Compare and save on motorcycle insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
Compare and save on motorcycle insurance
Enter your ZIP code to see insurers near you.
Your information is secure.
You can get insurance for a salvage motorcycle that you’ve restored to roadworthy status. However, you might find comprehensive or collision coverage hard to get since providers can’t pinpoint the true value of your bike. To get back on the road legally, clear your bike’s rebuild with a state-approved inspection and then apply for standard or specialty salvage insurance.
A salvage title motorcycle means that the bike is declared a total loss after an accident. Insurance companies declare motorcycles a total loss when repairs cost a high percentage of the bike’s value. Typically, providers declare this loss if repairs total between 75% and 90% of the market value. The provider sells the motorcycle to a salvage company who then registers it with a salvage title.Some states won’t allow rebuilt titles for bikes that are declared nonrepairable, meaning you can’t ride on public roads only private property.
Not every provider covers a motorcycle with a salvage or rebuilt title. When you find one that does, you may face these extra steps to acquire a policy:
Some providers limit the coverage you can get to state minimum liability only and may steer clear of protection for physical damage or modified parts. You might find wider protection in specialized providers instead. Coverage to consider:
Salvage motorcycles could be a great buy, or they may not be worth the money you paid for them. Situations to keep in mind with salvage bikes:
The difference between these damaged motorcycles could mean backyard riding and track days only or riding on the open road.
Getting insurance on a salvage bike can get tricky because the motorcycle has been declared unfit for the road. To get it approved for the road and for insurance, you might need safety tests, inspections and a rebuilt title to prove its roadworthiness.
Compare motorcycle providers who offer the coverage you need at the best value.
You’ll need to prove ownership and insurance before getting your license plate handed to you.
Find customized coverage fit for your rental customers or crew.
Does your city or state rank on these foreboding lists?
You might need specialty insurance for bike racing, unless your insurer gives the green light on noncompetitive events.
This colonial state has a history of low-cost bike insurance, but also bike theft.
You won’t need a license if your bike falls under the state’s moped category. But you’ll need liability insurance to safely and legally drive in NC.
Get the coverage you need for your three-wheeler.
AMA offers free roadside assistance to members.
How to get coverage after a DUI.