How does motorcycle insurance work?

Whether you buy motorcycle insurance on your own or from an agent, you'll be asked some basic questions about you, your bike, and your desired coverages. All these factors will affect your motorcycle insurance cost. If your bike is damaged or stolen, or you're in a motorcycle accident and liable for another person's injuries or damages, you can file a claim with your insurer. If your claim is covered, your insurance will pay for losses or injuries up to your coverage limits. How much your insurance provider covers depends on the limits you choose when buying your policy.

Is motorcycle insurance required?

Motorcycle insurance is mandated in nearly every state. If you ride without insurance, you could get a fine, have your license revoked, be sued, or even land in jail. While most states require a minimum amount of liability coverage, comprehensive and collision coverage are optional unless you're financing your bike, in which case your financing company may require those coverages. Even when motorcycle insurance isn't required, carrying a policy can be critical in protecting your bike against damages and your assets if you're liable in an accident.

What does motorcycle insurance cover?

Motorcycle insurance covers mishaps that can happen while you're on or off the road. Here are the most common coverages on a motorcycle policy:

  • Liability: Liability coverage is mandatory in most states and can pay for damages to other vehicles or objects, injuries to other drivers and passengers, and lawsuits if you're sued due to an accident.
  • Comprehensive: Comprehensive coverage is typically required if you're financing or leasing your bike and protects against events beyond your control, including theft, vandalism, windshield damage, fire, hitting an animal, and acts of nature.
  • Collision: Collision coverage is also usually required by your lender and can pay for damages resulting from a crash with another vehicle or object or if your bike overturns, regardless of who's at fault.
  • Uninsured/underinsured motorist property bodily injury and property damage: Uninsured motorist (UM) and underinsured motorist (UIM) coverages pay for repairs or replacement of your bike up to your policy's limits if your motorcycle is damaged by a motorist with no insurance or without enough coverage. UM and UIM coverages also cover your injuries, up to the limits of your policy, if you're hit by an uninsured or underinsured motorist.
  • Medical payments: This coverage pays for medical expenses for you and your passengers if you're in an accident, regardless of fault.

Extra coverages

Brand new motorcycle if you total yours

Total loss coverage: If you have a newer bike and it's totaled in a covered accident, we'll pay you the full manufacturer's suggested retail price for a new motorcycle, minus your policy's deductible.

Suppose you bought your bike for $20,000 a couple of years ago. Now it may only be worth $15,000 after depreciation. However, if the bike's latest model costs $20,000, that's the amount you'll receive after paying your deductible.

Towing

Roadside assistance and trip interruption: If you're within 100 feet of the road and your bike becomes disabled, we'll tow it to the nearest repair facility for free. You can also add "trip interruption" coverage, which pays for food, transportation, and hotel expenses up to $500 per incident. Keep in mind that roadside assistance must be purchased before you can add trip interruption coverage.

Belongings on your bike

Carried contents and personal belongings: Covers personal items you carry on your motorcycle if they're damaged, stolen, or fall off your bike. Covered items include phones, laptops, apparel, camping, and hunting gear.

25% deductible drop

Disappearing deductibles: For every claim-free policy term, we'll subtract 25% from your deductible amount. For instance, if you buy a Progressive motorcycle policy and your collision deductible is $1,000, we'll lower it to $750 if you haven't filed a claim by your first renewal. If you're still claim-free at your next renewal, your deductible amount will drop another 25% — and so on, all the way down to $0. Learn more about disappearing deductibles.

Lost wages if you get injured

Enhanced injury protection: If you're unable to work due to an injury in a covered accident, Progressive will pay you up to $250 per week for two straight years. If you're in a fatal accident, we'll pay $25,000 to your beneficiaries.

Full value for replacement parts

If you're in a covered accident, Progressive will restore your damaged bike to pre-accident condition or better. Suppose your bike's five-year-old front tire with 10,000 miles has a depreciated value of $50, but a new one costs $150. With Progressive's no depreciation policy, we'll give you $150 for a similar replacement tire.

Coverages automatically include on your motorcycle insurance policy from Progressive

These coverages come standard when you insure your bike with us:

  • Accessories and custom parts/equipment: We automatically include $3,000 in accessory coverage if you have comprehensive and collision insurance on your policy. If $3,000 isn't enough, you have the option to purchase up to $30,000 in coverage.
  • Original equipment manufacturer parts: Progressive will always repair your bike with OEM parts if that's what you originally had. If your parts were customized, we'll use custom parts.
  • Accident forgiveness: We won't increase your rate if you have a claim that costs less than $500. And if you ride accident-free with us for four years, we won't raise your rate for your first accident over $500. Learn more about accident forgiveness.

What doesn't motorcycle insurance cover?

Motorcycle insurance policies won't cover the following:

  • Track days or competitions: If you ride your bike in races, timed events, speed tests, or on a track, you're typically excluded from coverage.
  • Commercial use: If you use your motorcycle for business purposes, you may not be covered while on the job. If you regularly use your bike for work (outside of commuting), consider a commercial vehicle insurance policy.
  • Wear and tear: Depreciation of your bike is never covered by motorcycle insurance.

How is the cost of motorcycle insurance determined?

Insurers will consider a variety of factors, and pricing all comes down to risk: How likely are you to have an accident or claim, and what will it cost to repair or replace your bike? Here are some of the factors that will determine your price:

  • Riding history
  • Type of bike
  • Age
  • Location
  • Coverage selection

See more motorcycle insurance cost factors and where your state is grouped for the average cost of a liability-only motorcycle insurance policy from Progressive.

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