Personal Motorcycle Insurance 101
Motorcycle Insurance provides coverage for your motorcycle, scooter, ATV, or UTV. It covers for damages to the vehicle as well as financial protection in the event of injury or damages while riding.
Motorcycle Insurance is required in every state if you are riding on legal roads. Just like automobile insurance, most states will require a minimum liability coverage in order for you to legally ride. Also, if you have a loan or lease, you will be required to have physical damage coverage – Comprehensive (Other than Collision) and Collision coverage.
Similar to automobile insurance, most of the coverages are the same and the rate is based generally on the same criteria, including how many years you have been riding.
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