Personal & household line

Motorcycle insurance

InsuranceFinder coverage guide · Updated September 2026

Motorcycle insurance covers street bikes, cruisers, sport bikes, and scooters for rider liability, passenger liability, collision, and theft. It does not cover off-road racing or track day events unless specialized coverage is arranged.

Motorcycle coverage breakdown: liability, physical damage & extras

A typical motorcycle policy covers liability if you injure someone or damage their property, plus optional coverage for the bike itself. Requirements and available options vary by state and insurer.

1. Liability

Pays for covered bodily injury and property damage you cause to others while operating the motorcycle, subject to policy limits. Many states require minimum liability to ride legally.

2. Collision

Pays to repair or replace your motorcycle after a covered collision with another vehicle or object, subject to your deductible and limits.

3. Comprehensive

Pays for covered non-collision losses such as theft, vandalism, fire, or certain weather-related damage, subject to your deductible and the form.

4. Optional extras

May include uninsured / underinsured motorist, medical payments, roadside assistance, or accessory / custom-parts coverage when offered and purchased. Read the form for what is included.

Important motorcycle exclusions to know:

A standard motorcycle policy usually does not cover racing or track use, business delivery use without the right endorsement, or wear-and-tear / mechanical failure. Some forms limit coverage for modified bikes, borrowed bikes, or operators not listed on the policy. Always read the policy form and any endorsements.

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Who typically uses motorcycle insurance

Motorcycle insurance is typically carried by people who own or regularly ride a street motorcycle, scooter, or similar bike. Most states require at least minimum liability coverage to operate on public roads. When a bike is financed, the lender often requires collision and comprehensive until the loan is paid off. Off-road-only machines may need a different product than a standard street motorcycle policy.