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Motorcycle Insurance Quotes

Get a Free Motorcycle Insurance Quote to Find Motorcycle Insurance Rates


No matter what type of bike you ride, you need to have the proper motorcycle insurance coverage. Whether you have a scooter, or a custom ride, there is a motorcycle plan just right for you. Visit Geico today to get your FREE, no-obligation quote for motorcycle insurance via their secure website.

Motorcycle insurance is coverage tailored towards bikes. Any bike, from a sport bike, to a cruiser, to a dirt bike, to a custom, requires insurance that is tailored to your needs. While you never plan on needing to use your motorcycle insurance, it is a good feeling to know that the coverage is there in case you need it.

A typical motorcycle insurance policy will include the basics such as comprehensive and collision coverage, as well as liability coverage. Other coverage, such as medical payments and uninsured/underinsured motorist coverage, is generally available and will usually come with a typical bike insurance policy. This part of the policy is very similar to the protection an auto policy provides, so it should be relatively familiar to anyone who has ever bought a policy for a car or truck.

Liability coverage pays out when an insured bike causes bodily injury or property damage to a third party. This means when the insured rider is at-fault in an accident that involves a third party, liability coverage kicks in. Liability coverage is for people not on the bike, which means that if a guest rider is injured, liability does not pay for their medical care. In this case, the medical payments portion of the policy would provide coverage.

The two parts of liability coverage are bodily injury and property damage. Bodily injury pays for damages to a person, while property damage pays out when physical property (other than the insured bike) is damaged. Most states require a minimum amount of liability coverage for motorcycles traveling on public roads, though these coverage limits are generally much lower than most people should carry.

Medical payments coverage pays when people who are riding on the insured bike are injured. This includes the named insured, as well as guests, though some states require passenger coverage to be purchased separately on a motorcycle policy. The medical payments portion of the policy also includes the ability to pay for lost wages, as well as other extended benefits.

Physical damage consists of comprehensive and collision coverage, and applies to damages to the insured bike itself. This is optional coverage as it is not required by states, though if the bike is financed, physical damage will generally be a requirement of obtaining the loan. Comprehensive is coverage for specific named perils, such as fire, theft, vandalism, and various natural disasters. Collision pays for damages to the bike due to a collision with another object.

Accessory coverage is something that is specific to motorcycle insurance, giving you coverage for the accessories associated with your bike. This can include saddlebags, seats, backrests, and chrome pieces. This type of coverage may vary by state, and it is possible you can purchase additional coverage if the standard coverage is not enough.

See the below table for further explanation of typical motorcycle policy coverages, and to see what coverages apply to the bike and rider, and what coverages apply to third parties when the bike is involved in an at-fault accident

Having the right type of motorcycle insurance lets you ride your bike with the comfort knowing both you and it are covered the right way. You need a company that offers the right coverage with affordable rates and is there for you both when you have a question regarding your coverage, as well as if you have to make use of your insurance policy. Geico is the right company for many bike enthusiasts, and may just be the right one for you!

Geico has been insuring motorcycles since 1978 and is a leader in this specialized coverage. Visit Geico today to get your FREE, no-obligation quote for motorcycle insurance and ride with the confidence knowing you have world-class insurance coverage.



Basic Motorcycle Insurance Coverages


First Party Protection* Third Party Protection**
Liability - Coverage for injuries to a third party caused by an insured motorcycle and is broken into two parts - Bodily Injury and Property Damage. (See below for further explanation of each.) Liability limits are often expressed as a series of three numbers. For example, 100/300/50 indicates maximum liability limits of $100,000 for bodily injury to a single person, $300,000 for bodily injury for a single accident, and $50,000 property damage limits per incident. In some states you must purchase separate guest passenger liability protection to cover passengers on your motorcycle that are injured in an accident. no-x checkmark
Bodily Injury - Coverage for third party bodily injuries caused by an insured motorcycle involved in an at-fault accident. Bodily injury coverage applies to people inside vehicles hit by the insured, as well as individuals outside of any vehicle, such as pedestrians. no-x checkmark
Property Damage - Coverage to property owned by a third party that is damaged by an insured motorcycle. Property damage coverage applies to third party vehicles, as well as other types of property (buildings, signs, guardrails, fences, etc.). no-x checkmark
Medical Payments - Coverage for people that are injured while on an insured motorcycle. Medical payments coverage applies to all people riding a covered motorcycle, including the named insured, their family members, and other individuals (some states require coverage for passengers to be purchased separately). Coverage may also extend to insured individuals when they are a pedestrian and are injured by a motor vehicle. Extended benefits, or personal injury protection, may be available that help pay for lost wages, as well as other damages, as outlined in a specific policy. checkmark no-x
Uninsured/Underinsured Motorist - Coverage that applies to an insured person/vehicle when damages are caused by a person without an auto policy, or they have a policy but it doesn't meet state-required liability limits - both of these cases meet the definition of an uninsured motorist. An underinsured motorist is a third party with an auto policy, but the policy liability limits are not enough to cover the damages that they caused. While uninsured/underinsured motorist coverage is optional in most states, it is highly recommended since many people only carry state-required minimum liability limits, which oftentimes is not sufficient coverage. You purchase uninsured/underinsured coverage on your policy, and it pays out when an uninsured/underinsured motorist causes damage to your covered motorcycle. In most cases, uninsured/underinsured limits cannot exceed your liability limits. checkmark no-x
Physical Damage - Coverage for an insured motorcycle itself and is broken into Comprehensive and Collision (see below for further explanation of each coverage). A deductible is associated with physical damage coverage, and is the amount the insured pays for a claim before the insurance company starts paying. Deductibles range from $0 to $1000, or more, with higher deductibles generally resulting in lower policy premiums, as the insured is taking on more of the risk themselves. Rates for comprehensive and collision coverage is partially determined by the motorcycle make and model, as well as claims history for the type of bike. Accessories and custom motorcycle parts are generally covered by the physical damage portion of the policy, up to a certain limit (for example $1,000) with higher limits optionally available. checkmark no-x
Comprehensive - Coverage for damage to an insured motorcycle caused by incidents such as theft, vandalism, fire, wind, water, flood, earthquakes, explosions, and riots. Put simply, comprehensive pays out for covered incidents that don't fall within the collision category (see below). checkmark no-x
Collision - Coverage for damages to an insured motorcycle that are caused when an object is hit (a collision occurs). Collisions with other vehicles, as well as collisions with immobile objects such as signs, lights, trees, structures, etc., are covered by the collision coverage portion of a motorcycle policy. checkmark no-x

* First Party - The persons and motorcycles named on the policy, as well as any other riders of the insured motorcycle (some states require passenger coverage to be purchased separately).

** Third Party - Someone other than the named insured whose property is damaged through the operation of the named insured's covered motorcycle, or who is injured by the named insured's covered motorcycle (but isn't riding the insured motorcycle at the time of the accident).

Note: In a motorcycle insurance policy, the "second party" is the insurance company that issues the policy. This means that the first party (named insured) purchases coverage from a second party (insurance company) to cover damages to a third party, and also to the first party, as explained in the above table.





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