Largest Bike Insurance Companies in United States


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Starting From $100 Per Year

Key Features: ✔️Multi-vehicle discount ✔️Lowest rates and good coverage optionss


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Starting From $120 Per Year

Key Features: ✔️Relatively affordable premiums ✔️Excellent financial strength ✔️Extensive additional coverage options


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Starting From $98 Per Year

Key Features: ✔️Affordable average premiums ✔️Extensive added coverage options

Erie Insurance

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Key Features: ✔️Offers accident forgivenes. ✔️Relatively competitive prices

Harley Davidson

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Starting $24 per month

Key Features: ✔️Plenty of coverage options to customize your policy. ✔️Lots of discounts to help you save


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Starting From $39 per month

Key Features: ✔️Covers many types of bikes ✔️Diminishing deductible available.


Financial Strength


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Starting From $22 per month

Key Features: ✔️Highly rated customer service ✔️ffers loan financing for bikes

What Is Bike Insurance?

Know all about Two Wheeler Insurance - Definition, Importance

Bike insurance, also known as two-wheeler insurance, is a type of insurance policy that provides financial protection against damages to or caused by your motorcycle or scooter. It is a mandatory requirement in many countries to have at least basic insurance coverage for your two-wheeler before you can legally ride it on public roads.

Here's a breakdown of the key aspects of bike insurance:

  • Legal Requirement: In many countries, it's mandatory to have at least basic third-party liability insurance to legally ride a motorcycle on public roads.
  • Financial Protection: It provides financial protection against damages to your bike due to accidents, theft, natural disasters, fire, or vandalism.
  • Liability Coverage: It covers the financial liabilities arising from third-party property damage or bodily injury caused by your motorcycle.

What are the Types of bike Insurance on United States?

In the United States, there are several types of bike insurance available to cyclists. These include:

Liability Coverage

This type of insurance covers bodily injury or property damage that you may cause to others while riding your bike. It typically includes coverage for legal fees and settlements if you're sued.

Collision Coverage

Collision coverage pays for damage to your bike if you collide with another vehicle or object, regardless of fault. This coverage is especially important if you have an expensive bike that would be costly to repair or replace.

Comprehensive Coverage

Comprehensive coverage protects your bike from damage caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.

Medical Payments Coverage

Medical payments coverage, also known as personal injury protection (PIP), covers your medical expenses if you're injured in a bike accident, regardless of who is at fault.

Accessory Coverage

Some insurance policies offer coverage for bike accessories, such as lights, racks, and saddlebags, in addition to coverage for the bike itself.

Rental Reimbursement

If your bike is damaged and needs repairs, rental reimbursement coverage can help cover the cost of renting a temporary replacement bike while yours is in the shop.

Uninsured/Underinsured Motorist Coverage

This coverage protects you if you're injured by a driver who doesn't have insurance or doesn't have enough insurance to cover your medical bills and other expenses.

Roadside Assistance

Roadside assistance coverage provides services such as towing, tire changes, and battery jumps if you're stranded while riding your bike.

How do you Choose Two Wheeler Insurance Policy?

When choosing a two-wheeler insurance policy in the U.S., consider the following factors:

  • Coverage Options: Determine what types of coverage you need for your two-wheeler. This may include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and optional coverage for accessories, rental reimbursement, or roadside assistance.

  • State Requirements: Damage: Familiarize yourself with your state's minimum insurance requirements for two-wheelers. Most states require riders to carry a minimum amount of liability insurance to cover bodily injury and property damage.

  • Insurance Providers: Research insurance companies that offer coverage for motorcycles, scooters, or mopeds in your area. Compare quotes from multiple insurers to find the best coverage options and rates.

  • Policy Limits and Deductibles: Consider the limits of liability coverage and the deductibles for collision and comprehensive coverage. Choose policy limits and deductibles that provide adequate protection without breaking your budget.

  • Discounts and Savings: Inquire about discounts that may be available to you, such as multi-policy discounts, safe rider discounts, discounts for completing a motorcycle safety course, or discounts for installing anti-theft devices on your two-wheeler.

  • Claims Process: Research the claims process for each insurance company you're considering. Look for a company with a reputation for efficient claims handling and excellent customer service.

  • Financial Stability: Choose an insurance company with a strong financial rating from independent rating agencies. This ensures that the company will have the financial resources to pay claims in the event of an accident.

  • Customer Reviews and Reputation: Read reviews and testimonials from other policyholders to gauge the satisfaction level with each insurance company. Consider factors such as customer service, claims handling, and overall satisfaction.

