This is one of the broadest categories of motorcycles and bikes that we insure. These bikes are designed for speed and usually have an aerodynamic style and a more aggressive riding position than a traditional cruiser motorcycle. These bikes also have full or partial fairing.
At Progressive, getting insurance for sports bikes is as easy as it gets. We insure these as “motorcycles,” and we’ll insure just about any type. All you have to do is get a quote online and you can even get your sport bike insurance today. Here are the common types and brands of sport bikes we insure.
- Sport bikes and motorcycles
- Street bikes and motorcycles
- High performance bikes and motorcycles
- Crotch rockets
- Honda CBRs
- Kawasaki Ninjas
- Ducati Monsters
Common sport bike insurance coverages: more coverage pays off
We insure sport bikes under our motorcycle insurance policies, so you’ll get all of the same coverages for both traditional motorcycles and sport motorcycles. But because sport bikes are built for speed, many of our riders choose to add extra coverage and higher limits. Believe us, in many cases, it actually does pay off.
Comprehensive & collision
It’s one of the most popular coverages for all types of motorcycles. But this can be even more valuable for sport bike riders, especially if you use your bike for what it was made for: speed. In fact, we see more collision claims for sport bikes than traditional motorcycles.
This coverage pays to repair or replace your bike if it’s damaged/stolen. Also, you get to pick your deductible (which is the part of the claim you want to pay). For example, if you incur $2,500 in damages and have a $500 deductible, you pay $500 and we’ll pay the rest. As you can imagine, a lower deductible might be best—meaning you pay less on a claim (and we pay more).
Bodily injury & property damage liability (BI/PD)
This coverage is automatically included and pays for any damage you cause to other motorcycles, vehicles, property (signs, fences, etc.) and even injuries to other riders/drivers. Plus, this can also help you pay for legal expenses if you’re sued.
With this coverage, you don’t get a deductible and instead choose a coverage limit—meaning we will pay up to the limit you select. So you might want to consider higher coverage limits.
This coverage pays for medical bills or injuries you may have while you’re riding, regardless of who is at fault. Similar to liability, you pick a coverage limit.
Total loss coverage for brand new bike
If you’re worried about having a total loss and the cost to buy a brand new bike, then this coverage is for you. You can add this coverage if your sport bike is no more than one model year old. Then, if it’s totaled within three model years, we’ll give you the full amount for a brand new one. For example, let’s say you bought a bike for $18,000 that’s now only worth $10,000. If it’s totaled, you’re probably going to want a brand new bike that likely costs $18,000+. So we’ll give you the full $18,000+ for the new model. That’s an $8,000 difference. If your bike is totaled when it’s outside the three-model year window, you’ll still get the actual cash value for what it’s currently worth.