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Motorcycle insurance
Ride protected, wherever the road takes you
Motorcycle insurance protects your bike, your gear and your wallet if a crash, theft or claim comes your way — and keeps you legal to ride in most states. Compare quotes built for riders in minutes.
- Cover your bike, yourself and your liability
- Add protection for custom parts and riding gear
- Compare rider-friendly quotes with no obligation
- Quotes in minutes
- Highly rated insurers
- Free to compare
What's covered
What motorcycle insurance covers
A motorcycle policy works much like auto insurance, tailored to bikes, scooters and some powersports. Here's what a typical policy can include.
Liability coverage
Pays for injuries or property damage you cause to others in an at-fault accident — the part most states require to ride legally.
Collision coverage
Helps repair or replace your motorcycle after a crash with another vehicle or object, whoever was at fault.
Comprehensive coverage
Covers non-crash losses like theft, vandalism, fire and severe weather damage to your bike.
Uninsured motorist
Steps in when a driver who hits you has no insurance or too little to cover your injuries and damage.
Medical payments
Helps with medical bills for you and often a passenger after an accident, regardless of who caused it.
Custom parts & accessories
Extends protection to upgrades, chrome, saddlebags and other add-ons that a standard policy may not fully cover.
Why AltFTool
Why riders compare here
Ride legal and protected
Meet your state's requirements and cover yourself, your bike and others in one straightforward policy.
Rider discounts
Safety course completion, insuring multiple bikes and membership perks can often lower what you pay.
Seasonal lay-up options
Many insurers offer lay-up coverage so you can adjust protection while your bike is stored for winter.
Bundle and save
Combining your motorcycle with auto or home through one insurer may unlock some of the biggest discounts.
How it works
From quote to covered in four steps
Tell us about your bike
Share your motorcycle's make, model and a little about your riding history — it takes just a minute.
Compare quotes
Review personalised quotes from highly rated insurers side by side, with coverage clearly laid out.
Choose your coverage
Pick the limits, deductible and extras that fit how and where you ride — and your budget.
Get covered
Finalise with the insurer and hit the road protected, often with documents delivered the same day.
Good to know
What affects your motorcycle premium
Every quote is personalised. These are the factors insurers typically weigh most when pricing a motorcycle policy.
- Riding record & experience
- A clean record and years of riding experience usually help; recent accidents, tickets or claims tend to raise your rate.
- Your bike
- Engine size, type and value all matter — a sport bike or high-performance model often costs more to insure than a cruiser or scooter.
- Age & location
- Your age and where you live and store the bike affect risk, since theft rates, weather and traffic vary widely by area.
- Coverage & deductible
- Higher limits and add-ons raise the premium, while choosing a higher deductible lowers it but means paying more per claim.
- Mileage & storage
- How much you ride each year and whether the bike is garaged can move your rate up or down.
Motorcycle Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Motorcycle Insurance FAQs
In most states you need at least liability coverage to ride legally. Requirements vary, so check the minimums where you live before you ride.
A typical policy can include liability, collision, comprehensive, uninsured motorist and medical payments. You can add coverage for custom parts, accessories and gear depending on the insurer.
Often, with the right coverage. Custom parts and accessories coverage can protect upgrades and riding gear that a base policy may not fully include — limits vary by insurer.
Completing an approved safety course, choosing a higher deductible, insuring multiple bikes and bundling with auto or home may all help reduce what you pay. Savings depend on the insurer and your situation.
It can, typically through your medical payments and liability coverage, though details and limits vary by policy and state. Confirm passenger protection with the insurer before you ride two-up.
Many insurers offer lay-up options that reduce coverage while your bike is stored for the season. Keeping some comprehensive coverage can still protect against theft or damage during storage.
Get your motorcycle insurance quote
Compare personalised quotes from highly rated insurers in minutes — free, with no obligation, and built around how you ride.
AltFTool is not an insurance company or agency and does not sell insurance. Quotes, coverage, eligibility and pricing are set by the insurer and vary by state and circumstances. Coverage examples are general; read each policy for exact terms.