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Motorcycle Insurance

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Motorcycle Insurance: Ride with Confidence & Coverage

Motorcycle Insurance

Coverages Pricing FAQ
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Motorcycle Insurance is a specialized policy built for the rugged demands of your bike. Unlike a standard homeowner's policy, which typically limits coverage to your own property, this standalone protection follows you to the open road. It provides critical defense for physical damage to your machine and liability coverage if you injure someone else or damage their property while riding.

The “Risk Reality”: Your Passenger is Your Biggest Liability

Riding is freedom, but it also carries unique risks that standard auto policies ignore. One of the most overlooked gaps is Guest Passenger Liability. In many states, standard liability only covers the other driver, leaving your passenger (often a spouse or friend) completely exposed if you are at fault. Furthermore, custom chrome, leather saddlebags, and aftermarket exhaust systems are rarely covered by basic “Blue Book” policies. According to the National Highway Traffic Safety Administration (NHTSA), motorcyclists are significantly more vulnerable on the road, making specialized protection not just a legal requirement, but a survival necessity.

Types of Motorbikes We Insure


A generic policy doesn’t work because a customized Harley-Davidson has different risks than a high-performance Ducati or a Honda Gold Wing. We match your specific riding style with the carrier that protects it best.
Select your bike type below to instantly start a custom quote built for your ride.

Cruiser and custom motorcycle icon

Cruisers & Custom Builds

For those who invest heavily in chrome, paint, and performance upgrades.

  • The Risk: Theft of expensive aftermarket parts (exhausts, fairings) that standard policies exclude.
  • The Fix: Custom Parts & Equipment (CPE) coverage (up to $30k) to protect every inch of chrome.
  • Best For: Harley-Davidson, Indian, and Custom Chopper owners.
Tag icon Common Models Street Glide, Road King, Scout, Chief
Sport bike icon

Sport Bikes

High performance meets high risk. Speed and agility require serious liability protection.

  • The Risk: High frequency of theft and severe collision damage.
  • The Fix: Total Loss Coverage and low deductibles to get you back on the road fast.
  • Best For: Track enthusiasts and Sport Bike riders.
Tag icon Common Models Ninja, CBR, GSX-R, Panigale
Touring motorcycle and trike icon

Touring & Trikes

Built for the long haul. When you're 500 miles from home, you need more than just liability.

  • The Risk: Breakdown in a remote area or an accident ending your vacation.
  • The Fix: Trip Interruption (pays for hotels/food) and upgraded Roadside Assistance.
  • Best For: Cross-country travelers and retired couples.
Tag icon Common Models Gold Wing, Electra Glide, Can-Am Spyder

Motorcycle Insurance Coverage

We build Motorcycle insurance policies that protect the rider, the passenger, and the custom machine you've built.
What is Covered
Guest Passenger Liability: Critical coverage that pays for medical bills if your passenger is injured in an accident you cause.
Custom Parts & Equipment (CPE): Covers aftermarket additions like saddlebags, chrome, fairness, and custom paint.
Trip Interruption: Reimburses you for lodging, food, and transportation if your bike breaks down far from home.
Safety Apparel: Covers damage to your helmet, leathers, and gloves in a covered accident.
What is NOT Covered (Exclusions)
Track Days / Racing: Timed events or competitive racing are strictly excluded from standard street policies.
Wear and Tear: Routine maintenance (tires, oil changes) and mechanical failure are not covered.

The "Dream" Difference: Standard vs. Comprehensive

Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your lifestyle.
Feature Basic "State Minimum" Policy Specialized Motorcycle Policy
Custom Pards (CPE) ✖ $0 - $1,000 Limit ✔ Up to $30,000 Available
Passenger Liability ✖ Often Excluded ✔ Included
Total Loss Settlement ✖ ACV (Depreciated) ✔ MSRP Replacement (New Bike)
OEM Parts ✖ Generic/Used Parts ✔ Original Manufacturer Parts
   

Motorcycle Insurance Cost

"How much to insure my bike?" Rates are highly dependent on the bike's class (cruiser vs. sport) and the rider's history.
  • Premium Estimates: basic liability for a cruiser can be as low as $75/year. Full coverage for a new Harley touring bike typically ranges from $300 to $600/year. Sportbikes often command higher premiums due to risk.
  • Cost Factors: Engine size (cc), location, riding experience/safety courses, and winter storage (Lay-up) options affect your rate.

The "Independent Difference": Why Dream Assurance?

We don't just sell insurance; we ride. "Independent Means Multiple Choices." We shop carriers like Progressive, Dairyland, and Safeco to find the niche that fits your bike.
  • Specialty Markets: Specialized carriers understand that a "custom build" isn't just a bike; it's a work of art, and they insure it for its true appraised value.
  • Coverage Customization: We help you select correct deductibles and "Lay-up" periods to save money during the months your bike is in the garage.
  • Claims Advocacy: If you go down, our team is there to ensure your gear and your bike are replaced or repaired correctly.

Coverage Guidance That Meets You Where You Are

Headquartered in Overland Park, KS and serving clients across multiple states, our team provides straightforward guidance to help you make informed insurance decisions.

If you're comparing insurance options or reassessing your current coverage, we'll help you evaluate what you have, identify potential gaps, and find a path forward that makes sense for your situation.

Licensed In 30+ States

Headquartered in Overland Park, KS, with licensed support across the Midwest, South, Northeast, and West.

  • AL, AZ, AR, CA, CO, DE, FL, GA, IL, IN, IA, KS, KY, MI, MN, MS, MO, MT, NE, NV
  • NJ, NM, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WI, MD, MA, & SD