Motorcycle insurance is designed for motorcycles and their riders. Depending on the policy, coverage may include liability, physical damage, uninsured motorist protection, medical-related coverage, roadside assistance, and other selected options.

Motorcycle insurance requirements vary by state, registration, motorcycle type, and applicable financial-responsibility laws. Financing agreements may also require additional coverage.

Liability coverage may help when you are legally responsible for covered bodily injury or property damage to another person. Limits and requirements vary by state and policy.

Liability coverage generally protects against your responsibility to others. Collision or comprehensive coverage may be needed to protect your motorcycle from qualifying physical damage.

Collision coverage may help repair or compensate for qualifying covered damage to your insured motorcycle after a collision, subject to the deductible, limits, valuation provisions, and policy terms.

Comprehensive coverage may help after qualifying non-collision losses such as theft, fire, vandalism, hail, falling objects, and certain other covered events.

Qualifying motorcycle theft may be covered when comprehensive coverage applies, subject to the policy deductible, valuation method, exclusions, conditions, and claim requirements.

Depending on state law and policy terms, uninsured motorist coverage may provide protection after a qualifying accident caused by a driver who does not have insurance.

Underinsured motorist coverage may become relevant when an at-fault driver has insurance but their available liability limits are insufficient for a qualifying covered loss.

Some motorcycle policies may include limited custom-parts coverage or offer additional protection. Significant aftermarket equipment should be disclosed and documented so available options can be reviewed.

Passenger-related coverage varies considerably by state, insurance company, and policy. Tell the agency if you regularly carry passengers so available coverage can be reviewed.

A lender commonly requires physical-damage coverage while it has a financial interest in the motorcycle. Review your financing agreement for specific requirements and provide the lender information when applicable.

Possibly. Eligibility and pricing may depend on the motorcycle model, engine size, rider age, experience, driving history, location, selected coverage, and insurance company guidelines.

Qualifying motor scooters may have motorcycle insurance options depending on engine size, registration requirements, licensing, state law, and insurance company eligibility.

Multi-motorcycle options may be available depending on the insurance company, motorcycles, household drivers, location, and eligibility. Each motorcycle should be accurately listed and valued.

Storage location can matter. The insurance company may consider where the motorcycle is principally garaged and whether it is stored in a garage, driveway, parking facility, apartment complex, or another location.

Roadside assistance may be available depending on the insurance company and policy. Benefits may include qualifying towing and other roadside services subject to program terms.

Driver and permissive-use rules vary by policy and insurance company. Regular operators should be disclosed when applying for or updating motorcycle coverage.

Standard motorcycle insurance may exclude racing, speed contests, track use, or similar activities. Specialized coverage may be necessary if available.

Delivery or business use should be disclosed. Personal motorcycle insurance should not be assumed to cover commercial delivery activity.

Pricing may depend on motorcycle type, engine size, motorcycle value, rider age and experience, driving history, location, annual mileage, use, coverage limits, deductibles, custom equipment, prior claims, and insurance company guidelines.