Your ride.Your road.Your coverage.

In most U.S. states, yes — nearly every state requires liability coverage to register and legally ride on public roads, and several require proof before registration. Minimum requirements vary widely by state. Even where it isn't mandated, riding uninsured can leave you personally responsible for significant costs if you cause an accident.

Typical policies are built from a few standard pieces: liability (damage you cause to others), collision (your bike, after a crash), comprehensive (theft, weather, fire, vandalism), plus optional add-ons like roadside assistance, medical payments, uninsured/underinsured motorist coverage, and custom parts. What's included — and what's required — depends on the insurer and your state.

Comprehensive coverage commonly responds to theft, and it is usually optional unless your bike is financed. If your motorcycle is stolen, you typically file a claim and, depending on the policy, may be reimbursed based on actual cash value or an agreed/declared value. Exact terms vary by insurer, so it's worth reading the policy before you sign.

Insurers weigh many factors: the bike itself (type, engine size, age, value), where you live and store it, how you use it, your riding experience and driving record, and the coverage levels and deductibles you choose. RIDEWAY doesn't estimate pricing — actual quotes come from licensed insurance partners after you request them.

Yes. Many insurers cover custom and modified bikes, though they typically ask for documentation of the build — parts lists, photos, and receipts. Declared-value policies and custom parts endorsements are common ways to protect a bike worth more than its stock book value. Tell us what you built and we'll flag partners that handle custom machines.

To start, just three things: the kind of bike you ride, your U.S. ZIP code, and an email address — plus the plan you'd like us to start with. We email your comparison right away, then licensed partners in your state follow up by email and ask for details like the bike's year and model and your riding history. That's when real quotes are generated, not before.