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Buy motorcycle insurance with SelectQuote and protect what matters to you.
From collision and theft protection to personal injury coverage and roadside assistance, it’s essential to keep your motorcycle covered. At SelectQuote, we’ll cater to all types of riders, whether you're a weekend enthusiast or a daily commuter. Save money with multi-policy discounts and enjoy customizable options to fit your unique needs.
Motorcycle Insurance
Riding the open road on your motorcycle is an exhilarating experience, but it comes with its own set of risks and responsibilities. That's where SelectQuote's experienced licensed insurance agents come in, offering you not just peace of mind but also significant savings. By leveraging our ability to bundle coverage options, we help you save both time and money while ensuring you're fully protected for your two-wheeled adventures. Unlike standard auto insurance, our tailored motorcycle coverage addresses the unique challenges and vulnerabilities riders face, all while streamlining the process for you.From protecting your prized bike against theft and damage to safeguarding you financially in case of accidents, comprehensive motorcycle insurance is an essential companion for every rider. It not only meets legal requirements but also provides crucial financial protection against medical expenses, property damage, and potential lawsuits. With customizable options to fit various riding styles and budgets, motorcycle insurance ensures that you're covered in situations ranging from minor scrapes to major collisions.What is motorcycle insurance?
Motorcycle insurance is a specialized form of coverage designed to protect both riders and their bikes from financial losses associated with accidents, theft, and other unforeseen events. At its core, it's a contract between you and an insurance company that provides financial protection in exchange for regular premium payments.Many policies also offer additional options like roadside assistance, custom parts coverage, and gear protection. The extent of coverage can be tailored to your specific needs, riding habits, and budget. Motorcycle insurance isn't just a legal requirement in most states, it's a crucial safeguard that allows riders to hit the road with confidence, knowing they're protected against the financial implications of unexpected events.How much does motorcycle insurance cost?
Motorcycle insurance generally costs less than standard auto insurance coverage, but this isn't always the case. Here’s a look at some of the factors that can influence the cost of your policy:- Riding Experience: More experienced riders often enjoy lower premiums due to their perceived lower risk.
- Type of Motorcycle: Sportbikes and high-performance motorcycles typically cost more to insure than cruisers or standard bikes.
- Age and Location: Due to increased risk factors, younger riders and those in urban areas may face higher premiums.
- Driving Record: A clean driving history can lead to significant discounts on your insurance.
- Coverage Limits: Higher coverage limits will increase your premium but provide more protection.
- Deductible Amount: Opting for a higher deductible can lower your monthly premium but increase out-of-pocket expenses in case of a claim.
- Usage: How often and for what purpose you ride (commuting, leisure, etc.) can affect your premium.
- Safety features: Anti-lock brakes, anti-theft devices, and other safety features can lead to discounts.
- Combining Policies: Bundling your motorcycle insurance with other policies (like auto or home) often results in multi-policy discounts.
- Seasonal Usage: Some insurers offer lower rates for riders who only use their bikes seasonally.
What does motorcycle insurance cover?
Motorcycle insurance typically offers a range of coverage options to protect both the rider and their bike. At its core, most policies include liability coverage, which is often mandatory in many states. This covers bodily injury and property damage you may cause to others in an accident. It's important to note that liability coverage does not protect you or your motorcycle.For more comprehensive protection, riders can opt for additional coverages. Collision coverage pays for damage to your motorcycle from accidents with other vehicles or objects, regardless of fault. Comprehensive coverage protects against non-collision-related incidents such as theft, vandalism, or natural disasters. Many insurers also offer specialized coverages like personal injury protection (which covers medical expenses for you and your passengers), uninsured/underinsured motorist coverage (protecting you if you're hit by a driver with insufficient insurance), and custom parts coverage for those who have modified their bikes. Some policies even include roadside assistance and trip interruption coverage, providing peace of mind during long rides.Covered by Motorcycle Insurance | Not Covered by Motorcycle Insurance |
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Covered by Motorcycle Insurance
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Personal injury protection
- Uninsured/underinsured motorist coverage
Not Covered by Motorcycle Insurance
- Wear and tear
- Mechanical failures
- Intentional damage
- Off-road stunts or racing
- Unauthorized modifications
Motorcycle Insurance FAQ
Here are some frequently asked questions about motorcycle insurance:What damage is excluded from motorcycle insurance?
While motorcycle insurance provides crucial protection, it's essential to understand its limitations. Standard policies typically exclude several types of damage or scenarios:
- Normal Wear and Tear: Gradual deterioration of your motorcycle's components due to regular use is not covered.
- Mechanical Failures: Breakdowns or repairs resulting from poor maintenance or manufacturing defects are usually excluded.
- Intentional Damage: Any harm you deliberately cause to your own motorcycle is not covered.
- Racing or Stunts: Damage incurred during organized racing events or while performing stunts is typically excluded.
- Off-Road Use: Many policies don't cover damage sustained while riding off designated roads or trails.
- Unauthorized Modifications: Damage related to non-standard parts or modifications may be excluded if not disclosed to the insurer.
- Personal Belongings: Items stored on or with the motorcycle, such as helmets or riding gear, are often not covered under the basic policy.
- Cosmetic Damage: Minor scratches or dents that don't affect the motorcycle's performance may not be covered.
- Acts of War or Nuclear Incidents: Damage resulting from these extreme scenarios is typically excluded.
How do I purchase motorcycle insurance?
If you’re interested in finding an insurance policy for your motorcycle, it’s important to consider all your options, so you’ll want to compare policies and costs from several insurance companies. Partnering with an insurance brokerage like SelectQuote can help you save time and money by quickly comparing rates from several of the nation’s most highly trusted carriers—all in one place.
Shop for motorcycle insurance and save with SelectQuote.
Riders can take control of their motorcycle coverage by shopping smart with SelectQuote. Our experienced agents specialize in comparing policies from multiple top-rated insurers, ensuring you get comprehensive protection tailored to your specific needs. We'll help you understand the fine print, identify potential coverage gaps, and find the best rates available. With SelectQuote, you can ride with confidence. Our experienced licensed insurance agents at SelectQuote can also help you save by bundling your coverage with other policies, like auto or home insurance.We do the shopping. You do the saving.
