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Motorcycle Insurance Laws by State

No one ever plans on being in an accident, but when you're on a motorcycle, the risk of injury or even death is greatly increased. That's why it's important to have the proper insurance coverage in place before you hit the open road.

Riders involved in accidents can often face serious financial hardship, even if they were not at fault. However, with the right motorcycle policy, you can be protected from these costs and ensure that your finances are not ruined by the crash.


Were you involved in a motorcycle accident caused by someone else's negligence? If so, the personal injury attorneys at Rosenfeld Injury Lawyers, LLC are legal advocates for those harmed by another's mistakes.

Call our motorcycle accident attorneys at (888) 424-5757 (toll-free phone number) or use the contact form today for immediate legal advice and schedule a free consultation. All confidential or sensitive information you share with our legal team remains private through an attorney-client relationship.

Motorcycle Insurance Coverage and Benefits

Every state, with the exception of Florida, requires motorcycle riders to carry specialized insurance.

Although a rider's primary focus should be on the road and their motorbike, they must think about riding safely. To protect yourself from harm, you must always have adequate coverage for your vehicle.

Motorcycle insurance is a crucial component to protect yourself on the road. The insurance covers repairs, replacement costs, medical bills for anyone injured in an accident, and even the expense to repair or replace any property damaged in an accident.

Comprehensive coverage offers a wide range of protection against various risks, including third-party liability, bodily injury, and damage to the motorbike. Additionally, it covers legal expenses if involved in an accident.

Liability the Coverage Comprehensive and Collision Coverage

If the police or accident investigators determine that you caused the accident, harming another person or their property, your property damage liability insurance will cover repairs, ongoing expenses, and other bills.

Typically, insurance companies will offer an array of motorcycle liability insurance coverage levels with limits ranging from minimal state motorcycle insurance requirements to more expensive policies with additional benefits.

Carrying higher coverage is especially beneficial to motorcycles who commute in urban areas that tend to have a higher accident rate.

Guest Passenger Liability Coverage

Any passenger riding on the back of your motorcycle is placing themselves at risk of severe harm or death. Without proper insurance liability coverage options, they can also be financially at risk in the event of a crash.

Many motorcycle owners carry guest passenger insurance that will pay benefits for all medical costs and care for the injured passenger's injuries. This coverage helps the passenger avoid financial problems up to the liability limits if an accident occurs.

Personal Injury Protection (PIP) Coverage and Medical Payments

Adding Personal Injury Protection coverage to an existing motorcycle insurance policy provides additional benefits to help the injured party remain financially stable in the event of severe personal injuries.

PIP is optional coverage for motorcycle riders that provides financial compensation to assist in paying for child care, recouping lost wages, and other expenses while the victim heals.

Uninsured / Underinsured Motorist Coverage

An Insurance Information Institute report indicates that approximately 13% of all motorists throughout the United States fail to maintain car insurance coverage. This uninsured coverage data shows that one out of every five motorists on the road is placing the remaining 80% at risk of nonpayment in the event of an accident.

For ultimate protection, every driver should carry uninsured motorist coverage and underinsured motorist coverage to be compensated for any medical bills, lost wages, or other damages when involved in a crash with an underinsured or uninsured driver.

The best motorcycle insurance companies offer UMPD (uninsured motorist/property damage coverages) in a few states that compensate others involved in a crash who do not carry collision insurance coverage in their motorcycle insurance policy.

Comprehensive and Collision Coverage

Maintaining property damage coverage in a motorcycle insurance policy can help recoup the cost of repair or replacement of damaged property belonging to others involved in the collision. However, the coverage does not financially compensate you or any of your damaged property.

Instead, collision insurance coverage pays for the cost of repairing or replacing your damaged motorcycle involved in an accident.

Comprehensive insurance provides financial compensation if damage to your bike occurred and in the event that was not an accident. These events could include having the bike stolen, or damaged during a storm, flood, or fire.

Towing and Roadside Insurance

Finding yourself stranded after your bike breaks down can create a dangerous scenario, especially if you are alongside a busy interstate or dark rural area. You may find that you are many miles away from the closest repair shop and must have your motorcycle towed for repairs.

Roadside assistance coverage options are a financially responsible add-on on an insurance policy that pays for itself in one incident of being stranded on an old or new motorcycle. Payment for such coverage is added to the motorcycle insurance premium.

Minimum Insurance Limits: State by State

While nearly every state requires every motorcycle rider to carry insurance, the minimum policy liability limits vary between each state. Every motorcycle insurance company will offer a minimum requirement for bodily injury coverage and property damage liability based on state minimum liability laws.

What Is the Motorcycle Insurance Required?

Most states do not allow self-insurance to meet motorcycle insurance requirements. Every motorcyclist is required to carry at least the minimum bodily injury and property damage motorcycle insurance.

Nearly every state requires a minimum of $25,000 of bodily injury liability protection per person harmed in the accident up to $50,000 per accident.

In addition, most states require a minimal amount of $10,000 in property damage liability coverage. In this particular scenario, we display the minimums of bodily injury and property motorcycle insurance requirements as $25,000/$50,000/$10,000 below.

