Motorcycle insurance requirements by state

Minimum coverage requirements vary by state. Here is what to check before U ride.

By the InsuranU team Updated July 20263 min read

Every state sets its own minimum motorcycle insurance requirements, and riding without meeting them carries real risk.

What most states require

Your state's department of motor vehicles or insurance department website will list the exact minimums for motorcycles.

State minimum liability typically will not cover damage to your own bike, or a serious injury claim beyond a modest limit.

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More from the motorcycle insurance checklist.

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What each part of a policy actually protects.

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Are motorcycle requirements the same as car insurance requirements?

Often similar, but not always identical. Check your state's specific motorcycle rules.

Is state minimum coverage enough?

It meets the legal requirement, but often leaves real gaps in protection.

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