Motorcycle insurance: Finding the best coverage for your ride

For motorcyclists preparing to embark on the open road, securing comprehensive protection for both themselves and their bikes is essential. However, navigating the complexities of motorcycle insurance can be daunting, leaving riders uncertain about their available options. Factors such as required protection levels and associated costs require careful consideration during the policy selection process. Rest assured, we are here to provide comprehensive insights into motorcycle insurance, ensuring you have all the necessary information to tailor your own personalized plan.

Why is it so important to choose the right motorcycle insurance?

Undoubtedly, operating a two-wheeled vehicle involves a heightened level of risk compared to driving other vehicle types, such as automobiles.

Given this elevated risk factor, choosing the most suitable motorcycle insurance policy tailored to your needs is crucial to ensure comprehensive protection during your daily travels.

While motorcycle insurance quotes often hold priority during the selection process, it’s essential to evaluate additional factors that may appear trivial but can be critical when the need arises.

In the subsequent discussion, we will explore key considerations to contemplate before selecting a specific motorcycle insurance policy. Let’s commence!

Overview of Different Types of Motorcycle Insurance Coverage

Before finalizing your policy selection, it is imperative to acquire a comprehensive understanding of the various coverage options available to you. Below, we present a succinct overview of common motorcycle insurance coverage options:

Liability Insurance

Liability insurance encompasses the expenses accrued from damages for which you are legally accountable in an accident, including property damage and bodily injury. It stands as the most common form of motorcycle insurance and is compulsory in the majority of states. Therefore, it is crucial to verify that your policy offers coverage that meets the minimum requirements.


Comprehensive coverage provides protection beyond typical collisions or involvement with other drivers. It compensates for damages to your motorcycle resulting from incidents such as theft, vandalism, and weather-related accidents. Therefore, whether your motorcycle is stolen or sustains damage from a storm-related event like a fallen tree branch, comprehensive coverage ensures you are financially protected, allowing for reimbursement or replacement of your motorcycle.


Collision coverage provides compensation for damages to your motorcycle resulting from a collision with another vehicle or object. It is essential for ensuring comprehensive protection for your motorcycle in the event of an accident. While comprehensive and collision coverage are usually optional, they become imperative if you have a loan on your bike, often mandated by lenders.

Uninsured or Underinsured Motorist Coverage

Incorporating uninsured/underinsured motorist coverage into your policy is advisable, as it offers financial protection in the event of an accident involving a driver with inadequate insurance coverage. Given the unpredictability of the driving environment and the potential risks posed by uninsured or underinsured motorists, having this coverage ensures that you are adequately safeguarded from unforeseen circumstances from the outset.

Medical Payments, No-Fault or Personal Injury Protection Coverage

In states that adhere to a no-fault insurance system, additional motorcycle coverage may be necessary to mitigate your losses. Unlike the traditional fault-based system, where responsibility for losses is determined, in a no-fault state, each driver or rider involved in an accident is responsible for their own losses.

Personal injury protection (PIP) coverage is tailored to alleviate the financial repercussions of injuries sustained in accidents. It provides funds to cover various medical expenses, encompassing but not limited to:

– Doctor’s visits
– Medications
– Surgeries
– Mobility equipment
– Lost wages resulting from recovery time
– Physical therapies
– Any other past and future medical costs related to the accident

Passenger Coverage

Passenger coverage is a distinctive feature not commonly included in standard auto insurance policies, as passengers are less prevalent on motorcycles than in cars. Nevertheless, if you do transport passengers on your motorcycle, this coverage guarantees that their medical expenses are covered in the event of an accident. It is a valuable option to contemplate if you frequently ride with friends or family members.

How to choose the best motorcycle insurance?

In the subsequent sections, we will outline key factors to consider when selecting the motorcycle insurance policy that best fits your needs.

 1. How do you usually use your motorcycle?

As a motorcyclist, your riding habits play a crucial role in determining the type of insurance coverage you need. It is important to evaluate your usage patterns to ascertain the appropriate level of coverage. Consider the following factors:

– Frequency of motorcycle use.
– Types of journeys typically undertaken.
– Total distance traveled.
– Whether you ride solo or with passengers.

Following a simple principle, higher usage increases exposure to risks, thereby requiring more comprehensive insurance coverage to mitigate potential liabilities.

2. What does your motorcycle look like?

Similar to car insurance, the cost and scope of motorcycle insurance coverage depend on various factors related to the vehicle:

– Engine displacement.
– Type of fairing.
– Installed accessories.
– Whether it is considered a classic motorcycle.
– If it belongs to a premium range.

Following the same principle, the more valuable and recent the motorcycle, the higher the recommended coverage. When obtaining insurance quotes for motorcycles, it is crucial to evaluate the investment made in the vehicle and its current market value. Subsequently, you can select a policy that aligns with your coverage requirements, bearing in mind that coverage typically does not exceed the motorcycle’s appraised value.

