Motorcycle insurance quotes

Motorcycle insurance helps protect you and your motorcycle if you're in an accident. In general, motorcycle insurance can help pay for damages and/or injuries you may cause due to an at-fault accident. These Liability Coverages are required in most states, but the amount needed can vary.

You can also get Collision Coverage to help pay for damage to your motorcycle from hitting another vehicle or object. See how much you could save on motorcycle insurance with Liberty Mutual when you get a customized policy, so you only pay for what you need.

Just like car insurance, the value of your motorcycle can impact the cost of your insurance. If you ride a more expensive bike, you can expect your cost to be a bit higher compared to a less expensive one.

Motorcycle insurance is normally cheaper than auto insurance. A typical motorcycle policy costs about $33 per month or $400 per year.⁹ The amount you pay for a motorcycle policy is based on many factors including

• Location
• Driving history
• Features of your bike

Yes, in most states you're required to have motorcycle insurance to legally drive your bike on the road. These requirements normally follow the same coverage and limits required for auto insurance and vary by state. In most cases, you'll need at least

• Bodily Injury Liability
• Property Damage Liability

You can check your state's coverage requirements on our state pages for more info.

At Liberty Mutual, we insure a wide range of motorcycle sizes and types. From cruisers to tour-sport bikes we've got you covered.

• Cruisers like the Harley-Davidson Fat Bob or the Indian Chief
• Tour and tour-sport bikes like the Honda Goldwing and the Kawasaki Voyager
• Sport and super-sport bikes like the Honda CBR and the Suzuki GSXR
• Dual, off-road and dirt bikes, scooters, and mopeds

When comparing motorcycle insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best motorcycle insurance or the cheapest motorcycle insurance. That's because there are common coverages most states require like

• Personal Liability
• Bodily Injury Liability to others

There are also recommended coverages based on the state you live in.

Tips for comparing motorcycle insurance quotes

• Compare coverages and make sure the options meet your needs
• Choose the same deductibles because they can affect your quote prices
• Optional coverages can affect your price like Better Bike Replacement™

When comparing motorcycle insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make motorcycle insurance easy. Our fast and easy quotes let you customize your motorcycle coverages so you only pay for what you need.

At Liberty Mutual you'll also get our free and easy to use mobile app that lets you

• Manage your policy
• Make a payment
• Update preferences
• File a claim anywhere, any time

These are just a few ways Liberty Mutual helps make motorcycle insurance easy.

Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.

Yes, motorcycle insurance can help cover you if your bike is stolen, if you have the right coverage. Most policies handle theft through Comprehensive Coverage.

For injuries to yourself, you need to add medical coverage. This is either Med Pay or PIP depending on the state you live in. These optional coverages can help you pay for medical bills if you're injured in an accident regardless of fault.

No, a motorcycle license isn't required to get motorcycle insurance. That being said, most insurance companies will require it, and most states require a motorcycle license depending on bike type. You'll want to shop around to find out what works best for you.