policy so that you can get the most out of your ride — whether it has a custom bald eagle paint job or not.

Safety Course discount

You'll qualify for savings if you've taken an approved safety course within the past 36 months.

Antilock Brakes discount

BMW introduced the antilock brake system in 1988 and production motorcycles have offered it ever since. And yep, we'll give you a discount just for having this now-common safety feature for your bike (not including off-road vehicles).

Switch & Save® discount

You can nab this money-saver just for switching your motorcycle coverage to Esurance from another company. Easy as pie!

Multi-Policy discount

Already have an Esurance auto policy? Insure your bike with us, too, and you'll automatically qualify for this discount.

Paid-in-Full discount

When you pay your yearly motorcycle insurance premium in one fell swoop, you can save big (and not worry about monthly payments!).

Homeowners discount

It doesn't get any easier to qualify for this discount. When you own your home or condo, we'll give you sweet savings on your motorcycle policy.

Recovery Device discount

When you install a recovery device on your ride, you can track down your beloved bike if a thief gets their paws on it. Plus, you can qualify for a pretty nice discount depending on the type of motorcycle you're insuring.

Responsible Driver discount

This time, the good guys finish first. You can qualify for this discount when you ride claim- and violation-free for at least 3 years, have been DUI-free for 5 years, and have at least 2 years riding experience.

Association discount

Join a preferred rider organization and earn this major money-saver (and maybe even a group of like-minded riding pals!).

Motorcycle Endorsement discount

This one couldn't be easier to nab. You'll qualify if you have a valid motorcycle license or a motorcycle endorsement on your driver's license.

Mature Driver discount

If you're at least 60 years old and have taken an approved accident prevention course within the past 3 years, you can save some cash with this discount.

our multi-vehicle discount

Esurance motorcycle insurance covers a laundry list of motorized toys other than motorcycles. And you can score savings for insuring 2 or more of the following vehicles on the same Ohio motorcycle policy:

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

The money-saving advantage of Esurance

Accidents happen. At Esurance, we're human too, which is why we won't raise your Ohio motorcycle insurance rates if you have a claim under $500.

flexible policy management

We're committed to providing convenience and simplicity for our policyholders, while still offering the top-notch service Ohioans have come to expect.

One of the ways we stay true to that commitment is by offering flexible payment options. An Esurance motorcycle insurance policy in Ohio has a term of one year, and can be paid in any of the following ways:

  • Monthly payments
  • 2 installments
  • 4 installments
  • Pay it all at once (and qualify for our Paid-in-Full discount, too!)

required motorcycle coverages in ohio

Buckeye State bikers are required to carry liability insurance, which covers you if you're found at fault in an accident that results in injuries or property damage to others. Ohio requires at least the following limits:

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

You can always opt for higher limits and add optional coverages that give you extra protection in the event of an accident. Call us at 1-866-455-1980 if you have questions about your state's required coverages or want help tailoring your policy to fit your needs.

optional coverages

Much like your bike, your insurance policy can be bare-bones basic or bursting with bells and whistles.

Comprehensive coverage

Whether a rock dings up your paint job or a thief takes off with your bike, comprehensive coverage can help pay for repair or replacement costs that arise due to those things in life you just can't control.

Collision coverage

We all make mistakes. Collision coverage is there to help pay for your ride's repair or replacement costs if you cause an accident, including up to $500 per helmet.

Uninsured/underinsured motorist coverage

About 16 percent of Ohio's motorists drive without insurance, which is a bit higher than the national average of about 14 percent.

Uninsured/underinsured motorist coverage helps pay medical bills and property damage repair costs for you and your passengers if you're hit by a driver that doesn't have insurance (or enough insurance).

Towing and labor

Roadside service can be a real lifesaver if your bike breaks down far from home. We'll pay up to $100 if your ride needs a tow to the closest qualified repair facility, and even cover mishaps like:

  • A dead battery
  • Lost keys
  • Low fuel, oil, or water
  • A flat tire
  • A mechanical breakdown (within 100 feet of a roadway)

Medical payments coverage

Take a dive off your Ducati? This coverage can help with accident-related medical expenses for you and your passengers, regardless of your fault in the incident.

Trip interruption coverage

If you get into an accident or your bike breaks down on a long road trip, trip interruption coverage will help pay:

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

That's per day until your ride is good as new again (up to $500 per incident).

Related links

Ohio car insurance
Read up about your state's car insurance laws, required and optional coverages, and ways to save money on your policy.

Ohio homeowners insurance
Find out how Esurance helps Ohio homeowners protect their home, belongings, and savings — all at an affordable price.

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

Or call 1-866-455-1980.