How Does Motorcycle Insurance Work

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If you’re required to carry motorcycle insurance, it makes sense to know how it works, right?

Lucky for you, it’s pretty simple. 

How Does Motorcycle Insurance Work?

Here’s the quick answer:

Motorcycle insurance works just like car insurance. If you are responsible for causing an accident, your insurance coverage will protect you from financial liability. 

Depending on the type of coverage you choose, your motorcycle insurance policy may also pay for damage to your bike for other reasons, replace your bike if it is stolen, and provide roadside assistance if you break down. 

When Do Motorcycle Insurance Payments Kick In?

Your motorcycle insurance policy typically covers you for a period of 6 months. Your policy will carry a premium, which is simply the 6-month cost of your policy. 


You’ll often have the option of paying your premium monthly, in-full, or half-and-half.

The premium is the cost to maintain coverage throughout the policy period in the event you need to file a claim. 

Next, your policy will also have a deductible (which you elect). The deductible is your out-of-pocket cost before your coverage limits kick in. 

So, when does your motorcycle insurance policy actually pay for damages?

First, in the event of an accident, theft, or other damage to your bike, you’ll need to contact your insurance provider and go through their claims process. 

Next, they’ll review the claim to determine if and how your policy (or another driver’s policy) covers it. 

Finally, you’ll need to pay any necessary deductibles towards the cost of repair or replacement, and then your insurance coverage will kick in. 

If you are the one who was responsible for the accident, your liability coverage will be used to pay for the other person’s injuries and property damages. 

If the claim is approved, the amount your motorcycle insurance policy will pay will depend on the limits of your coverage. 

Types of Motorcycle Insurance Coverage

Just like there are many different types of motorcycles, there are different types of motorcycle insurance coverage you can choose to pay for. The right policy for you will depend on a variety of factors.

At a minimum, you’ll need to find a policy that satisfies your state’s minimum liability coverage limits. 

Remember, liability coverage protects you financially when you are at fault for an accident. 

Coverage beyond that can pay for damages that occur outside a typical accident or theft. 

Common types of motorcycle coverage includes:

  • Comprehensive coverage.
  • Collision coverage.
  • Uninsured/underinsured coverage.
  • Medical payments. 
  • Towing and roadside assistance.
  • Equipment and accessories coverage. 
  • Passenger protection coverage.
  • Total loss coverage.

Motorcycle insurance policies will not cover your bike if it is used for racing and commercial purposes. Normal wear and tear and maintenance is also not covered by your insurance policy. 

How Much Does Motorcycle Insurance Cost?

The total cost of your motorcycle insurance policy will depend on a variety of factors. 

The mains ones include:

  • Your age. 
  • Where you live. 
  • The type of bike you have.
  • How much riding experience you have.
  • How often you ride. 
  • The type of coverage you have and your deductibles. 
  • Your accident and claim history. 

Learn more about how much motorcycle insurance costs here.

If your premiums are getting too high, learn how to get cheap motorcycle insurance.  

And, if you’re ready to start comparing quotes. Get started here!