Motorcycle insurance coverage, explained

A motorcycle policy is built from several coverages. Here is what each one actually protects.

By the InsuranU team Updated July 20264 min read

Understanding each piece of a motorcycle policy helps U choose coverage that actually fits how U ride.

Liability

Covers injury or property damage U cause to others. This is the coverage most states legally require.

Collision covers damage to your own bike in an accident. Comprehensive covers theft, fire and non-collision damage.

Covers your injuries if the at-fault driver has no insurance, or not enough, which matters more for motorcyclists given injury severity.

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More from the motorcycle insurance checklist.

Optional coverages worth considering.

Protecting the gear that isn't attached to the bike.

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Is collision coverage required by law?

No, only liability is typically required. Collision protects your own bike.

Do I need uninsured motorist coverage?

It is optional in many states but valuable, especially given the injury risk on a motorcycle.

Tell us about your motorcycle and your life. We will match you with quotes built around U.