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Getting Coverage

Insurance for motorcycles can cover everything from a scooter to a trike and the hogs and crotch-rockets in between. Most states have legal requirements for motorcyclists to carry insurance, and auto insurance policies do not cover motorcycles without adding motorcycle insurance coverage. When shopping for the right coverage for your motorcycle, below are some factors that you should consider:

State Laws

Every state has different requirements for motorcycle insurance coverage, being familiar with what type of coverage and how much coverage you need will help you start your search. Some coverages (Personal Injury) are not available in all states.


How often you ride and how far you travel can also play a role in finding motorcycle insurance quotes that meet your needs.

Type of Motorcycle

Things like comprehensive coverage and towing & labor coverage may look different depending on the type of bike you ride.

Driving Record

Although auto insurance does not cover your motorcycle, your auto driving record can affect motorcycle insurance cost.

Explore Options

These can act as good guideposts for figuring motorcycle insurance costs and best fits. Once you have a general idea of the coverage you will need, you can explore the different motorcycle insurance coverage options, most companies include the following:


If you are injured in a motorcycle accident, this coverage can help with medical expenses deemed reasonable and necessary.

Bodily Injury Liability

This coverage provides payments for medical expenses and income loss if another motorist is hurt or killed because of an accident where you are at fault.

Property Damage to Others

Accidents can cause serious property damage and this coverage helps pay when you are at fault.

Personal Injury

Personal Injury protection (PIP) covers damages incurred to the insured in an accident, regardless of who is at fault. PIP typically covers medical and other associated costs for you as the rider and your passenger should injuries occur.


This coverage protects you from the cost of damage done to your bike, trike, or scooter as the result of an accident (with a car or any other object).

Uninsured / Underinsured Motorist

Although most states require drivers to be insured, not everyone complies. This coverage protects you in the event that you are in an accident which is not your fault and is with an uninsured driver or an underinsured driver and you are injured.

Towing & Labor

Not everything that can go wrong is the result of an accident, wear and tear can lead to mechanical failures and this coverage can protect you from being stranded in the middle of a ride-gone-wrong.

Comprehensive Coverage

Ever had your bike get a door-ding, keyed, or accidentally scratched while it was parked? Comprehensive coverage makes sure you are taken care of. This coverage protects you from the cost of fixing dings, dents, and scratches caused by non-moving accidents.

How to Get a Motorcycle Insurance Quote

Getting insurance for your motorcycle is a lot like getting coverage for your car. First, you’ll want to connect with a motorcycle insurance expert, like our agents at Asnay & Associates. They will collect preliminary information and can start preparing motorcycle insurance quotes for you to compare. To make this process a little easier, you may want to have the following handy:

  • Make, model, and registration for your bike
  • A copy of your driver’s license, and other personal information to pull your driving record
  • About how many miles you anticipate driving on a monthly basis
  • Where you live and where you plan on riding
  • If you will be using a sidecar or trailer at any point in time
  • An idea of what you want to protect beyond the state minimum
  • Once your information is collected and compiled, your Ansay agent can compile a list of motorcycle insurance quotes for you to compare, and walk you through different coverage and bundle options.


Types of Motorcycles and Restrictions

Although motorcycle insurance covers a variety of vehicles, each state varies on what qualifies under this type of coverage. To be considered eligible for motorcycle insurance quotes, you’ll need to confirm what your state allows, but most include the following:

  • Motorcycles of all kinds, including sidecars
  • Motor Trikes
  • Mopeds
  • Scooters (motorized scooters, like a Vespa)
  • ATV/UTVs

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Frequently Asked Questions

Answers to Frequently Asked Motorcycle Insurance Questions

How much is Motorcycle Insurance?

The cost of motorcycle insurance varies significantly and can range from $25 - $200 per month depending on the state you live in, additional coverage options, and your insurability.

Do you need Motorcycle Insurance?

Yes. Even if your state does not require motorcycle insurance, the cost of not being insured and getting in a single accident can be a heavy toll.

Can you get Motorcycle Insurance without a license?

The short answer is, yes. But this will require more paperwork and more hoops for you to jump through before you can get a motorcycle insurance quote.

Does Motorcycle Insurance cover theft?

If you have a comprehensive plan, theft is often covered. However, basic motorcycle insurance will not cover theft.

Can you cancel Motorcycle Insurance in winter?

You can cancel your policy at any time. There are no special plans for part-time bikers, but this is something to take into account when selecting your plan.

Contact Us

We're here to answer your questions. Let's talk.

Before hitting the road on your next ride, contact Ansay & Associates for an accurate motorcycle insurance quote to make sure you and your bike have adequate protection.

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