< path d="M52.6178 31.3114L44.7476 60.6733L74.1095 68.5435L81.9797 39.1816L52.6178 31.3114Z" fill="#F9C32D"/>

Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare seasonal motorcycle insurance

Cover your bike for ride-worthy seasons and save when it’s collecting dust.

Avatar
Sarah George
Updated
Fact checked

Narrow down motorcycle insurers offering seasonal coverage by states served, roadside assistance, accident forgiveness and more to get a quote.

1 - 6 of 6
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
USAA motorcycle insurance
USAA motorcycle insurance
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get quotes
More Info
Elephant
Elephant
loan/lease coverage
Yes
No
No
GA, IL, IN, MD, OH, TN, TX, VA
Get a great deal online with steep discounts and some of the highest liability limits available.
Get quotes
More Info
Liberty Mutual motorcycle insurance
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
Get quotes
More Info
AAA motorcycle insurance
AAA motorcycle insurance
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
More Info
Savvy
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Get quotes
More Info
loading

Compare up to 4 providers

We compare the following providers

View more
Start comparing

Seasonal motorcycle insurance provides coverage for the seasons you ride in the most — spring, summer and fall. And it reduces your coverage and your premium when winter comes around. Compare seasonal, lay-up, temporary or motorcycle storage policies.

How does seasonal motorcycle insurance work?

Different companies handle seasonal motorcycle insurance in different ways.

For example, many northern companies offer motorcycle lay-up policies, in which all coverage except comprehensive is suspended during winter months — which covers your bike if, say, a tree falls on your garage. These policies offer both flexibility and savings since policyholders don’t have to maintain full coverage or cancel the policy entirely.

Other companies may not offer a specific lay-up policy but do allow similar reductions if asked. In this case, you’ll likely need to speak with a representative to work out the situation.

Once you’ve purchased a seasonal motorcycle policy, you can use your motorcycle under your policy’s protection during the seasons stated in your policy. These usually include spring, summer and fall.

In the off season, however, you should refrain from using your bike at all, since it won’t be fully insured. If you’re maintaining comprehensive coverage, your insurance company may also require you to store the bike in a garage.

What’s included with seasonal motorcycle insurance?

Seasonal motorcycle insurance can cover all your basic needs plus any add-ons. However, the main characteristic of this policy is that it won’t cover the months you choose to forgo insurance.

Coverage that may be included during your policy period:

  • Liability. Pays for expenses related to bodily injuries or vehicle damage inflicted on another driver.
  • Collision. Covers physical damage to your motorcycle when you’re at fault.
  • Comprehensive. Pays for damages not related to collisions — like theft, weather damage or vandalism.
  • Uninsured/underinsured motorist. Protects you from other drivers without enough insurance to cover accident damages.
  • Loan/lease gap. Provides coverage for total loss accidents in which you still owe money on your loan or lease.
  • Medical payments. Covers expensive medical bills for you and your passengers stemming from an accident.
  • Roadside assistance. Provides minor roadside repairs and towing if your bike breaks down.
  • Trip interruption. Pays for lodging, food and transportation should your motorcycle break down away from home.
  • Safety gear. Covers your protective gear such as your helmet, boots or eyewear.
  • Optional motorcycle equipment. Protects customizations you’ve added to your bike, like extra chrome.

    Is seasonal motorcycle insurance worth it?

    Opting for seasonal coverage could save money and prevent waste since you’re not paying for motorcycle insurance all year long. This coverage works well for drivers who:

    • Ride only during certain seasons and not in others, like winter
    • Want to save money
    • Need less than full protection for their bikes while in storage

    What if I can’t get seasonal motorcycle insurance?

    If your current insurance company doesn’t offer seasonal motorcycle insurance, you’ll need to maintain coverage and pay a premium year-round. It’s not ideal for saving money, but could help you stick with your current preferred insurer and keep any perks like a loyalty discount, claims-free bonus or accident forgiveness.

    Another option is to cancel your policy for the winter. Keep in mind, though, that canceling a 12-month policy early may not provide the same savings. That’s because some insurance companies factor the usual riding season into their rate already, providing a lowered rate year-round. In addition, your insurance company may choose not to insure you again if it sees a cyclical pattern of canceling and renewal.

    Seasonal motorcycle insurance in action

    Jackie loves riding her motorcycle in her small Pennsylvania town during most seasons. But she knows she’ll stop riding once the cold weather hits. Jackie calls her current insurance company to see whether it offers lay-up policies.

    She discovers that it doesn’t have an official seasonal policy, but the company agrees to reduce her coverage during the winter months. The reduced policy will provide Jackie with minimal liability limits and higher deductibles on all other added coverage. This situation proves ideal for Jackie, who may want to take her bike out for a ride during an unusually warm winter day.

    What’s not covered by seasonal motorcycle insurance?

    Under a seasonal motorcycle policy, coverage varies based on the current season of the year. Usually, spring, summer and fall will provide full protection for the coverage you choose to purchase.

    However, during the off season, your coverage will be suspended or reduced. Note that comprehensive coverage often remains intact during this time. Coverage that may get suspended or reduced includes:

    • Liability
    • Collision
    • Optional equipment
    • Uninsured/underinsured motorist
    • Loan/lease gap
    • Medical payments
    • Roadside assistance
    • Trip interruption
    • Safety gear

    Bottom line

    Seasonal motorcycle insurance can offer savings if you’re not using your motorcycle during certain seasons, like winter. In effect, this policy means your bike may not be adequately insured for riding during the off-season.

    Compare motorcycle insurance options for the right amount of seasonal coverage for you.

    Frequently asked questions

    More guides on Finder

      Ask an Expert

      You are about to post a question on finder.com:

      • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
      • finder.com is a financial comparison and information service, not a bank or product provider
      • We cannot provide you with personal advice or recommendations
      • Your answer might already be waiting – check previous questions below to see if yours has already been asked

      Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

      By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

      Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
      Go to site