Motorcycle Insurance: Frequently Asked Questions

All responsible and law-abiding motorcyclists should have insurance coverage for their bikes. A motorcycle insurance plan isn’t that different from insuring your car, truck, boat, or other big-ticket purchase. However, there are a few factors to consider when you’re shopping for a good motorcycle insurance policy. We’ve answered some of the questions you might have about motorcycle insurance below to help you navigate this necessity.

Do I Have to Have Motorcycle Insurance?

Nearly every U.S. state requires motorcyclists to insure their bikes. The only state that doesn’t have a law about motorcycle insurance is Florida. Without valid insurance coverage on your motorcycle, you’re not able to ride it legally, and you could face major fines if you’re caught. 

Also, insuring your motorcycle is a smart move that protects your wallet and your peace of mind. So while you do have to do it in 49 out of 50 states, there is a definite benefit to insuring your bike.

Where Can I Find Suitable Coverage?

If you already have an insurance policy, whether it’s for your car or your house, you may be able to bundle your motorcycle into the plan you’ve established. This practice can save you money and spare you from having to locate an entirely new insurer.

If you don’t have a policy, you can browse the websites for some of the most popular insurers to see whether they offer motorcycle coverage. 

What Type of Coverage Should I Get?

To comply with state laws, liability insurance is all that’s required, but what qualifies as liability coverage can differ by state and even by city. It’s important to check local laws to determine what the bare minimum is in regards to coverage.

However, you’ll reap more benefits if you extend your coverage to be more comprehensive so that you and your bike are protected in an accident, along with any property or vehicles you may damage.

Ready to buy a new or used motorcycle in Missouri? Stop by our Kansas City dealership to check out our current inventory. Advantage PowerSports proudly serves our customers in the cities of Columbia and St. Joseph, MO.