  • Policy Exclusions and Limitations: Carefully review the terms and conditions of each insurance policy to understand any exclusions or limitations that may apply. Make sure you fully understand what is covered and what is not covered by the policy.

Advantages of Buying A Two Wheeler Insurance Policy

Buying a two-wheeler insurance policy offers several advantages to riders in the United States. Here are some of the key benefits:

  • Financial Protection: A two-wheeler insurance policy provides financial protection against unexpected expenses resulting from accidents, theft, vandalism, or natural disasters. It covers the cost of repairing or replacing your bike and can also provide coverage for medical expenses and legal fees if you're involved in an accident.

  • Compliance with Legal Requirements: Most states in the U.S. require riders to carry a minimum amount of liability insurance to cover bodily injury and property damage in the event of an accident. Purchasing a two-wheeler insurance policy ensures that you comply with these legal requirements and avoid potential fines or penalties.

  • Peace of Mind: Knowing that you have insurance coverage for your two-wheeler can provide peace of mind while riding on the road. You can focus on enjoying your ride without worrying about the financial consequences of accidents or other unforeseen events.

  • Protection for Third Parties: Liability coverage included in a two-wheeler insurance policy protects you against claims for bodily injury or property damage that you may cause to others while riding your bike. It covers the medical expenses, repair costs, and legal fees associated with third-party claims, reducing your financial liability.

  • Coverage for Personal Injuries: Depending on the type of coverage you choose, a two-wheeler insurance policy can provide coverage for your medical expenses if you're injured in a bike accident, regardless of who is at fault. Medical payments coverage or personal injury protection (PIP) can help cover the cost of hospital bills, doctor's fees, and rehabilitation expenses.

  • Protection Against Theft and Vandalism: Comprehensive coverage included in a two-wheeler insurance policy protects your bike against theft, vandalism, fire, and other non-collision-related damages. If your bike is stolen or damaged while parked or stored, your insurance company will cover the cost of repairing or replacing it, up to the policy limits.

  • Additional Benefits and Services: Some two-wheeler insurance policies offer additional benefits and services, such as roadside assistance, rental reimbursement, and coverage for accessories. These benefits can provide added value and convenience to policyholders, especially in emergency situations or when traveling long distances.

What are the things Covered Under Bike Insurance?

Bike insurance typically covers a range of events and damages, depending on the type of coverage you have. Here are the common things covered under bike insurance:

  • Damage due to Accidents: Familiarize yourself with the three main types of four-wheeler insurance - third-party cover, comprehensive cover, and add-ons. Assess your needs to determine which type of policy suits you best.

  • Theft: Bike insurance covers the loss or damage to your bike due to theft.

  • Vandalism: If your bike is intentionally damaged by someone else, such as graffiti or keying, bike insurance can cover the repair costs.

  • Natural Disasters: Comprehensive coverage protects your bike from damage caused by natural disasters such as floods, earthquakes, hurricanes, and tornadoes.

  • Fire Damage: Bike insurance typically covers damage caused by fires, whether accidental or intentional.

  • Third-party Liability: Bike insurance provides coverage for bodily injury or property damage you may cause to others while riding your bike. This includes medical expenses, repair costs, and legal fees if you're sued.

  • Personal Injury Protection (PIP): Some policies offer coverage for your medical expenses if you're injured in a bike accident, regardless of fault.

  • Accessory Coverage: Bike insurance may cover the cost of repairing or replacing accessories such as lights, racks, saddlebags, and aftermarket parts.

  • Roadside Assistance: Some insurers offer optional roadside assistance coverage, which provides services such as towing, tire changes, and battery jumps if you're stranded while riding your bike

  • Legal Expenses:Bike insurance may cover legal expenses associated with defending yourself in court if you're sued after an accident.

What is Not Covered Under Bike Insurance in United States?

While bike insurance in the United States provides coverage for a variety of situations, there are certain events and damages that are typically not covered under standard bike insurance policies. These exclusions can vary depending on the insurance company and the specific policy, but common exclusions may include:

  • Regular Wear and Tear:Bike insurance typically does not cover damage resulting from regular wear and tear, such as mechanical breakdowns, tire wear, or rust.

  • Intentional Damage: Damage caused intentionally by the policyholder or someone else is usually not covered under bike insurance.

  • Racing or Stunts: Damage that occurs while participating in organized racing events or engaging in stunts or reckless riding may be excluded from coverage.

  • Illegal Activities: Any damage or loss resulting from illegal activities, such as using the bike for criminal purposes or riding without a valid license, is typically not covered.

  • Unauthorized Use: Damage that occurs when someone not listed on the policy uses the bike without permission may not be covered.

