Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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UPDATED: Jul 15, 2021

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Important facts to know...

  • Drivers are classified into four different categories in the insurance world: standard drivers, non-standard drivers, preferred drivers, and fourth category drivers
  • Collision coverage caters for repairs on your bike after an accident
  • Medical (MedPay) coverage settles your medical expenses and for your passengers in case of an accident

Most motorcycle drivers are typically dangerous drivers and recognized as high-risk drivers by car insurance providers. These sorts of drivers sometimes pay three times more the cost of a standard car bike insurance coverage.

Insurance companies offer different rates for high–risk drivers, so it’s wise to shop around and compare auto insurance for bikers to help you purchase a flexible policy.

Car/biker’s insurance coverage is available as a stand-alone policy or as an endorsement policy. The compulsory least liability limits for motorcyclist coverage are similar to the automobiles requirements in most states.

Start comparison shopping today for better auto insurance rates for your motorcycle! Enter your ZIP code above to begin!

Motorcycle Insurance Risk Profile

Before any insurance provider sells you car bike insurance, they must check the following details:

  • Driving record
  • Claims history
  • Credit history

The Insurance Information Institute (III) classifies drivers into the following classes:

  • Preferred Drivers – Show outstanding driving reports, excellent credit, and purchase higher insurance limits.
  • Standard Drivers – official drivers with good driving records and regular credit.
  • Nonstandard Drivers – Inexperienced drivers with many tickets and accidents or careless driving history (high-risk drivers).
  • Fourth category – Drivers who can’t prove to any motor insurance to sell them a car bike insurance policy. This driver can still obtain car bike insurance through the assigned risk group, but they must prove repeated rejection by car insurance providers and qualify as factors that can increase your car insurance rates.

If one company turns you down for auto insurance, keep shopping with the best auto insurers to compare quotes. Insurers use insurance points associated with a range of traffic, accidents, violations and claims reports.

The more unyielding the offense, the more points assigned.

A motorcycle insurance policy encompasses several types of coverage. Depending on your state, some are mandatory and some are optional. They are:

  • Property damage liability
  • Bodily injury liability
  • Personal Injury Protection (PIP)
  • Medical Payments (Med Pay)
  • Comprehensive
  • Collision
  • Uninsured (UM) or Underinsured motorists’ policy (UIM)
  • Roadside assistance(extras)

Full motorcycle coverage means having comprehensive, liability, and collision coverage.

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Bike Insurance Coverage Type Details

Liability coverage caters for the damage caused to other motorists.

Liability coverage is written in three numbers, such as 30/50/20. That ratio interprets to $30,000 bodily injury coverage per individual, $50,000 bodily injury coverage for every accident and $20,000 for property -damage coverage for every accident.

Liability also includes legal bills if the insured causes an accident and has no deductible.

Bodily injury liability pays for third party medical bills including lost wages when you cause accident excluding the “no-fault” status, where your Personal Injury Protection (PIP) cover pays for your accidental injuries.

Property damage liability pays for repairs or replaces destroyed cars/bikes or assets that were irreparably damaged in the event of an accident.

Several states offer minimum limits of car insurance to motorists, but these are awfully insufficient.

Look at this scenario: If you cause an accident with damage costs of say $55,000 and your insurance value is $50,000, it means you have to foot for the outstanding $5,000 or incur legal charges for the same should you fail to pay.

– Collision and Comprehensive Insurance

Collision coverage pays for your car/bike repairs as a result of an accident.

The accident claim check reduces by the amount of the accident deductible.

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If the total repair costs exceed 70 percent of the value of your car/bike, it is declared totaled the insurance company is obligated to tow away the damaged vehicle car to a salvage yard and compensate you the cash value of your car/bike, less the deductible.

To keep your insurance costs low with the collision coverage, you can increase your insurance deductible too. But, you’re obligated to pay the extra premium out of your pocket.

Comprehensive coverage pays for car/bike damages caused by external factors such as:

Some states provide glass repairs or replacement at no extra costs. Ask your local insurance agent about the specs when purchasing your motor policy.

Collision/comprehensive is not a compulsory insurance in any state, but it is essential to buy the coverage to protect your vehicle investment.

– Personal Injury Protection and Medical Payments

Medical (MedPay) coverage caters for the medical expenses incurred by the driver and his passengers after a car accident.

MedPay also covers for injuries incurred while driving a third party vehicle or if an oncoming vehicle hits you from either side.

Lastly, MedPay covers the costs regardless of who caused the accident but, your insurer may seek third party damages if you didn’t cause the accident.

Personal Injury Protection pays for lost wages and medical expenses for all parties involved in the accident including funeral costs in the event of death as a result of a motor accident. PIP is a requirement in 16 states.

Consider the Factors

There are several factors involved in providing you with coverage, including:

  • Residential address
  • Comprehensive driving record
  • Credit Score (not compulsory)
  • Past Insurance claims
  • Vehicle/bike model
  • Your annual mileage

Never Drive without Coverage

Bikers who travel on highways or public roads require an insurance policy that meets their individual needs and the State’s requirements, according to Insurance Information Institute. Besides offering you financial protection, car bike insurance is a social liability.

Driving without car insurance or failing to pay for damages caused in the event of an accident puts other motorists at financial risk.

If you are looking to insure your motorcycle, insurance quotes and prices are available from numerous insurance providers across all states.

Check through your local insurance agencies or insurance sites.

You can also try our FREE online quote tool to compare motorcycle insurance rates. Enter your ZIP code below to get started!