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If you ride a dirt bike or motocross bike, you’re going to want to make sure you have the right type of insurance coverage that protects you from:
- Financial burden if you’re liable for an accident.
- Damages and injuries from an accident.
- Damage to your bike from things other than collisions.
- Dirt bike theft.
Many insurance providers can craft a dirt bike insurance policy that will match your riding habits, your bike, and your budget.
Continue reading to learn more about dirt bike insurance policies.
What is Dirt Bike/Motocross Insurance?
Dirt bike insurance are insurance policies designed to specifically covered off-road, non-street legal bikes, including:
- Dirt bikes.
- Motocross bikes.
- Pit bikes.
- Trail bikes.
- Honda, Yamaha, Kawasaki, Suzuki, and KTM off-road motorcycles.
Street-legal dirt bikes will typically need to meet the same insurance requirements as street motorcycles.
Just like a motorcycle insurance policy, you’ll be able to choose a dirt bike insurance policy that:
- Satisfies your state’s liability coverage requirements.
- Covers damages and injuries that happen during a collision, regardless of fault.
- Covers damages and events other than collisions with vehicles or stationary objects.
- Reimburses you for theft and vandalism.
To get a quote, you’ll need some basic information, including:
- The dirt bike VIN, year, make, and model.
- Your name and address.
- Your riding habits and driving history.
Is Dirt Bike Insurance Required?
Many states will require you to at least carry liability coverage if you plan to ride on public roads, public trails, and state-owned land.
Certain private off-road areas may have their own additional requirements for dirt bike insurance.
Even if it’s not required, having liability coverage is a smart idea. It’ll protect you from financial responsibility in the event that you cause damage or injuries during a collision.
Learn more about dirt bike insurance requirements.
Is Dirt Bike Insurance the Same as Motorcycle Insurance?
Dirt bike insurance is very similar to motorcycle insurance coverage.
However, these policies are designed specifically for dirt bikes that are used off-road, recreationally.
A standard motorcycle policy is typically not going to cover an off-road dirt bike.
That’s why many of the major insurance providers offer dirt bike-specific insurance policies.
How Much Does Dirt Bike Insurance Cost?
Fortunately, dirt bike insurance is relatively inexpensive.
Dirt bike policies are typically much cheaper than street motorcycle policies. If you opt for minimum coverage, you can expect to pay as little as $100 per year for coverage.
Adding additional coverage for other situations will bump your price up a bit, but you’ll still only typically pay a few hundred dollars at most per year.
The annual cost of dirt bike insurance usually works out to much, much cheaper than the cost of replacing or repairing a damaged bike or paying out of pocket for medical expenses and legal fees.
Your rates will depend on things like:
- Your age.
- Where you live.
- How much you ride.
- The value of your dirt bike.
- Your riding experience.
- Your driving history.
Plus, just like motorcycle insurance, you can qualify for discounts that will lower your premiums.
Read more about the cost of dirt bike insurance.
Types of Dirt Bike Insurance Coverage
Depending on the insurance provider, you’ll have a variety of coverage options to choose from when selecting a dirt bike policy.
The most common types of dirt bike coverage include:
- Liability insurance.
- Medical payment coverage.
- Collision coverage.
- Comprehensive coverage.
- Uninsured/underinsured motorist coverage.
- Special equipment coverage.
- Trailer coverage.
- Total loss coverage for newer bikes.
The key coverages to pay attention to when creating a dirt bike policy are liability, medical payment, collision, and comprehensive.
Liability coverage will protect you financially when you are at fault for property damage and injuries during a collision. This coverage will pay for legal fees and expenses of the other person involved.
Medical payments coverage will pay for your own medical bills, regardless of fault.
Collision coverage will pay for damages to your bike, regardless of fault.
Comprehensive coverage will pay to repair or replace your dirt bike due to things like vandalism, theft, fire, falling objects, etc. Learn more about dirt bike theft insurance.
Will Dirt Bike Insurance Cover Motocross Racing?
One thing to keep in mind is that your typical dirt bike insurance policy WILL NOT cover you or your bike if it is being used in motocross racing events.
Riding in organized events or on tracks is typically considered more risky than casual dirt bike riding. For this reason, it is generally explicitly excluded from your dirt bike coverage.
However, you may be able to get coverage through the racetrack or through a motocross-event specific insurance company.