Easy To Understand Motorcycle Insurance Requirements

Motorcycle insurance requirements vary depending on where you live. Each state has its own rules for motorcycle coverage. In most states, motorcycle insurance requirements include liability, at a minimum. There are additional policy options for you to choose from. Simply research your options and select the best policy to suit your needs.


Liability insurance is generally at the top of the list of motorcycle insurance requirements. Liability covers the other party’s property damage and/or bodily injury when you are involved in an accident that is considered your fault. Liability sometimes even covers any court fees if the case goes to trial.

Be aware, though, that you must pay any fees that exceed your liability insurance limit. For example, if your policy covers up to $5,000 of liability, but you cause over $5,000 in damage by hitting an expensive vehicle, you will have to come up with the additional money yourself.

Guest Passenger Liability Coverage

Basic liability only covers people in other vehicles. If you often ride with a passenger on your motorcycle, you may want to consider purchasing guest passenger liability coverage. This coverage pays for any bodily injury that a passenger sustains while riding with you. Having this insurance will help your passenger to feel protected and enjoy the ride.


Collision covers replacement or repair costs if the motorcycle is totaled or damaged in a collision. If you want to keep your premium low but still adhere to motorcycle insurance requirements, consider raising your deductible. A deductible is the amount you pay before your insurance company steps in to cover the remainder.

For example, let’s supposed your policy has a $500 deductible, and you get into an accident where the damage totals $1,500. You will be required to pay your deductible, $500, up front. Then your insurance company will cover the remaining $1,000. Raising your deductible just a few hundred dollars can drastically reduce your monthly premium. Just make sure you have enough money to cover the extra expenses in the event of an accident.


Sometimes damage can occur to a vehicle without even taking it on the road. With comprehensive insurance, your motorcycle is covered in such events as fire, theft, vandalism, and storm damage. As with collision, you can raise your deductible to lower your monthly premium.

Uninsured Motorists

Although uninsured motorist coverage is not always listed as one of a state’s motorcycle insurance requirements, it is a smart option to consider. While all motorists are required by law to have insurance, not all do. Uninsured motorist insurance pays for any bodily injury or property damage caused in an incident with someone who does not have automobile or motorcycle insurance. Without this coverage, if you get into an accident with an uninsured motorist, you will be held financially responsible (even if the accident was not your fault).

Roadside Assistance

If you often take your motorcycle for long road trips or getaways into foreign lands, you may want to purchase roadside assistance. What would you do if you were stranded on an interstate with a bike that had broken down, had a dead battery or flat tire, or needed oil or other fluids? Roadside assistance covers towing your motorcycle to the nearest service facility for repairs. It is not generally considered to be on the list of motorcycle insurance requirements, but this additional coverage can be a lifesaver. Note that roadside assistance is sometimes covered in comprehensive insurance policies.

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