Motorcycle insurance coverage options with State Farm®
Get protection for your 2- and 3-wheeled bikes (licensed for public road use) at rates that fit your budget.
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What types of motorcycle insurance coverage are right for you?
Most states require riders to have a minimum amount of liability insurance. And if you’re financing your bike, you may be required to have comprehensive and collision coverage as well. What are the most common motorcycle insurance coverages?
Liability coverage
Liability coverage helps pay for damages you cause to other vehicles or property, injuries to other drivers and passengers, and for lawsuits if you're sued due to a covered accident.
Collision coverage
Collision coverage helps pay for repairs if your motorcycle is damaged because you run into something like a car, a tree, a building, or some other object.
Comprehensive coverage
Comprehensive coverage helps offer protection against motorcycle theft and damage from fire, floods, vandalism and more.
Coverage in action
Let’s say you accidentally crash into the back of a car stopped at a traffic light. Motorcycle collision coverage would help cover the repairs to your bike.
Comprehensive and collision coverage from State Farm also includes additional protections
Protective gear and equipment
Helps pay for damage to protective gear such as clothing, helmets and accessories worn to protect against bodily injury. Expenses are limited to $3,000.
Roadside assistance
Emergency roadside expenses includes services like towing and the delivery of gas, oil, battery, or tires. You can also receive up to one hour of labor to repair your motorcycle at the location of its breakdown.
Trip interruption
Helps pay for food, lodging and transportation if you break down more than 50 miles from home and your motorcycle is unrideable.
Add-on options to maximize your coverage and protections
Uninsured motorist coverage
If you're injured in an accident caused by someone who doesn't have enough liability insurance or any at all, uninsured & underinsured motorist coverage helps pay for medical expenses, pain and suffering, and lost wages caused by the owner or driver of an uninsured or underinsured motor vehicle.
Frequently asked questions about motorcycle coverage
Insurance can protect you and your motorcycle in the event of accident or other covered loss. Liability coverage is required in almost every state if the vehicle is licensed for road use. Collision and comprehensive coverage are additional options to be considered. Please contact a State Farm agent to discuss your specific insurance needs.
The policy covers the insured rider (you) and resident relatives for use of a newly acquired bike, temporary substitute bike or non-owned bike. A "resident relative" can include someone who lives with and is related to the named insured or his or her spouse by blood, marriage, or adoption.
Insurance can protect you and your dirt bike in the event of an accident or other covered loss. If your dirt bike is licensed/registered for road use it will be covered through a motorcycle policy. If not licensed/registered for road use, then it would be considered an off-road vehicle and covered by a recreational vehicle policy. Please contact a State Farm agent to discuss your specific insurance needs.
Yes, if comprehensive coverage is purchased with your motorcycle policy.
Other drivers using your motorcycle with your permission may be covered. Talk to an agent for more information about what coverages may apply.
Coverage may apply to your passenger. Talk to an agent for more information about passenger coverage.
In northern states, our motorcycle rating plan takes into account the seasonality of motorcycles, so cancelling your policy in the winter does not provide much benefit. In addition, even though you don’t ride your motorcycle year-round, you may still need insurance to protect it while it’s in storage. Talk to an agent for more information.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for help protecting your motorcycle? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
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Choosing a motorcycle helmetPlease remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, contact your State Farm agent .
State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL
State Farm County Mutual Insurance Company of Texas
Richardson, TX