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 14, 2021

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If you own a dirtbike, car insurance is not necessarily required, although it may be a good idea to purchase some coverage to protect you for any damage caused to it. It may seem like a dirtbike is the same as a motorcycle, but there are multiple differences. As a result, insurance for a dirtbike will usually be different than insurance for a motorcycle.

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Because it is not required, some dirtbike owners choose not to spend the extra money to insure it.

In the long run, if it is not insured it can cost you a lot more money if it is damaged or stolen.

Dirtbikes are not usually covered under your personal insurance, so it is important to purchase separate coverage if you want to be protected.

Definition of a Dirtbike

A dirtbike may look similar to a motorcycle but there are distinct differences. A dirtbike is considered to be a lightweight motorcycle that is intended to go off-road. In fact, it is illegal to ride a dirtbike on the road, such as a highway or city street.

In order to ride off-road it has enhanced suspension, high ground clearance, and rugged tires. These differences allow it to move easily over rough terrain and unpaved ground. Dirtbikes provide fun for many and have become a popular hobby. Some examples of dirtbikes include Suzuki RM Series, Honda CRF and CR, M/XC Series, and KTM SX.

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Dirtbike vs. Motorcycle Insurance

Just as dirtbikes are considered to be different than motorcycles, the insurance for each differs as well. When you purchase motorcycle insurance, it is meant to cover mishaps and accidents that happen on the road.

Because dirtbikes are not to be used on the road, the purpose of their insurance is different.

Although some insurance companies will cover dirtbikes under a motorcycle policy, others have specific insurance policies meant just for dirtbikes. These policies cover the specific needs of dirtbike owners.

Importance of Dirtbike Insurance

There are times when insurance for dirtbikes and other specialty vehicles is required. This is usually in state, national, and other parks that are considered to be public. If you plan to ride your dirtbike in any of these areas, be prepared to carry some type of insurance for it. Even if you are riding it around private properties or open areas, there are many good reasons to have it insured.

Dirtbikes are popular because they provide thrills and rushes of adrenaline. These are also reasons why they should be insured. Anything that provides that type of rush also has a tendency to crash. This can cause damage not only to the bike itself but also to the body of the rider. Having insurance to protect you from paying for these damages yourself will help you be able to enjoy your hobby for a longer period of time.

Dirtbikes also tend to be the target of thieves. Because they are lightweight, they are easier to lift and carry off.

There are also stories of bikes being stolen out of the trailers they are being transported in. You are not required to register your dirtbike and if you don’t, it is hard to track down if it is taken. For tips on preventing theft, visit the Motorcycle Safety Foundation. Insurance would help cover your loss if it was ever stolen.

Types of Dirtbike Insurance

When deciding on purchasing insurance coverage for your bike there are a number of considerations to mull over. Collision coverage is good to have if there is a likelihood of you hitting fence posts, trees, or other objects. Comprehensive damage will help cover other incidences such as hail or flood damage, vandalism, fire, and theft. Many companies will also offer theft insurance by itself.

Liability insurance is always a good idea, as it will protect you if you cause damage to someone else or their property. This is the type of insurance that is required in many public parks and trails maintained by the state. You can check with the National Association of Insurance Commissioners to see what the requirements are where you live.

If you want full coverage for your dirtbike there are a couple of coverage options available. Custom accessories coverage will help cover damages to your bike, even if you have added additional accessories. When choosing this coverage, include the total cost of your dirtbike, not just what you originally paid for it. If you choose to purchase roadside assistance coverage, you will be protected in the event you are stuck or stranded. It will help cover repairs and/or transportation costs.

Many companies that insure dirtbikes offer options such as agreed value settlement and actual cash value, which is also known as ACV. Some insurance companies offer insurance coverage specifically for motor cross vehicles. Ask your agent as to what the best policy would be for your needs.

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Searching for Dirtbike Insurance

If you are a dirtbike owner and are now convinced that you should purchase insurance for your bike, there are a number of ways you can search for it. If you currently have an insurance policy for your car, the easiest thing to do would be to ask your agent if the company offers insurance for dirtbikes. Often if you have multiple insurance policies with the same company, you will be able to take advantage of discount savings.

If your current insurance company does not offer dirtbike insurance, you can look for it a different way.

If you ride with other dirtbike owners, ask them who they use to insure their bikes and if they are happy with the coverage.

Often this is the best way to find a good insurance policy.

You can also do an Internet search. In the browser, you can do a general search for dirtbike insurance and you will get multiple results that you can search out. As with autos and other types of insurance, you can get free quotes for dirtbike insurance.

Choosing Dirtbike Insurance

Not all insurance companies or policies are the same. You may get a cheap quote from a particular company, but you shouldn’t choose insurance just off price. Once you get a list of quotes, there are a number of ways that you can check the insurance companies out. Find out more here.

One important factor to consider when you are choosing an insurance company is how financially stable it is. You want to choose a company that has enough assets to cover claims, not only now but in the future as well. You also want a provider that is stable enough to stick around for years to come.

Use a company such as A.M. Best, and look up their financial story. Try to choose a company that has an A- rating or higher. That is a sign of a strong and highly regarded company.

You can also choose a company based off the opinions of other consumers. J.D. Power and Associates is a company that compiles surveys that ask consumers what their experience has been with a number of different industries, and insurance is one of them. Check out their website under auto insurance to compare the companies that offer dirtbike insurance.

Contacting the insurance department in your state can also help you make a decision in regards to dirtbike insurance providers. If any complaints have been made against any particular company, the state should have a record of them.

Also, make sure that the company is able to offer you everything you need and want from dirtbike insurance. Once you choose a company to insure your dirtbike through, make sure you take a close look at the fine print on your policy.

Although the general coverage seems to cover the important stuff, some policies will list restrictions and measures that you need to take in order for the coverage to be valid. This may include certain security measures you need to take as well as specific ways you need to store your bike. If you don’t follow the guidelines, your claim may be denied if you ever have to file one.

Price of Dirtbike Insurance

You may think that adding a dirtbike insurance policy to your current insurance repertoire will break the bank. This is usually not the case. Depending on where you live and what your driving history is, you may be able to find a very reasonable dirtbike policy. It pays to get quotes from multiple insurance companies, especially since the quotes are free.

Even if you can’t find cheap dirtbike insurance, weight the positives and negatives of not having it. Consider how much it will cost you if your bike is stolen or damaged, or if you were to be hurt from riding it. Usually a monthly insurance premium is worth what you could save in the long run.

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