Motorcycle Insurance Laws

Written by Cybele Phillips
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Motorcycle insurance laws differ from state to state. Some states do not require that riders have any insurance at all, while others ask that all motorcyclists carry liability coverage. If you are a rider moving to a new state, or are purchasing a motorcycle for the first time, be sure to check with your local DMV to ascertain what type, if any, of insurance coverage you must carry.

Motorcycle Insurance Laws: General Information

If you live in a state that does not require you to carry insurance, it is important to remember that you will be legally liable for the costs of any damages or injury that you cause in an accident where you are at fault. Additionally, if you are involved in an accident with an individual who has no insurance and you have no coverage of your own, you will receive no compensation for medical bills or damage to your machine. Many people choose not to carry insurance because it is so expensive, however, it can save you a considerable amount of money in the long run.

If you do live in a state that requires you carry liability coverage, motorcycle insurance laws are much like those governing automobiles. It is illegal to ride without coverage, and many such states will not issue you a license until you can provide proof of coverage. If you are involved in an accident while uninsured, you will be personally responsible for all injury and/or damages caused.

More and more riders are choosing to carry motorcycle insurance, whether they are required to or not, as a way to protect themselves and their machines. There are many different types of coverage that fall within a large range of prices, so there is sure to be a policy that will fit your needs as well as your budget. When looking for insurance, it pays to compare a variety of policies in order to find the best deal as rates can vary significantly between different insurance companies.


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