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Motorcycle Insurance

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DMV Motorcycle Insurance

Attention: Motorcycle insurance is a must-have for any biker.

Interest: The best way to find the cheapest motorcycle insurance is by comparing quotes from multiple providers. We’ll help you compare rates and coverage so that you can make an informed decision on which company to choose.

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DMV Motorcycle Insurance

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Is Motorcycle Insurance Mandatory in Your State?

In almost every single state in the United States, you are required to have car insurance. This is necessary in case that something happens to you or someone else. As far as motorcycle insurance goes, you are required to either have it or provide proof of financial responsibility in every single state.

Of course, there are different requirements regarding how much motorcycle insurance you need to have in each state. However, even if your state doesn’t require you to have motorcycle insurance, it is best if you do have it. Motorcycle insurance protects you from the financial consequences of an accident or other incident.

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Should You Get More than Minimum Motorcycle Insurance?

As previously mentioned, different states have different requirements when it comes to the minimum amount of motorcycle insurance coverage you are required to have. However, you do have to keep in mind that these are requirements for minimum motorcycle insurance coverage. It is quite likely that you will need more than the minimum amount of motorcycle insurance coverage in the event that you end up in an accident. Minimum motorcycle insurance will probably not fully cover the cost of medical bills if you are seriously hurt or the cost of property damage if you crash into a more expensive car.

Do The Requirements for Motorcycle Insurance Differ from Car Insurance Requirements?

There are some similarities when you compare car insurance requirements and motorcycle insurance requirements. One of these similarities is that motorcycle insurance usually has to follow the exact same limits for liability as car insurance. However, you will find some important differences between car insurance requirements and motorcycle insurance requirements.

One difference is that you do not have to purchase personal injury protection or uninsured motorist coverage as part of your motorcycle coverage, but you do have to purchase these types of coverage when you get car insurance. You might not be able to buy personal injury protection or uninsured motorist coverage for a motorcycle, actually. This depends on which state you live in and which insurer is providing you with motorcycle coverage.

What Are The Liability Limits for Motorcycle Insurance?

It is important to start off by pointing out the fact that the liability limits for motorcycle insurance do not vary from state to state. Liability limits include both liability for property damage and liability for bodily injury. These pay for damages to property and people that were part of an accident for which someone was at fault.

The 25/50/25 rule applies to these liability limits. This means that the person at fault for the accident will utilize their insurance to pay up to $25,000 in medical bills for each person that was injured and some other kinds of costs, as well as up to a total of $50,000 for everyone that was hurt in the accident. This rule also means that the person at fault for the accident will have to use their insurance to cover up to $25,000 in property damage, too.

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Last Verified:
May 26, 2023