New York motorcycle insurance
While motorcycle season is short in The Empire State, it's essential to ensure you're safe and protected while on the road. Learn what coverages are required, which are optional, and how to lower the cost and find the best motorcycle insurance in New York state.
What are New York’s motorcycle insurance requirements?
Motorcycle insurance is required by law in the state of New York. To get New York's motorcycle insurance, before you can even register your motorcycle in New York state, you'll need to have proof of insurance. State law mandates the following minimum liability coverage limits:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $10,000 in property damage per accident
You can pause or cancel your coverage without giving up your registered license plate, but you'll need an active policy with liability coverage any time your bike is on the road. New York also requires personal injury protection and uninsured motorist coverage for your motorcycle if you’re involved in an accident with someone who does not have insurance.
Do you have more than just motorcycle insurance? Motorcycle customers nationwide save an average of 7% when bundling multiple Progressive policies. Get a motorcycle insurance quote today.
What's included in a Progressive motorcycle insurance policy?
Progressive includes full replacement cost for all parts — without depreciation — on all motorcycle insurance policies with physical damage coverage. That means we'll pay to restore your bike to its pre-accident condition or better. We always pay for matching parts, too: OEM parts to repair gear from the original equipment manufacturer and custom parts to repair custom equipment.
If you've made after-market modifications to your bike, those are covered through our Accessories coverage. Any policy with physical damage protection automatically includes $3,000 of coverage for upgrades, customizations, and accessories, but you can increase the limit as high as $30,000 to cover even the most unique rides.
Comprehensive and collision
Legally mandated liability coverage only protects others if you're at fault for an accident, but many motorcyclists want to feel confident that their insurance can pay for their own damages and injuries, too. Collision coverage for your motorcycle may pay for damages your bike suffers in a collision, regardless of fault. It can even protect if there are no other drivers involved, like if you hit a tree. Motorcycle comprehensive coverage protects you from forces beyond your control, like vandalism, severe weather, or collisions with wild animals.
Other Progressive motorcycle coverages available in New York
Beyond these basic protections, you may want to expand your policy with optional motorcycle insurance coverages like:
Total loss coverage can pay for the complete replacement cost (without depreciation) of a new bike in case of a total loss. Available for motorcycles no more than one model year old on a new policy or two model years old on a renewal.
Roadside assistance covers the cost of towing your bike to the nearest mechanic. It can be further expanded with trip interruption protection to cover costs like hotel or transportation if you're away from home.
Carried contents and personal belongings is designed to protect any personal effects you're carrying when a covered loss occurs, including theft.
Enhanced injury protection can pay up to $250 a week for two years if you suffer an injury in a covered accident that prevents you from working.
Learn more about available motorcycle insurance coverages.
How much is motorcycle insurance in New York?
Insurance rates are highly personal. They're calculated by insurance companies based on factors like your location, sex, age, accident history, riding habits, coverage limits, and more. Fortunately for residents of New York, the statewide average for Progressive premiums is lower than our national average.
Learn more about motorcycle insurance cost.
Where to find cheap motorcycle insurance in New York
Progressive is the nation's most popular motorcycle insurance, covering nearly one-third of all insured riders in the country. One of the reasons riders choose us is for our many motorcycle insurance discounts, including:
- Switch and save
- Motorcycle endorsement
- Responsible driver
- Multi-policy discount
- Multi-vehicle discount
Learn more about motorcycle insurance discounts.
Many riders wonder if they should cancel motorcycle insurance in the off-season. While you are legally allowed to do so in New York, we recommend maintaining your coverage. Not only can you benefit from any comprehensive coverage on your policy while the bike is garaged, but prices can also go up if you cancel then later purchase a new policy.