Motorcycle insurance helps protect your ride on the open road.

Protect Your Ride, Protect Your Freedom

You’ve invested in your bike—now protect it with comprehensive motorcycle insurance. Whether you ride a cruiser, sport bike, touring motorcycle, or scooter, the right coverage ensures you can hit the open road with confidence and peace of mind.

Required Coverage: The Legal Minimum

Liability Insurance

Every state requires liability coverage to legally operate your motorcycle. This coverage pays for:

• Bodily injury liability – Medical expenses, lost wages, and legal fees if you injure someone in an at-fault accident
• Property damage liability – Repair or replacement costs for vehicles or property you damage

While your state sets minimum coverage limits, these minimums often aren’t enough to fully protect your assets. We recommend higher limits to safeguard your financial future in case of a serious accident.

Essential Optional Coverages

Collision Coverage

Pays to repair or replace your motorcycle after an accident, regardless of who’s at fault. Whether you hit another vehicle, a guardrail, or slide out on gravel, collision coverage has you covered.

Comprehensive Coverage

Protects your bike from non-collision incidents including:

• Theft
• Vandalism
• Fire damage
• Weather-related damage (hail, floods, falling objects)
• Animal strikes

Uninsured/Underinsured Motorist Coverage

Critical protection if you’re hit by a driver without adequate insurance. This coverage pays for:

• Your medical bills and rehabilitation costs
• Lost wages during recovery
• Pain and suffering
• Motorcycle repairs (in some states)

One in eight drivers on the road is uninsured—don’t leave yourself vulnerable.

Coverage for Your Passenger

Standard motorcycle policies typically cover you as the operator, but what about your passenger? Many policies offer medical payments coverage or passenger liability protection to ensure anyone riding with you is protected in case of an accident.

Specialized Coverage Options

Custom Parts and Equipment Coverage

Your stock bike didn’t stay stock for long, did it? Standard policies may not cover aftermarket upgrades like:

• Custom exhaust systems
• Performance modifications
• Premium sound systems
• GPS and electronics
• Custom paint jobs
• Chrome accessories

This specialized coverage ensures your investments in customization are protected.

Roadside Assistance

Because breakdowns don’t only happen in your garage. Roadside assistance covers:

• Towing to the nearest repair facility
• Flat tire service
• Fuel delivery
• Jump starts
• Lock-out service

Trip Interruption Coverage

If your bike breaks down far from home, this coverage reimburses you for:

• Hotel accommodations
• Meals
• Transportation costs
• Rental vehicle expenses

Accessory Coverage

Protects gear and accessories that aren’t permanently attached to your bike:

• Riding apparel and helmets
• Saddlebags and luggage
• Bike covers
• Security devices

Factors That Affect Your Motorcycle Insurance Rates

Understanding what influences your premium helps you make informed decisions:

• Type of motorcycle – Sport bikes typically cost more to insure than cruisers
• Engine size – Larger displacement engines often mean higher premiums
• Your riding experience – More experience and safety course completion can lower rates
• Your age – Mature riders often receive better rates
• Your location – Urban areas with higher theft rates cost more
• Your driving record – Clean records earn discounts
• Annual mileage – The less you ride, the lower your risk
• Security measures – Anti-theft devices can reduce your premium

Money-Saving Tips

• Bundle policies – Combine your motorcycle insurance with auto or home insurance for significant discounts
• Take a safety course – Many insurers offer discounts for MSF or other approved training
• Pay annually – Avoid monthly billing fees
• Increase your deductible – Higher out-of-pocket costs mean lower premiums
• Store your bike securely – Garage parking and anti-theft devices can lower rates
• Maintain good credit – In most states, better credit scores mean better rates

Get the Right Coverage for Your Ride

At Dream Assurance Group, we understand that riders have unique needs. We’ll help you build a policy that protects what matters most—your bike, your passengers, and your financial security—without paying for coverage you don’t need.