Do I Need to Have Motorcycle Insurance?
The short answer? Yes. Almost every US state requires motorcycle insurance. The only states that do not require you to hold insurance for your motorcycle are New Hampshire, Florida, and Montana. But just because holding insurance in these states isn’t mandatory, doesn’t mean you don’t need it.
Being found at fault in an accident where you don’t have proper insurance coverage can be financially devastating. Can you afford to cover the costs of repairs to someone else’s vehicle? What about medical bills for yourself or another party involved—or both? And don’t forget legal fees if charges are pressed for any reason.
If you’re not certain that you could cover these potential costs, you need motorcycle insurance. Shopping for insurance may be a frustrating task, but sorting through the mess of an uninsured accident is far more arduous. For more information on the insurance requirements in your area, visit the Department of Insurance website.
What Options for Motorcycle Insurance Are There?
Motorcycle insurance covers any vehicle that is considered a motorcycle, such as a sports bike. This does not include e-bikes, mopeds scooters, or dirt bikes.
Your options for the type of insurance you purchase vary by state. Some states have coverage minimums that differ from others. Perhaps you live in a state that doesn’t require insurance, but you plan on traveling to a state that does.
Your insurance needs are unique to you. It’s important to take some time to figure out how you’ll be using your motorcycle to ensure that you find the type of coverage you need to keep you financially and legally safe.
Confused about what you might need? Our agents would be happy to help you sift through the various requirements to figure out exactly what coverage would best suit you!
