Coverage designed for two wheels.
A motorcycle policy may look familiar to an auto policy, but bike value, custom parts, riding gear, lay-up periods, passenger exposure, towing needs, and settlement options deserve their own discussion.
What to compare
Liability and uninsured motorists
Liability can respond to eligible injuries or damage you cause to others. Uninsured or underinsured motorist coverage may help when the responsible driver has insufficient insurance, subject to state rules.
Physical damage
Collision and comprehensive can protect an eligible motorcycle against covered impact, theft, weather, vandalism, animal strikes, and other listed losses. Review deductibles and the basis used to settle a total loss.
Equipment and roadside needs
- Custom parts, accessories, and permanently attached equipment
- Safety apparel and helmets where offered
- Roadside assistance, towing, and trip interruption
- Passenger liability or guest medical payments
- Coverage for multiple motorcycles, trikes, or touring bikes
Keep the policy current.
Tell your broker about customization, performance changes, storage arrangements, primary use, new riders, and household operators. Those details can affect eligibility and the protection available after a loss.
Content reviewed by Veronica Hicks, licensed insurance broker · NPN 21360893 · Updated July 31, 2026.