Whether riding a road bike or a dirt bike, insuring the two-wheeled vehicle is required by law in every state when on roads and in some locales when riding public trails.
Riders can purchase insurance coverage to satisfy state minimums for liability insurance, which pays up to policy limits for causing injuries or damages to other people and their property but will not pay a cent if the rider is injured or his or her motorcycle is stolen or damaged in an accident.
Insurance to pay for injuries to the rider is available for a bit more money, and full coverage insurance and uninsured/underinsured motorist insurance also can be bought to provide maximum insurance protection.
Unless riding a sportbike or an expensive cruiser, like a high-end Harley-Davidson, Victory, or Indian motorcycle, the cost of insuring a motorcycle is much less than the cost of a comparable auto insurance policy.
Because sport bikes have a lot of body parts and high-powered motors that are expensive to repair, insuring them is very costly for most people under age 30 and for those with poor driving records. Generally, the younger the rider, the costlier the insurance.
Otherwise, motorcycles, generally cause little damage to other vehicles or property when they are ridden by skilled, experienced, and safe riders. That lessened danger of high accident costs involving most motorcycles means their insurance policies for most riders are very affordable with full coverage available for anywhere from about $100 per year up to about $300 for full coverage insurance and less for liability-only policies.
Anytime someone rides on the road, full coverage insurance always is the best option with additional uninsured/underinsured motorist coverage. Uninsured/underinsured provides insurance protection against hit-and-run drivers and those who only have state minimum liability insurance, which easily is surpassed when motorcyclists suffer serious injuries in an accident.
Those who ride off-road will benefit from recreational vehicle insurance, which is available for ATVs, dirt bikes, and other off-road conveyances.
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