Motorcycle Insurance for Every Rider.

Personal Insurance › Motorcycle Insurance

Whether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we’ll do the rest. We offer competitive prices plus convenient payment plans, and we’ll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn it around.

And no doubt you’ll qualify for some of our discounts that will make your motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you’re covered.

Motorcycle Insurance - Coverage Built for Riders, Not Borrowed From Auto

Your motorcycle is not a car. It does not have a steel cage around you, crumple zones, or airbags. The risks are different, the injuries tend to be more severe, and a standard auto policy does not cover any of it.

Motorcycle insurance is a standalone product built specifically for riders. It covers your bike, your gear, your liability, and the unique situations riders deal with - from seasonal storage to custom parts to the reality that other drivers do not always see you coming.

Why Motorcycle Insurance Is Different From Auto

This is not just auto insurance with a different name. Motorcycles carry higher injury severity risk because riders do not have the protection of a vehicle frame. That changes how the coverage is built and priced.

Here is what makes motorcycle insurance its own category:

Standard auto policies do not cover motorcycles. Your car insurance will not pay a claim on your bike. Period. You need a separate motorcycle policy.
Gear and accessories need separate coverage. Your helmet, riding jacket, gloves, saddlebags, and boots can add up to thousands of dollars. Most policies require you to specifically cover these items or they are excluded.
Custom parts need to be listed. If you have put money into aftermarket exhaust, upgraded suspension, custom paint, or performance parts, those additions are not covered unless they are specifically added to the policy. Otherwise, the carrier pays based on stock value only.
Seasonal storage saves you money. Most riders do not ride year-round. Seasonal lay-up options reduce your premium during the months your bike is parked, so you are not paying full rates when you are not on the road.
Passenger liability is a real exposure. If you ride with a passenger and get into an accident, their injuries fall under your policy. Make sure your limits are high enough to cover that.

What Motorcycle Insurance Covers

A motorcycle policy covers the essentials plus rider-specific protections most people do not think about until they need them.

Liability. Bodily injury and property damage to others if you cause an accident. This is required by law in most states.
Collision. Pays to repair or replace your bike after an accident, regardless of who is at fault.
Other-than-collision (OTC). Covers theft, vandalism, fire, weather damage, and hitting an animal. If your bike gets stolen out of your garage, this is the coverage that pays.
Uninsured and underinsured motorist. Protects you when the other driver does not have enough insurance - or any insurance at all. This is critical for riders because the consequences of a hit from an uninsured driver are more severe on a motorcycle.
Custom parts and equipment. Covers aftermarket upgrades, accessories, and modifications at their actual value - not the stock price.
Roadside assistance and towing. Gets you and your bike home when something breaks down on the road.
Guest passenger liability. Covers injuries to your passenger in an accident.
Safety apparel coverage. Replaces your helmet, jacket, boots, and riding gear damaged in a covered accident.

Motorcycle Insurance as Part of Your Program

A motorcycle policy is one piece of your insurance picture. When you bundle it with your home and auto coverage, most carriers offer multi-policy discounts that lower the cost across the board.

Your umbrella policy extends over motorcycle liability too. If you carry a personal umbrella - and you should - it sits on top of your motorcycle, auto, and homeowners liability limits. That extra layer matters when a serious accident happens.

Seasonal lay-up is another smart move. If you park the bike from November through March, you can reduce coverage during those months and put the savings toward higher limits during riding season. We set this up every year for riders who want maximum coverage when it matters and lower cost when the bike is stored.

Frequently Asked Questions

How much does motorcycle insurance cost?

$300 to $1,500 per year for most riders. Sport bikes and high-performance motorcycles cost more to insure. Cruisers and touring bikes are typically cheaper. Your riding record, age, location, and how often you ride all factor into the price. Taking a motorcycle safety course can also lower your premium.

Do I need motorcycle insurance if I only ride on weekends?

Yes. Liability applies any time you are on the road, whether you ride daily or twice a month. Some carriers offer limited-use or pleasure-only rates for weekend riders, which can lower your premium while still providing full coverage when you ride.

Start Your Personal Insurance Review

Motorcycle coverage works best when we look at it alongside your auto, home, and umbrella policies. Call the Grit team and we will build the full picture - bundle discounts, seasonal options, and the right limits for how you actually ride.

Call us: (801) 505-5500

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Motorcycle Insurance