You need motorcycle insurance in every state but Florida. Learn about the minimum coverage requirements for each state and other important details.
The best motorcycle insurance companies of 2024: Progressive (Best for accident forgiveness), Harley-Davidson (Best for new riders)
If you are in the market for motorcycle insurance, most states require you to carry a minimum amount of liability coverage.
Bodily injury liability. If either your passenger or the other driver is injured in an accident you caused, you might be liable for the costs of medical treatment, lost wages and physical or psychological pain. Typically required by most states, bodily injury liability coverage helps protect you from having to cover these costs out of pocket. Property damage liability. More often than not, material damages are a natural consequence of an accident. If you damage somebody else's property such as their vehicle, residence or other structure, proper ...
Progressive has the cheapest motorcycle insurance in New York, at $18 per month for full coverage. The average cost of motorcycle insurance in NY is $320 per year or $27 per month.
For an accurate comparison, take a look at motorcycle insurance quotes that have similar coverages, limits and deductibles.
Custom motorcycles and choppers usually need an add-on for their motorcycle insurance policy to protect the extra value of the customizations.
In all states except Florida, you need motorcycle insurance to ride, register or finance your bike, but minimum requirements vary.
See insurance requirements in your state to start comparing policies, and learn the laws in states that don't mandate motorcycle insurance.
U.S. News offers advice on the best motorcycle insurance, no matter what kind of bike you ride.