State minimum motorcycle insurance requirements |
motorcycle insurance by state

State minimum motorcycle insurance requirements

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Compare motorcycle coverage by state

Every state has its own requirements for how much insurance a vehicle needs, and those laws break down by type of vehicle as well. Motorcycles have to follow the same liability limits as cars, but any coverage beyond that is largely up to the driver. Find the motorcycle insurance requirements and laws in your state to start your motorcycle insurance comparison.

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Minimum motorcycle requirements in each state

Motorcycle and car liability limits are the same in every state. That includes bodily injury liability and property damage liability, which cover damages to people and property involved in an at-fault accident.

You’ll see limits like 25/50/25, which breaks down to bodily injury maximums per person, bodily injury maximums per accident and property damage liability.

That means in an accident, whoever’s at fault will use their insurance to pay for any costs up to $25,000 for each injured person’s medical bills and other costs, $50,000 total for everyone injured in that accident and $25,000 in damaged property, including the other driver’s car.

StateRequiredBodily injury & property damage liability coverage
FloridaNo10/20/10 recommended
KentuckyYes25/50/10 or 60 combined per accident
MontanaNo25/50/20 recommended
New HampshireNo25/50/25
New JerseyYes15/30/5
New MexicoYes25/50/10
New YorkYes25/50/10
North CarolinaYes30/60/25
North DakotaYes25/50/25
Rhode IslandYes25/50/25
South CarolinaYes25/50/25
South DakotaYes25/50/25
UtahYes25/65/15 or combined 80 per accident all damages
WashingtonNo25/50/10 recommended
West VirginiaYes25/50/10
Washington DCYes25/50/10

Compare state minimum motorcycle insurance policies

Name Product Roadside assistance Accident forgiveness Available states
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Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
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USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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Why is motorcycle insurance not required in some states?

Arizona, New Hampshire and Virginia don’t require you to have vehicle insurance, but they do require you to be able to pay for damages you cause in an accident. In Arizona, you’ll need to prove you can pay for damages you cause in an accident by depositing a check with the state’s treasury or DMV. Virginia charges an annual fine for driving uninsured.

Why do motorcycles have different insurance requirements?

In general, motorcycles have to follow the same liability limits as cars. But unlike with cars, motorcycles aren’t required to have uninsured coverage or personal injury protection (PIP). For some states and insurers, you won’t even be able to get uninsured coverage or PIP for motorcycles.

Personal injury protection covers your medical bills regardless of who’s at fault in an accident. Those costs tend to be higher for bikers because they have a higher chance of being injured or having more severe injuries than car passengers or drivers. Insurance companies want to limit the amount they’ll have to pay out in a claim, so they might exclude motorcycles from PIP coverage.

Bottom line

Motorcycles are still required to meet the same liability coverage minimums as cars. But you’re not required to meet the same standards for personal injury protection and uninsured motorist coverage. You might still need to get additional coverage to protect you, your passengers and your bike, so it pays to compare motorcycle policies to find the best deal for you.

Your questions about bike insurance, answered

Roslyn McKenna

Roslyn McKenna is the publisher for car insurance at Finder. Her writing has helped readers compare finance, travel, technology and other topics, and she was a top author for the PetSafe blog for five years. Roslyn has a Bachelor of Arts in Writing and Communications and a home full of pets. Her goal is to help people get a great deal on car insurance so they can enjoy the ride.

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