Compare third-party liability motorcycle insurance | finder.com
Third party motorcycle insurance

Compare third-party liability motorcycle insurance

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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
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes (after 5 years with no incidents or directly bought)
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
Yes (after 5 years of loyalty)
All 50 states
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.

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.

Compare liability-only quotes

While these rates are for cars, you can get an idea of how much liability insurance costs for an average driver in California.

Rates last updated March 13th, 2019
Insurer Best rate Review links
Progressive $998 Read review
Allstate $1,531 Read review
Metromile $1,682 Read review
Liberty Mutual $1,836 Read review
Esurance $1,038 Read review
Average $1,417 Compare more reviews

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.

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Frequently asked questions about liability insurance

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