Just like car insurance, the majority of states in the US require you to carry motorcycle liability insurance if you plan to ride on public roads.
In order to operate your vehicles – including your motorcycle – on the street, it needs to be titled and registered with your state DMV.
In most states, one of the registration requirements is to carry at least the minimum amount of insurance coverage for bodily injury and property damage in the event of a crash.
Bodily injury coverage and property damage coverage protects you if you are at fault in an accident. You can elect to get extra coverage for yourself and your bike regardless of who is at fault, that’s up to you.
Each state sets minimum required coverage levels for the following:
- Bodily injury coverage for a single person who is injured or killed in an accident.
- Bodily injury coverage for two or more people who are injured or killed in an accident.
- Property damage coverage for any property that was damaged during an accident.
The states that do not have a requirement for motorcycle insurance are:
However, if you plan to ride your motorcycle on public streets, motorcycle insurance is a good idea even in these states with no requirements. If you are at fault in an accident resulting in injury, death, or property damage, you are still financially responsible.
Motorcycle Insurance Requirements by State
Find your state below to see the minimum amounts of coverage you’ll need to legally operate and register your motorcycle for use on public roadways.
Coverage requirements are expressed as (Bodily Injury Single Person) / (Bodily Injury Multiple People) / (Property Damage). e.g. 25/50/15
|State||Motorcycle Liability Insurance Requirement|
|New Hampshire||No Requirement|
How Much is Motorcycle Insurance?
Like car insurance, the cost of your motorcycle insurance premium will depend on:
- Your age, demographics, and riding history.
- Where you live.
- The bike you own.
A typical range for the annual cost of motorcycle insurance is around $200 to $500.
You can make sure you’re getting the cheapest motorcycle insurance by sticking with the required state minimum coverage and electing for higher deductibles for any comprehensive coverage.