  • Commercial Use: If the bike is used for commercial purposes, such as food delivery or courier services, it may not be covered under a personal bike insurance policy.

  • War or Terrorism: Damage resulting from acts of war, terrorism, civil unrest, or nuclear events is typically excluded from coverage.

  • Negligence: If the policyholder is found to be negligent, such as leaving the bike unlocked or improperly maintaining it, resulting damage may not be covered.

  • Loss of Value: Bike insurance usually does not cover loss of value or depreciation that occurs over time.

  • Unapproved Modifications: Damage caused by modifications or alterations to the bike that were not approved by the insurance company may be excluded from coverage.

Various Two Wheeler Insurance Add-ons


Personal Accident Cover

This add-on provides coverage for accidental death or bodily injury to the insured rider. It may also extend coverage to passengers riding on the insured bike.


Zero Depreciation Cover

Also known as depreciation waiver, this add-on ensures that the insurer will cover the full cost of repairing or replacing damaged parts without deducting for depreciation. It is particularly useful for new bikes or bikes with expensive parts.


Engine Protection Cover

This add-on provides coverage for damage to the bike's engine and its parts due to accidents, waterlogging, or lubricant leakage. Standard policies may exclude engine damage, so this add-on offers additional protection.


Roadside Assistance

Roadside assistance add-on offers services such as towing, fuel delivery, battery jump-start, flat tire assistance, and locksmith services in case of emergencies while riding.


Consumables Cover

This add-on covers the cost of consumable items such as engine oil, coolant, nuts, and bolts that may need replacement after an accident. It supplements the basic coverage for repair costs.


Return to Invoice

In the event of a total loss or theft of the insured bike, this add-on ensures that the policyholder receives the original invoice value of the bike, including registration fees and road tax, instead of the depreciated value.


Key Replacement Cover

This add-on provides coverage for the cost of replacing lost or stolen keys and locks for the insured bike.


Daily Cash Allowance

In case of repairs requiring the bike to be in the garage for an extended period, this add-on provides a daily cash allowance to cover transportation expenses.


Accessories Cover

Standard bike insurance policies may not cover accessories such as helmets, gloves, or riding gear. This add-on provides coverage for the repair or replacement cost of such accessories in case of damage or theft.

Factors to Consider While Buying Two Wheeler Insurance

When buying two-wheeler insurance, it's crucial to consider several factors to ensure you get the right coverage at the best possible price. Here are some key factors to consider:

  • Type of Coverage Needed: Determine the type of coverage you need based on your requirements and budget. Consider options such as liability coverage, collision coverage, comprehensive coverage, and additional add-ons like personal accident cover or roadside assistance.

  • State Requirements: Familiarize yourself with the minimum insurance requirements for two-wheelers in your state. Ensure that the policy you choose meets or exceeds these requirements to comply with the law.

  • Insurance Provider Reputation:Research the reputation and financial stability of insurance providers. Choose a reputable company with a strong track record of customer service, claims handling, and financial stability to ensure reliability and peace of mind.

  • Premium Costs: Compare premium costs from multiple insurance providers to find the best value for your money. Consider factors such as coverage limits, deductibles, discounts, and payment options when comparing premiums.

  • Coverage Limits and Deductibles:Understand the coverage limits and deductibles of the insurance policy. Choose coverage limits that provide adequate protection for your two-wheeler and select deductibles that you can afford to pay out of pocket in the event of a claim.

  • Discounts and Savings:Inquire about available discounts and savings opportunities, such as multi-policy discounts, safe rider discounts, or discounts for completing a motorcycle safety course. Taking advantage of these discounts can help lower your premium costs.

  • Claims Process: Research the claims process for each insurance provider. Choose a company with a straightforward and efficient claims process to ensure that you can quickly and easily file a claim if needed.

  • Policy Exclusions and Limitations: Carefully review the terms and conditions of the insurance policy to understand any exclusions or limitations that may apply. Be aware of what is covered and what is not covered under the policy to avoid surprises later on.

  • Customer Reviews and Recommendations:Read customer reviews and seek recommendations from friends, family, or online forums to gauge the satisfaction level with each insurance provider. Consider factors such as customer service, claims handling, and overall experience when making your decision.

  • Additional Benefits and Services:Consider any additional benefits or services offered by insurance providers, such as roadside assistance, rental reimbursement, or coverage for accessories. These extra benefits can add value to your policy and enhance your overall coverage.

Reason to Choose InsuranceQuotess for Bike Insurance Online

Image 1

Wide Selection of Policies

InsuranceQuotess offers diverse bike insurance
options from multiple providers,
catering to various customer needs.

