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Compare third-party liability motorcycle insurance

Get accident coverage for you and your motorcycle.

Not sure if you really need complete coverage for your motorcycle? Consider insulating yourself against the very worst misfortunes with liability coverage instead. If you don’t need much more than the legal minimum for insurance, this is for you.

Compare motorcycle liability insurance

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
On the first accident
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.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
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.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
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.

Compare up to 4 providers

What does third-party liability insurance cover you for?

Liability insurance will pay the bills for any damage you cause in an accident or collision. That includes things like medical bills if you hurt someone and repair or replacement bills for other people’s property. Most policies will have a limit on the maximum amount they’ll cover.

Liability coverage is split into two types, bodily injury and property damage. The first covers damage to people injured in an accident, and the second covers damage to property, including other cars.

Liability coverage is the only motorcycle coverage required in every state. It’s also the only coverage that’s legally required to be offered to every motorcycle rider.

What’s the difference between liability and other insurance types?

Your liability insurance does not pay for any damage your own motorcycle sustains in an accident. This sets it apart from something like collision coverage, which allows you to have your bike repaired or even replaced for much less after a collision. Essentially, liability insurance only covers damage to third parties.

How much does liability motorcycle insurance cost?

Liability-only policies can cost between $500 and $1,000, depending on your personal and driving factors.

  • How well do you drive? The cleaner your driving history and the fewer accidents you’ve been involved in, the less risk you pose to an insurer.
  • How safe is your motorcycle when not in use? If you keep your motorcycle securely locked in a garage when you’re not driving it, there’s much less chance of it being stolen or damaged.
  • What type of motorcycle is it? Certain motorcycles cost more to insure. The smaller the engine, the less dangerous the vehicle and therefore the cheaper the premiums. The age of your bike can also be important.
  • What deductible are you aiming for? With most policies, raising your deductible will drive down the ongoing cost of a policy. Choosing to pay it annually rather than monthly can often help, too.
  • Where do you live? Insurance rates can vary by state, city and even neighborhood.

Does liability insurance have any exclusions?

Your claim might be denied if you break any of these common exclusions. General exclusions that apply to most third-party liability insurance policies include:

  • Involvement in illegal activities. This could involve transporting illegal goods or otherwise breaking the law. This applies even if you were allowing someone else to use your vehicle at the time.
  • Natural wear and tear or damage from neglect. When mold and rust go to town on your motorcycle or you’ve been skimping on maintenance, insurers can refuse to pay up.
  • Breakdowns. Mechanical and electronic failures aren’t covered.
  • Damage to your own property. If your motorcycle damages anything owned by you or your family, you won’t be reimbursed.
  • Unfit drivers. This could mean that the rider doesn’t have a valid or current license or that they’re under the influence of drugs or alcohol at the time of the incident.
  • Reckless driving. Speeding, weaving in and out of traffic or using your bike in a dangerous manner could result in a rejected claim.
  • Unauthorized modifications. If you’ve made changes to your motorcycle or used special lubricants or fuel not agreed to by your insurer, an insurer can refuse to pay out.
  • Driving in an unsafe condition. If you have too many people riding at once, too much stuff loaded onto your bike or you’ve failed to make sure it’s roadworthy, you might end up out of luck when it comes time to claim.

Bottom line

Liability insurance can protect you from the financial and legal ramifications of hurting someone or damaging property in an accident, but it won’t pay to repair your bike. If you’re looking for a more comprehensive policy, compare your options to find the perfect blend of coverage and savings.

Frequently asked questions about liability insurance

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