What states don’t require motorcycle insurance?

Florida is the only state that doesn’t mandate motorcycle insurance. However, liability coverage is highly recommended in case you’re responsible for injuries or damage caused in an accident.

How much motorcycle coverage do you need?

Each state has its own minimum requirements for liability coverage, but you should carry limits that match your net worth—this will safeguard your assets if you’re liable in an accident. Reference the table below to see your state’s minimum liability coverage limits.

Additionally, the following coverages can protect against motorcycle damage and injuries sustained in an accident:

Comprehensive and collision coverage

If you financed your bike, your loan or lease company will likely require you to carry physical damage coverages. Even if your motorcycle is paid off, comprehensive and collision are worth considering. Adding these coverages will protect you against unexpected events like colliding with another object, theft, vandalism, hitting an animal, and weather or acts of nature.

Uninsured/underinsured motorist coverage

According to the Insurance Information Institute, about 13% of drivers countrywide don’t have insurance. Uninsured/underinsured motorist coverage can pay for your medical bills and any lost wages due to injuries from an accident with an uninsured or underinsured driver. Additionally, some states offer uninsured motorist property damage (UMPD), which covers damage to your bike and can be especially beneficial if you don’t have collision coverage on your policy.

Medical payments coverage

In situations where you or your passenger are injured in an accident, medical payments coverage can pay your medical bills, regardless of fault, up to the limits of your policy.

Additional coverages for your motorcycle

At Progressive, we offer a variety of extra coverages, plus protection for situations that can occur on the road:

  • Carried Contents: Covers personal belongings that you carry while riding if they’re damaged, stolen, or fall off your bike.
  • Enhanced Injury Protection: Get up to $250 per week for two years if you’re injured in a covered motorcycle accident and can’t work.
  • Accessories and Custom Parts/Equipment: We automatically include $3,000 in accessory coverage to protect the upgrades and customizations you’ve made to your ride.
  • Total Loss Coverage: If your bike is totaled and no older than one model year on a new policy, we’ll pay you the full manufacturer's suggested retail price for a brand-new bike, minus your deductible.
  • Roadside Assistance: If you break down in the U.S. or Canada, we’ll tow your bike to the nearest repair shop for free.

See additional information about all standard and optional Motorcycle coverages.

Minimum liability limits for motorcycle insurance in each state

Liability coverage is broken down into two different types of coverage: bodily injury and property damage. It’s represented by three numbers that are commonly written with slash marks to separate each coverage limit. For example, if the amount of liability coverage required for motorcycle insurance in your state has a minimum limit of 25/50/25, you need a $25,000 limit per person for bodily injury, a $50,000 total limit per accident for bodily injury, and a $25,000 limit per accident for property damage.

Select your state from the list below to see the minimum liability requirements.

Minimum liability requirements Limit per person/Total bodily injury/Property damage
Select a state
Alaska 50/100/25
Alabama 25/50/25
Arkansas 25/50/25
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 25/50/25
Delaware 25/50/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 25/50/20
Indiana 25/50/25
Iowa 20/40/15
Kansas 25/50/25
Kentucky 25/50/25
Louisiana 15/30/25
Maine 50/100/25
Maryland 30/60/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 20/50/25
Missouri 25/50/25
Montana 25/50/20
Nebraska 25/50/25
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
New York 25/50/10
Nevada 25/50/25
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 25/50/25
Oklahoma 25/50/25
Oregon 25/50/20
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 30/60/25
Utah 25/65/15
Vermont 20/50/10
Virginia Minimum liability requirementsLimit per person/Total bodily injury/Property damage25/50/20
Washington 25/50/10
West Virginia 25/50/25
Wisconsin 25/50/10
Wyoming 25/50/20

What is seasonal motorcycle insurance?

Seasonal motorcycle insurance, also known as lay-up motorcycle insurance, allows you to drop coverages or cancel your policy during the months you’re not using your bike. However, this type of policy is handled differently based on the insurance company you choose, so it’s a good idea to check with your insurance company to see how they handle lay-up motorcycle insurance policies. At Progressive, you can adjust or drop certain coverages when your bike isn’t being used.

How do I get insurance for my motorcycle?


Answer easy questions, choose your coverages, and get a discount for quoting online.

Call a rep

Speak with a licensed representative who will help you through the entire process.

Through an agent

If you need local advice, we can connect you with a licensed independent agent near you.

Progressive is the #1 motorcycle insurer! Join Progressive today, and see why one out of every three bikes on the road is insured by us.