3. Where are you going to park your motorcycle?

An essential aspect to consider when choosing motorcycle insurance is the parking location of your vehicle, both at home and during regular commutes, such as when traveling to work.

Parking your motorcycle primarily in a garage substantially reduces the risk. For example, it mitigates exposure to potential damage from vandalism or adverse weather conditions. Both you and the insurer take into account this decreased risk level when assessing the insurance premium.

4. How do you want to pay for your motorcycle insurance?

The ideal motorcycle insurance policy offers comprehensive coverage at a competitive rate. Concerning financial matters, payment methods are crucial.

Although insurers frequently provide installment payment options, these may entail associated fees. Therefore, it is advisable to inquire about potential discounts for single-payment premiums and determine whether costs increase for monthly, quarterly, or other installment plans.

Generally, making a single lump-sum payment results in a lower overall insurance cost.

5. What coverages are basic when taking out motorcycle insurance?

Selecting a comprehensive motorcycle insurance policy with diverse coverage options is typically the most prudent decision. Essential components to prioritize in such a policy include:

1. Sufficient coverage for the rider’s medical expenses.
2. Immediate provision of roadside assistance at the outset of the journey.
3. Strong legal defense support, covering appeals processing through administrative and judicial channels regardless of fines incurred.
4. Guarantee of financial compensation in case of theft or damage.

Furthermore, it is advisable to evaluate customer ratings and reviews to verify the insurer’s service quality and reliability. Ultimately, customer feedback can significantly influence decision-making in favor of or against a particular policy.

How to Find an Affordable Policy?

Once you have identified your coverage needs, it is advisable to seek an insurance policy that aligns with your financial parameters. Here are several strategies to maximize savings on your motorcycle insurance:

1. Conduct thorough research by comparing quotes from multiple insurers to secure the most competitive rate.
2. Inquire about potential discounts, such as those for completing safety courses or bundling multiple policies.
3. Consider opting for a higher deductible, which can effectively reduce your premium costs.
4. Explore opportunities for no-claims bonuses or participation in loyalty programs that may result in long-term savings.
5. Evaluate the feasibility of selecting liability insurance exclusively if it adequately meets your budgetary constraints and coverage requirements.

By implementing these recommendations, you can obtain a motorcycle insurance policy that not only meets your financial needs but also provides the necessary protection.

Acceptance Insurance Has You Covered

When evaluating motorcycle insurance options, regardless of your coverage needs, our team of experienced agents is committed to assisting you in choosing the best policy for your bike. At Acceptance Insurance, we offer comprehensive coverage options, including those mentioned earlier, along with additional features to enhance your safety and protection on the road. Request a free online quote today without any obligation to begin safeguarding your motorcycle and saving on your policy.

Common Questions About Motorcycle Insurance

Does My Motorcycle Have to be Registered Before I Can Get Insurance?

Indeed, in most states, registering your motorcycle is a prerequisite before obtaining insurance coverage. It is essential to acquaint yourself with the laws and regulations concerning vehicle registration and insurance procurement in your particular state.

Do I Need to Carry Insurance on My Motorcycle if I Don’t Drive it Very Often?

Indeed, maintaining coverage on your motorcycle is paramount. Whether you ride occasionally or seasonally, having insurance safeguards both you and your motorcycle in the event of an accident.

Do I Need to Get Additional Coverage if I Take My Motorcycle Out of State?

Generally, insurance policies are designed to offer coverage regardless of your location while riding. However, it is advisable to confirm with your insurer whether your policy extends coverage beyond your home state. This ensures comprehensive protection for both you and your motorcycle, regardless of your travel destination.


When you look at your motorcycle, it represents freedom rather than apprehension. The perfect motorcycle insurance encapsulates the sensation of wind in your face and the allure of the open road.

As one of Orlando’s leading independent insurance agencies for nearly four decades, Harry Levine Insurance offers the expertise, resources, and insight to guide you towards a motorcycle insurance policy that prioritizes protection where it is most essential and valued.

Our friendly and knowledgeable agents are ready to assist you, thoroughly comprehending your needs to customize coverage that aligns with both your requirements and financial considerations.



Amy Danise

Amy Danise is the managing editor for and Forbes Advisor's insurance section, covering auto, home, renters, life, pet, travel, health, and small business insurance. With over 30 years in the insurance sector, she specializes in simplifying complex insurance topics into actionable information. Amy collaborates with her team to translate insurance jargon into clear language for consumers, helping them understand insurance costs and find top-rated companies. Leveraging her extensive industry contacts, she develops Forbes Advisor's insurance content and analyzes state regulatory filings for insights. Amy's expertise has earned her features in major news outlets like The New York Times and The Wall Street Journal. She holds a Bachelor's degree in American Studies from Wesleyan University.

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