How Much Coverage Do I Need?
That all depends on where you live. Most states require that your motorcycle insurance is equal to your state’s car insurance minimums. For example, if you are driving a motorcycle in California, your policy would need to include the following:
- $15K in liability coverage per person
- $30K in liability coverage per accident
- $5K in property damage
To see how much motorcycle insurance you should include in your policy, see how much is required in your state for car insurance.
Auto Insurance Requirements
To protect yourself from any financial hardships that may arise if you crash your motorcycle, these are popular coverages to consider. Depending on your states requirements, you may already have bodily and property liability coverage.
- Bodily and property damage liability–helps cover medical expenses, lost wages, and costs associated to buildings, other motorcycles, and more.
- Comprehensive and collision coverage–protects you from the financial stress of having to repair or replace your motorcycle if its damaged or stolen.
- Uninsured/underinsured motorist–covers you if you are in an incident with another rider who doesn’t have insurance, or doesn’t have enough insurance.