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Find out how a motorcycle insurance policy helps protects you, your bike and your passengers.
Our motorcycle insurance will keep you protected and give you year-round peace of mind, whether your bike is on the road or in storage during the winter months. Request a free motorcycle insurance quote and get coverage tailored to your unique riding needs and budget.
Motorcycle insurance helps protect you financially if your motorcycle is damaged, stolen, or involved in an accident. A typical policy may include liability coverage, collision coverage, comprehensive coverage, uninsured and underinsured motorist protection, medical payments, and optional coverages for accessories, custom parts, roadside assistance, and towing.
The exact coverage available depends on your insurance company and the options you choose. An independent insurance agent can help customize a policy that fits your riding habits and budget.
Yes. Virginia requires motorcycle owners to carry liability insurance before operating a motorcycle on public roads. The policy must meet the state's minimum liability requirements, although many riders choose higher limits to better protect themselves and their assets in the event of a serious accident.
If your motorcycle is financed, your lender will typically require you to carry both collision and comprehensive coverage until the loan has been paid off.
Motorcycle insurance is available for a wide variety of bikes, including cruisers, touring motorcycles, sport bikes, adventure motorcycles, dual-sport bikes, standard motorcycles, trikes, scooters, and many custom-built motorcycles.
Whether you ride occasionally on weekends or travel long distances throughout the year, your insurance coverage should reflect how you use your motorcycle.
Yes. Comprehensive coverage typically helps pay to repair or replace your motorcycle if it is stolen or damaged by theft, vandalism, fire, falling objects, or certain weather-related events. Comprehensive coverage is optional unless required by your lender.
Using anti-theft devices and storing your motorcycle in a locked garage may help reduce your insurance premium with some insurance companies.
Many insurance companies offer optional coverage for custom paint, chrome accessories, upgraded exhaust systems, saddlebags, audio equipment, and other aftermarket modifications. Standard policies may include only limited coverage for custom equipment unless additional protection is purchased.
If you've invested in customizing your motorcycle, it's important to discuss those upgrades with your insurance agent.
Insurance companies consider many factors when determining your premium, including your age, riding experience, driving record, claims history, the type and value of your motorcycle, where it's stored, annual mileage, coverage limits, and deductible.
Completing a motorcycle safety course, maintaining a clean driving record, and bundling multiple insurance policies may help reduce your premium.
Liability coverage may help protect you if a passenger is injured in an accident for which you're legally responsible. Some insurance companies also offer optional guest passenger liability coverage or medical payments coverage that provides additional protection for passengers.
If you regularly ride with a passenger, it's a good idea to review your policy to ensure you have adequate coverage.
Uninsured and underinsured motorist coverage helps protect you if you're injured by a driver who has no insurance or not enough insurance to fully pay for your damages. This coverage can help pay medical expenses, lost wages, and other covered damages depending on your policy.
Because motorcyclists are especially vulnerable in accidents, many riders consider this coverage an important part of their insurance protection.
Yes. Many motorcycle owners maintain year-round insurance coverage even when their bikes are stored during the winter months. Continuous coverage helps protect against theft, fire, vandalism, and other covered losses while the motorcycle is not being ridden.
Some insurance companies also offer seasonal premium options that reflect reduced riding during certain times of the year.
You should review your motorcycle insurance policy at least once each year and whenever significant changes occur. Purchasing a new motorcycle, adding custom accessories, moving, changing how often you ride, or improving your driving record may all affect your insurance needs.
An annual policy review helps ensure you have the right protection while taking advantage of any new discounts or coverage options that may be available.
