Motorcycle Insurance — How to Stay Protected on the Road

​Learn the essentials of motorcycle insurance, including coverage types, add-ons like roadside assistance, and how to stay fully protected on the road.

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The Freedom of the Open Road Comes with Responsibility
Riding a motorcycle offers unmatched freedom, but it also comes with higher risks than driving a car. According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists are 24 times more likely to die in a crash than passenger car occupants per mile traveled. That’s why the right motorcycle insurance coverage isn’t just smart—it’s essential.

What Does Motorcycle Insurance Typically Cover?
Motorcycle insurance functions similarly to auto insurance but includes coverages tailored to two-wheel vehicles. Here's a breakdown of essential coverage options:

• Liability Coverage: Required by most states, it covers bodily injury and property damage if you’re at fault in an accident.
• Collision Coverage: Pays for damage to your bike regardless of who is at fault.
• Comprehensive Coverage: Covers non-collision damage such as theft, vandalism, hail, or a fallen tree.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with little or no insurance.
• Medical Payments/Personal Injury Protection (PIP): Helps cover medical expenses for you and your passenger.

Add-Ons That Offer Extra Protection
Many carriers offer optional add-ons for riders looking to maximize their protection:

• Custom Parts & Equipment Coverage: Covers aftermarket modifications like chrome accessories, custom paint, and saddlebags.
• Roadside Assistance: Progressive, Allstate, and Safeco all offer motorcycle-specific roadside assistance, which can be a lifesaver during a breakdown.
• Trip Interruption Coverage: Helps with lodging and transportation costs if you break down far from home.
• Total Loss Replacement: Offers new bike replacement for totaled bikes within the first few model years.

Carrier Spotlight: How Progressive, Safeco, and Allstate Compare

• Progressive: Known for flexible coverage and discounts, including multi-policy bundling, safe rider discounts, and coverage for custom parts up to $3,000.
• Safeco (a Liberty Mutual company): Offers Harley-Davidson-friendly policies and safety apparel coverage.
• Allstate: Includes coverage for full-value custom accessories and accident forgiveness options.

How Much Does Motorcycle Insurance Cost?
Rates vary based on the type of bike, your age, driving history, and location. A sport bike will cost more to insure than a standard cruiser due to higher accident rates. 
You can lower your premium by:

• Taking a motorcycle safety course
• Bundling with home or auto policies
• Maintaining a clean driving record
• Storing your bike in a secure garage

State Requirements and Considerations
Each state has its own minimum insurance requirements for motorcycles. In Texas, for example, riders must carry a minimum of $30,000 for bodily injury per person and $25,000 for property damage. However, minimums rarely offer sufficient coverage in serious accidents.

Final Thoughts
Whether you're riding to work or cruising down the coast, proper motorcycle insurance gives you peace of mind. Speak with an independent agent at Corin Insurance to compare quotes from trusted carriers like Progressive, Safeco, and Allstate.

Disclaimer: Coverage options, availability, and pricing vary by carrier and location. This article is intended for general informational purposes only and does not constitute legal or insurance advice. Always consult with a licensed insurance agent to determine the best coverage for your needs.