Motorcycle insurance in North Carolina

Motorcycle insurance is mandated by law in North Carolina. And with its mild weather and beautiful scenery, The Tar Heel State is a great place to ride. Before you head out on the road, learn what you need to know about motorcycle insurance in North Carolina, including what coverage is required, how you can customize your policy with add-ons, and how you can save money on your rate.

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What are North Carolina’s motorcycle insurance requirements?

The basic liability minimums for any North Carolina motorcycle policy are:

  • $30,000 in bodily injury per person
  • $60,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Progressive is the nation's #1 motorcycle insurer. We protect nearly one-third of all insured motorcyclists in the country. Get a motorcycle insurance quote in minutes and discover why so many motorcyclists choose Progressive.

What’s included in a Progressive motorcycle insurance policy in North Carolina?

Progressive policies with physical damage protection always pay to restore your bike to the same condition it was in before the accident. We cover parts at their full replacement cost — not their depreciated value — and we pay for the same kinds of parts for the repair. If your bike uses the original equipment manufacturer parts, we'll pay for OEM parts to fix it. If you've got custom parts, that's what we'll pay for to repair the damage.

We also protect any modifications or after-market equipment with our accessories coverage. Policies with physical damage protection automatically include $3,000 in accessories coverage, but you can customize that limit like other coverages in our policies. Get as much as $30,000 in accessories coverage to protect even the most unique rides.

Comprehensive and collision coverage

North Carolina law only mandates liability coverage for motorcycles, which protects others from damages you cause. Many riders choose insurance with coverages that can protect them as well, no matter the situation. Motorcycle collision coverage can pay for damages to your bike that result from a collision with another car or an object like a telephone pole, regardless of who was at fault. Motorcycle comprehensive coverage, known as Other Than Collision in North Carolina, protects your bike when the damage doesn't come from a collision, but rather damages or loss from forces outside your control (vandalism, theft, natural disasters, etc.).

Other Progressive motorcycle coverages available in North Carolina

In addition to the basic coverages above, you can add the following coverages to further customize your policy:

Total loss coverage is available for bikes no more than one model year old on a new policy or two years old on a renewal. It protects against depreciation by paying the full MSRP of a current model year of your bike, less your deductible, in the event of a total loss.

Roadside assistance covers the cost of towing your bike to the nearest mechanic.

Carried contents and personal belongings can protect the personal effects you carry when a covered loss occurs, including theft.

Learn more about Progressive motorcycle insurance coverages.

How much is motorcycle insurance in North Carolina?

Insurance costs vary based on many factors, including your age, accident and claims history, location, and policy limits. Each insurer has its own formula for calculating these factors. Progressive premiums in North Carolina are generally in line with our national average.

Learn more about average motorcycle insurance cost.

Where to find cheap motorcycle insurance in North Carolina

Getting the right coverage is an investment that can save you money in the long run. Progressive's customizable policies already make it easy to balance coverage with cost, but you can get prices even lower thanks to our many motorcycle insurance discounts:

  • Multi-policy
  • Quote in advance
  • Responsible driver
  • Safety course
  • Pay on time

Learn more about our available motorcycle insurance discounts.

Pro tip:

If you have other insurance policies, you could save big by bundling them with Progressive. Motorcycle customers nationwide who bundle multiple policies save an average of 7%. Ask about our multi-policy discount before you buy to see how much you can save.

How to get motorcycle insurance in North Carolina


We'll ask you a few simple questions, then you choose your coverages.

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Call a rep

You'll speak with a licensed representative who will guide you through everything.

Call 1-866-749-7436

Through an agent

If you want local advice, we'll connect you with a licensed, independent agent near you.

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Enjoy life on two wheels with motorcycle insurance from Progressive

Learn more about our motorcycle insurance offering.