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Transparent Comparison

We provides transparent comparison tools that allow users
to easily compare different insurance policies in
terms of coverage, premiums, and features.

Image 3

Simple and Convenient Process

We offers a straightforward and user-friendly
online process for purchasing bike insurance

How Does Buy Car Insurance Online?

  • Step 1
    Provide Your Details
    Filll all the details and then submit them to your chosen to bike insurance provider or use an online insurance comparison tool to receive premium quotes from various insurers.
  • Step 2
    Compare Quotes and Select an Insurance Policy
    Select the quote that aligns with your needs and fits your budget from the array of available options.
  • Step 3
    Make Payment and Relax
    Pay the policy premium online & get your bike insurance document instantly in your inbox.

How To Find the Best Motorcycle Insurance?

When you have so many choices, it can be difficult to determine which motorcycle insurance companies offer affordable, high-quality coverage. Here are a few tips to help simplify the decision-making process:

  • Consider a company’s quality of coverage. Verify that a provider offers the coverage options you’re looking for.
  • Read customer reviews. While insurance ratings tend to be low, it’s worth ensuring that your chosen provider receives at least somewhat decent scores and does its best to respond to customer issues.
  • Compare motorcycle insurance quotes. Receive free, personalized quotes from providers to determine which options best suit your needs.
  • Look for discounts. Figure out which savings opportunities you qualify for with each company, such as usage-based insurance or rider group discounts.
  • Consider whether you can bundle plans. If you can bundle homeowners or auto and motorcycle insurance, you’ll save money.
  • Increase your deductible to save money. The higher your deductible, the lower your premium will be.
  • Check for added benefits. Seek out accident forgiveness programs and discounts for being claim-free or having a clean driving history.

How Do I File Online bike Insurance Claim online?

  • Visit the Insurance Company's Website:Go to the website of your insurance company. Most insurance companies have a section dedicated to claims, where you can start the process online.

  • Log in to Your Account: If you have an online account with the insurance company, log in using your credentials. If you don't have an account, you may need to create one.

  • Find the Claims Section: Navigate to the claims section of the website. This may be labeled as "File a Claim" or something similar.

  • Provide Policy Information:You'll likely need to provide details such as your policy number, the date and time of the incident, and a description of what happened.

  • Upload Documentation: You may be asked to upload supporting documentation, such as photos of the damage, a police report (if applicable), and any other relevant documents.

  • Provide Contact Information: Make sure your contact information is up to date so the insurance company can reach you if they need additional information.

  • Submit the Claim: Once you've filled out all the required information and uploaded any necessary documents, submit the claim online.

  • Follow Up: After submitting your claim, keep an eye on your email or online account for updates from the insurance company. They may need additional information or documentation to process your claim fully.

Tricks to reduce bike insurance premium in United States

Visit Our Website: Start by visiting, where you can easily compare car insurance quotes from multiple providers in one place.

  • Shop Around: Compare quotes from multiple insurance companies to find the most competitive rate for the coverage you need. Different insurers may offer different discounts and pricing structures.

  • Maintain a Clean Driving Record: Avoid accidents and traffic violations to maintain a clean driving record. Insurance companies often offer lower premiums to policyholders with a history of safe driving.

  • Take a Safety Course: Completing a motorcycle safety course can demonstrate to insurers that you are a responsible rider, potentially qualifying you for a discount on your premium.

  • Choose a Higher Deductible: Opting for a higher deductible means you'll pay more out of pocket in the event of a claim, but it can lower your premium. Consider your financial situation and the level of risk you're comfortable with before increasing your deductible.

  • Bundle Policies: If you have multiple insurance policies, such as auto and home insurance, consider bundling them with the same insurer. Many insurance companies offer discounts for bundling policies together.

  • Install Anti-Theft Devices: Equip your bike with anti-theft devices such as alarms, GPS trackers, or immobilizers. These security measures can reduce the risk of theft, potentially lowering your insurance premium.

  • Park in a Secure Location: If possible, park your bike in a garage or other secure location when not in use. Parking in a secure location reduces the risk of theft or damage, which can lead to lower insurance premiums.

  • Limit Mileage: If you use your bike for pleasure rather than daily commuting, inform your insurer about your lower mileage. Some insurers offer discounts for policyholders who ride fewer miles annually.

  • Maintain Good Credit: In many states, insurance companies use credit scores as a factor when determining premiums. Maintaining good credit can help you qualify for lower insurance rates.

  • Review and Adjust Coverage: Regularly review your coverage and consider adjusting it based on your changing needs. For example, if your bike's value depreciates over time, you may be able to reduce coverage levels to lower your premium.

How to Download Your Two-Wheeler Insurance Policy Copy?

