Motorcycle Insurance

If you are one of the over 8 million registered motorcycle riders in the United States, you were most likely drawn to that type of vehicle because of its cost, convenience and fuel efficiency.


While riding a motorcycle offers several valuable benefits, there is an obvious downside. Studies show that motorcycle riders are 5 times more likely to be seriously injured and 26 times more likely to die in an accident than drivers of private passenger cars. This accounts for a whopping 14 percent of all motor vehicle fatalities.


These eye-opening statistics mean that having motorcycle insurance is one of the most important steps you can take to protect yourself from financial loss related to owning and operating a motorcycle on a regular basis. If you were involved in a motor vehicle catastrophe, would you be able to cover the associated costs? Could you afford to repair or replace your motorcycle if necessary? Would your finances be able to recover from the medical bills?


Let us show you the benefits of motorcycle insurance and how having it can protect and shield you and your loved ones from the unexpected.

What is motorcycle insurance?

Motorcycle insurance is a type of insurance that protects a motorcycle rider from financial loss if they are involved in a motor vehicle accident or if their motorcycle is stolen, damaged or lost due to a covered cause. Motorcycle insurance also covers the costs associated with bodily injury and personal property damages to another person.


Most motor vehicle insurance policies are designed to cover owners of the following types of vehicles:



Dirt Bikes


All-Terrain Vehicles (ATV’s)




What types of coverage does motorcycle insurance offer?

The coverage options for motorcycle insurance include, but are not limited to the following items:

Bodily Injury and Property Damage Liability

If you cause bodily injury or damages to someone’s property as a result of operating a motorcycle, this coverage pays the associated costs up to a predetermined limit.

Uninsured or Underinsured Motorist

If you are involved in a motorcycle accident with someone who is not insured or who does not have adequate coverage to pay for your damages and bodily injuries, having this coverage mitigates those costs.

Medical Payments

Covers the cost of your medical bills and the medical bills of your passengers associated with any accident your motorcycle is involved in, whether it is due to your own fault or not.


If your motorcycle is lost or damaged due to factors outside of a vehicle collision, comprehensive coverage pays for them. The types of damages covered include vandalism, theft, fire, flood and other kinds of natural disasters.


Collision coverage mitigates any costs associated with damage done to your motorcycle whether you get into a single or multiple vehicle accident or if you are or are not at fault. This type of coverage is typically mandatory for riders operating a leased or financed motorcycle.

Roadside Assitance

Pays for services associated with motorcycle breakdowns. Common roadside assistance services include but are not limited to towing, mechanical breakdowns, flat tire replacement, battery replacement, running out of gas and other vehicle fluids.

The best coverages for your needs depend on your specific circumstances and more importantly, your budget for motorcycle insurance.

How much does motorcycle insurance cost?

Without knowing all of the specific information involved, it is impossible to estimate how much your motorcycle insurance would cost. The total cost of your motorcycle insurance premium depends on several factors, which your agent will take into consideration when creating your policy.

The kind of motorcycle you have

– Different types of motorcycles attract different premium rates. For example, riders who operate Sport Bikes tend to pay higher average premiums than riders who operate Cruisers. This is because of the increased speed and lack of control typically associated with riding Sport Bikes vs. Cruisers.

Your level of riding experience

– The more experience you already have with riding a motorcycle safely, the lower you can expect your premiums to be. Your agent will look at factors such as your age and driving record primarily to make this determination.

Where you ride your motorcycle

– Riders who live in cities and urban areas can expect to pay higher premiums than riders who live in rural areas. Riders who live in states that have better year-round weather conditions also tend to see higher premiums since they are likely to ride their motorcycles on a more regular basis.

How much coverage you request

– The level of coverage you want to have on your motorcycle is a big factor in how much the policy will cost. Comprehensive and collision coverage options that offer more protection will cost you much more than a basic liability insurance policy.

All of these factors will be assessed and your agent will determine the associated risk level and price your policy accordingly.


With that being said, there are ways to ensure that you get the best rates possible, such as paying a higher deductible or finding discounts that can be applied to your insurance policy. Taking a safe driver course and increasing the number of safety features associated with your vehicle, such as having Lojack and other anti-theft devices installed, are simple ways to reduce your premiums and make your policy more affordable.


To ensure that you get the best rate possible, always work with a well-qualified agent that is experienced in writing motorcycle insurance policies.


Wearing a helmet, following the road code and practicing proper safety every time you ride goes a long way to keep you secure as a motorcycle owner. But for those situations outside of your control, having motorcycle insurance gives you peace of mind and protection in the event of a disaster.


Do you need some help finding the right motorcycle insurance policy for your needs? Call today and speak with an experienced agent at Ihry Insurance who will provide you with more information and give you a free no obligations quote.