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Motorcycle Insurance - Let us find your best coverage - coverage for riders and their bikes
Motorcycle insurance protects your bike, your gear and your liability on the road. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Motorcycle Quote Request
Applicant Information:
Have these handy
- Year, make, model and VIN / serial number
- Operators' names, dates of birth and experience
- Where the unit is stored
- Rider safety course certificate
Related coverage
Coverage details
What Motorcycle coverage includes
Motorcycle insurance covers your bike, your gear and your liability on the road. Riders face higher injury risk than drivers, so medical and uninsured motorist coverage matter more on a bike than in a car. We compare carriers that specialize in motorcycles, from cruisers and sport bikes to touring and custom builds, including lay-up options for the off-season.
- Liability - Injuries and property damage you cause to others.
- Physical damage - Collision, fire, theft and vandalism to your unit.
- Uninsured motorist - Your injuries caused by an uninsured driver.
- Accessories and gear - Custom parts, gear and equipment.
- Towing and roadside - Help when you break down.
- Seasonal lay-up - Reduce coverage during the months the bike is stored.
- Passenger liability - Injuries to a passenger riding with you.
Good to know: rider safety courses, anti-theft devices and multi-bike policies earn discounts.
Not covered: racing and track days unless endorsed, and wear and tear.
Insurance Application:
Motorcycle
Required forms
Motorcycle Supplemental Application (PDF)
Related supplements (add any that apply)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Motorcycle insurance explained
How motorcycle insurance works
A motorcycle policy works much like auto insurance, with added protection for riders and custom equipment.
Liability
Injuries and property damage you cause to others. Required in nearly every state.
Collision and comprehensive
Damage to your bike from a crash, theft, fire, vandalism or weather.
Uninsured motorist
Your injuries when an at-fault driver has little or no insurance.
Medical payments
Medical bills for you and your passenger.
Custom parts and gear
Aftermarket parts, helmets, jackets and riding gear.
Towing and roadside
Towing and trip interruption when you break down.
Choose agreed value for custom bikes. If your bike is customized or collectible, agreed value coverage pays the amount you agree on up front rather than a depreciated value.
Pricing
What affects your motorcycle rate
Rating factors
- Bike type, engine size and value
- Rider age, experience and driving record
- Where the bike is garaged
- Annual mileage and how you ride
- Coverage limits and deductibles
Discounts to ask about
- Completed rider safety course
- Multiple bikes on one policy
- Bundling with auto or home
- Anti-theft devices
- Riding association membership
- Paying in full
Protect yourself beyond your limits. A serious crash can exceed your liability limits. A personal umbrella can sit over your motorcycle policy.
Ride options
Find the right coverage for your ride
Start with the motorcycle application, then add any supplement that fits.
Two wheels and off-road
Related coverage
This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.