Here are some common KYC documents that may be required when buying bike insurance online

  • Government-issued ID: You may need to provide a copy of a valid government-issued identification document, such as a driver's license, passport, or state ID card.

  • Proof of Address: Insurance companies may ask for proof of your current address, which can be provided through documents like utility bills, bank statements, or rental agreements.

  • Vehicle Registration: You may be required to provide documentation proving ownership or registration of the bike you wish to insure. This could include the vehicle's registration certificate or title.

  • Social Security Number (SSN): Some insurers may request your Social Security Number (SSN) for identity verification purposes.

  • her Supporting Documents: Depending on the insurer and the specific circumstances, additional documents or information may be requested during the online purchasing process.

How to Find the Cheapest Bike Insurance Online?

Finding the cheapest bike insurance online involves a combination of research, comparison, and leveraging available resources. Here's a step-by-step guide to help you find affordable bike insurance online:

  • Gather Information:Before starting your search, gather relevant information about your bike, including its make, model, year, and any modifications. You'll also need information about your riding history, such as previous claims, accidents, and violations.
  • Use Comparison Websites:Utilize online insurance comparison websites that allow you to enter your bike and personal details once and receive multiple quotes from different insurers.
  • Visit Insurers' Websites:In addition to using comparison websites, visit individual insurance company websites to obtain quotes directly. Many insurers allow you to get a quote online by providing basic information about your bike and your coverage preferences.
  • Compare Coverage Options:When comparing quotes, make sure you're comparing similar coverage levels and deductibles. Keep in mind that the cheapest quote may not always provide the coverage you need, so carefully review the policy details before making a decision.
  • Check for Discounts:Inquire about available discounts, such as multi-policy discounts, safe rider discounts, anti-theft device discounts, or discounts for completing a motorcycle safety course. Look for discount information on insurers' websites or contact their customer service departments for assistance.
  • Read Customer Reviews:Before choosing an insurer, read customer reviews and ratings to get a sense of their reputation for customer service, claims handling, and overall satisfaction. Websites like ConsumerAffairs and Trustpilot can provide insights into other policyholders' experiences.
  • Consider Additional Factors:In addition to price, consider other factors such as the insurer's financial strength, claims process efficiency, and customer support quality. While affordability is essential, you'll also want peace of mind knowing that your insurer is reliable and responsive.
  • Review Policy Details Carefully:Once you've found a suitable quote, review the policy details carefully to ensure it meets your needs. Pay attention to coverage limits, exclusions, deductibles, and any additional features or riders offered.
  • Purchase Online:After selecting a policy, you can often purchase bike insurance directly through the insurer's website. Follow the online prompts to complete the application process, providing any required documentation and payment information.
  • Monitor for Changes:Periodically review your insurance coverage and compare quotes from different insurers to ensure you're still getting the best deal. Insurance rates can fluctuate over time, so it's essential to stay informed and proactive about managing your coverage.

Frequently Asked Questions

What does bike insurance cover?

In most states in the US, liability insurance is mandatory for motorcycle riders. However, requirements vary by state, so it's essential to check the specific insurance requirements in your state.

What factors affect bike insurance premiums?

Several factors can influence bike insurance premiums, including the rider's age, riding experience, location, type of bike, coverage levels, deductible amount, and claims history.

How can I lower my bike insurance premium?

You can lower your bike insurance premium by maintaining a clean driving record, choosing a higher deductible, taking advantage of discounts, bundling policies, installing anti-theft devices, and opting for paperless billing, among other strategies.

What types of coverage are available for bike insurance?

Common types of coverage include liability coverage (required by law), collision coverage (for damages to your bike in a collision), comprehensive coverage (for damages from non-collision events), uninsured/underinsured motorist coverage, and medical payments coverage.

Do I need insurance for my motorcycle if I only ride it occasionally?

Yes, you typically need insurance for your motorcycle even if you only ride it occasionally. Insurance provides financial protection in case of accidents, theft, or other unexpected events, regardless of how often you ride.

Can I transfer my bike insurance to a new owner if I sell my motorcycle?

In most cases, bike insurance is not transferable to a new owner. The new owner will need to obtain their own insurance policy for the motorcycle.

What should I do if I'm involved in an accident?

If you're involved in an accident, prioritize your safety and the safety of others involved. Exchange information with the other parties, document the scene, and notify your insurance company as soon as possible to initiate the claims process.

How can I file a bike insurance claim?

You can typically file a bike insurance claim online, through the insurer's website or mobile app, or by contacting their claims department by phone. Provide details about the incident, including the date, time, location, and any relevant documentation or evidence.