Motorcycle Insurance


Customize Your Coverage Options  
A motorcycle insurance policy provides protection for most types of bikes, including standard motorcycles, scooters, trikes, classic bikes, touring bikes, and other various two-wheeled vehicles. For as many types of bikes that can be insured, there are almost as many policy coverage options to protect them.

When shopping for motorcycle insurance, begin by checking your state minimum requirements to know what coverage options you need to ride legally. It is important to note, however, that meeting minimum requirements does not mean that your motorcycle will be covered in all instances.

Consider these additional coverage options:

  • Collision and Comprehensive Coverage
  • Accessory Coverage - (to protect sidecars, custom electronic devices, etc.)
  • Uninsured Motorist Coverage

Motorcycle Insurance FAQs 

Do I need motorcycle insurance? 
Yes. Just like car insurance, motorcycle insurance (and proof of insurance) is legally required in every state. Each rider should be properly insured with coverage that at least includes bodily injury and property damage.

How much is motorcycle insurance?
Motorcycle insurance can be costly due to the associated risk. Driver age and driving record will also play a role. Of course, the type of bike is one of the determining factors. A bike that is newer, smaller, and faster will cost more to insure than others since they're at a higher risk for accidents, while an older model may cost less to insure because of its size and lower horsepower. 

Is motorcycle insurance cheaper than car insurance? 
In some cases, this may be true, but not always. Because motorcycles usually cost less than cars and are cheaper to replace or repair, it's understandable to think insurance would follow suit. But other factors like location, coverage options, and motorcycle type can add up and lead to premiums that are more expensive than those for car insurance.

Ready to get a quote?

Kemper provides motorcycle insurance coverages through non-affiliated insurance companies to help you save time and money. You'll be able to customize your coverage during the quote process so you can find a rate that will protect your motorcycle and fit your budget.