Do I Need Motorcycle Insurance?

The short and sweet answer is yes. There are over seven million registered motorcycles in America. California has the most—about 801,000. While most motorcyclists are insured, about 15% are not.  Because riding and owning a motorcycle involves so much risk—motorcycles are involved in serious accidents every 14 seconds—having motorcycle insurance can save you financially in case you need it.

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

Coverage Options

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.

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