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Compare custom motorcycle insurance
Protect your motorcycle's custom mods from damage in an accident.
How do I get custom motorcycle insurance?
Check with your preferred motorcycle insurance companies to see their policy on insuring custom motorcycles. Not every motorcycle insurer covers custom bikes, and others limit their coverage.
For example, Progressive covers modified motorcycles, unless they’re made from a kit, rebuilt, have a replaced frame or have a state-assigned VIN. Some customizations might be eligible only for liability coverage.
Where you might find custom motorcycle insurance:
- National insurers. These companies may list customizations that they cover online. Otherwise, contact a representative for details about your specific bike.
- Custom motorcycle insurers. Insurers who specialize in custom bikes might offer the best customer service and high-level access to rare parts. However, you might find higher premiums.
How do I know if an insurance company will cover my custom motorcycle?
Aside from asking the insurer directly, find out if your bike is listed under the National Automobile Dealers Association (NADA) Appraisal Guide. If an insurer lists custom bike coverage as an option and your bike is in the NADA guide, you should be able to get coverage.
What if I own a special construction?
Your best bet when insuring a special construction bike is a specialty motorcycle insurance company like Foremost. However, some national insurers offer policies with only liability coverage.
With a liability-only policy, you’ll be responsible for any damage that happens to your bike if you’re at fault in a vehicle accident.
What insurance coverage do I need for a custom motorcycle?
While every specially made bike needs insurance to be street legal, you might want to protect yourself from paying for all your mods out of pocket if you’re in an accident. Helpful coverage to consider:
- Custom or modified parts. Coverage for your decked-out bike beyond the factory features.
- Replacement cost. This add-on shields you from losing cash to depreciation if your two-wheeled steed gets totaled and needs replacement.
- Agreed value. A step above replacement cost, opt for a policy that pays out on the agreed upon value of your custom bike, a perfect choice for specialty modifications.
- Original manufacturer parts. OEM parts guarantees top quality parts from the original make, rather than a knock-off.
- Accessories. This coverage can protect your saddlebags, eyewear, leathers or other accessories you use for your ride.
Do different custom motorcycles need different insurance?
No. Although custom motorcycles can vary by make, model and size, they all fall under the same state laws and insurance requirements.
However, you can choose from a variety of coverage options based on what’s important to you. For example, you might want to cover your chopper with replacement cost, OEM and modified parts coverage to keep the bike — and its extra chrome — in mint condition. But a cruiser with a switched-out engine might only need modified parts coverage.
Compare custom bike insurance providers
How to get cheap custom motorcycle insurance
Because custom bikes tend to cost more, you might expect your motorcycle policy to transcend standard $200 to $500 premiums. Yet you’re likely to find savvy savings with a few simple tips:
- Safety features. Installing safety devices that could land you discounts, including airbags, antilock brakes or antitheft devices.
- New bike discounts. Cruise into this easy discount when you choose a brand new bike.
- Defensive riding courses. Insurers love rewarding riders who know the safety rules and stick by them.
- Garage storage. You might qualify for savings by tightening access to your bike.
Seasonal policies. National or specialty bike insurers often offer lay-up policies that give you a break on insurance when your bike is garaged for the off season.
- Higher deductibles. While you might need extra coverage to shield you from expensive damage, you could go with a higher deductible to offset the insurance cost.
- Classic or collector insurance. If you take your bike to shows and don’t ride much, you might qualify for classic or collector motorcycle insurance, which typically offers a lower premium.
What to watch out for
There are options for your tailored bike, but there are a few negatives to consider:
- Not naming all modifications. Insurers may not cover certain modifications like turbo or nitro kits. But not disclosing them could mean that at best, you’ll pay to replace them out of pocket if they get damaged. At worst, your company might consider it a breach of contract and deny future coverage.
- Unsafe riding temptations. Customizing for more speed or attention-grabbing noise could tempt you or other riders to make unsafe moves on the road. Because motorcycles offer much less protection than cars, they carry severe injury risks far above other vehicles.
- Assuming custom parts coverage. It’s easy to forget to update insurance if you modify your bike long after first insuring it. Check on coverage each time you update your bike.
Custom motorcycles might need quite a bit more coverage than standard steeds, depending on the value and number of customizations. Yet you can take the reins on your savings by installing safety features, locking up your bike and only getting broad coverage during riding seasons.
Find the best value when you get several motorcycle-friendly insurance quotes.
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