Florida(Insurance not required)
New Hampshire$25,000/$50,000/$25,000
New Jersey$15,000/$30,000/$5,000
New Mexico$25,000/$50,000/$10,000
New York$25,000/$50,000/$10,000
North Carolina$30,000/$60,000/$25,000
North Dakota$25,000/$50,000/$25,000
Rhode Island$25,000/$50,000/$25,000
South Carolina$25,000/$50,000/$25,000
South Dakota$25,000/$50,000/$25,000
Washington D.C.$25,000/$50,000/$10,000
West Virginia$25,000/$50,000/$25,000

Leading Companies Selling Motorcycle Insurance Policies in the United States

Bikers can purchase motorcycle insurance from many of the nation's top insurance companies online or through local agencies. These motorcycle insurance companies offer a variety of policies with different deductibles, coverage levels, and prices to meet the unique needs of every rider.

Some of the most popular motorcycle insurance companies in the United States are:

  • Allstate
  • Geico
  • Liberty Mutual
  • Nationwide
  • Progressive
  • State Farm
  • USAA

What Is Not Covered Under a Motorcycle Insurance Policy?

Most standard motorcycle insurance policies will not cover certain types of damage. The most common type of excluded damage is that which occurs during a racing event or competition.

Additionally, many policies exclude any intentional damage that was done on purpose by the policyholder. If the rider is found to be under the influence of drugs or alcohol at the time of the accident, the insurer may also choose to deny coverage.

Finally, many policies have a limited amount of money that is paid out for custom equipment or modifications made to the bike. It is important to check with your insurance company about how much money is set aside for these types of damages before making any changes to your motorcycle.

An insurance liability policy is a contract between the policyholder and the insurance company. It is important to understand what is included in the agreement before signing on the dotted line.

Motorcycle Insurance FAQs

Our accident injury law firm understands that many families have unanswered questions about motorcycle insurance and property damage coverage or how to file a claim after a collision. A motorcycle accident attorney has answered some of those questions below.

Call our law office at (888) 424-5757 (toll-free phone number) or use the contact form for additional information.

What Is My Financial Responsibility If I Do Not Have Motorcycle Insurance?

If you are involved in a collision and do not have motorcycle insurance, you may be held responsible for any damages that occur.

Your financial responsibility could include damage to the other vehicle involved in the accident, as well as any medical bills or property damage incurred by others.

How Much Will My Motorcycle Insurance Costs?

Your motorcycle insurance costs will depend on a number of factors, including the make and model of your bike, your driving history, and the amount of coverage you choose.

You can get a quote from any insurer to see how much your policy would cost. Additionally, you can use our motorcycle insurance calculator to estimate your costs.

What Are the Motorcycle Insurance Requirements If I Am Riding Off-Road?

There are no specific requirements for motorcycle insurance if you are riding off-road. However, it is important to check with your insurance company to make sure you are fully covered in case of an accident.

Typically, your insurance company will not cover damages that occur while riding off-road.

How Do I File a Claim If Someone Else Was Responsible for Causing My Accident?

All states require every driver operating a motor vehicle to carry liability insurance that covers bodily injury and property damage. After the accident, you should contact your motorcycle insurance company to discuss filing a claim against the person at fault for causing the accident.

Typically, a claims adjuster working for the defendant's insurance company will contact the victim and handle the case. The adjuster's goal is to successfully complete the claim as quickly as possible.

Unfortunately, the adjuster will likely minimize the value of the claim instead of maximizing compensation based on what the policycoverage pays. Often, motorcycle riders receive insufficient funds to pay for all of their medical expenses and other damages.

It is usually best to speak with an accident injury lawyer before agreeing to any settlement to resolve the claim. An attorney working on behalf of the victim can prove financial responsibility to ensure that the person injured in the accident receives the compensation they deserve paid by the defendant’s liability insurance.

What Are the Minimum Motorcycle Insurance Requirements?

Each state, except Florida, has its own minimum requirements of necessary motorcycle insurance to operate a motorized bike, moped, or motorcycle.

Many insurance companies offer optional coverages and higher policy limits for those who want to be fully protected. Motorcycle policies can be added to the existing insurance liability coverage of one or more motor vehicles.

Hire a Motorcycle Accident Attorney to Resolve a Compensation Claim

Are you the victim of a motorcycle crash that was not your fault? Our accident attorneys are legal advocates for all motorcycle riders who have been injured due to negligent or reckless actions of others.

Contact us today at (888) 424-5757 (toll-free phone number) or use the contact form to schedule a free case evaluation. We accept all cases on contingency, meaning that no upfront fees are paid until we resolve your claim.


Client Reviews
Jonathan Rosenfeld was professionally objective, timely, and knowledgeable. Also, his advice was extremely effective regarding my case. In addition, Jonathan was understanding and patient pertaining to any of my questions or concerns. I was very happy with the end result and I highly recommend Jonathan Rosenfeld. Michonne Proulx
Extremely impressed with this law firm. They took control of a bad motorcycle crash that left my uncle seriously injured. Without any guarantee of a financial recovery, they went out and hired accident investigators and engineers to help prove how the accident happened. I am grateful that they worked on a contingency fee basis as there was no way we could have paid for these services on our own. Ethan Armstrong
This lawyer really helped me get compensation for my motorcycle accident case. I know there is no way that I could have gotten anywhere near the amount that Mr. Rosenfeld was able to get to settle my case. Thank you. Daniel Kaim
Jonathan helped my family heal and get compensation after our child was suffered a life threatening injury at daycare. He was sympathetic and in constant contact with us letting us know all he knew every step of the way. We were so blessed to find Jonathan! Giulia
Jonathan did a great job helping my family navigate through a lengthy lawsuit involving my grandmother's death in a nursing home. Through every step of the case, Jonathan kept my family informed of the progression of the case. Although our case eventually settled at a mediation, I really was impressed at how well prepared Jonathan was to take the case to trial. Lisa