Why Do You Need Motorcycle Insurance?
Riding with motorcycle insurance (and the right motorcycle helmet) is the smartest way to ride. Motorcycle insurance is essential for meeting your state's minimum coverage requirements and handling the cost of repairs and accidents if anything happens to you, your bike, or a passenger while you are on the road.
Cheap Motorcycle Insurance with Direct
Direct Auto offers cheap motorcycle insurance without compromising quality service. In addition to protecting your bike, we can also cover your car and more. Plus, you’ll have the peace of mind that comes with knowing that we're a trusted member of the Allstate® family.
Discounts for Motorcycle Insurance
Save money with a multi-policy discount** when you buy a motorcycle insurance policy with an auto or commercial policy. Additional location-based discounts may also be available.
What does motorcycle insurance cover?
Motorcycle insurance policies include a range of options designed to protect you, your bike, and your passengers.
Standard Motorcycle Insurance Coverage
- Bodily Injury Liability Coverage
Pays for medical and legal protection should you cause bodily injury to another person while operating your motorcycle. - Property Damage Liability Coverage
Pays for damage to another's property caused while operating your motorcycle. - Guest Passenger Liability Coverage
Helps cover expenses for injuries or death of your passenger you caused while operating your motorcycle. - Collision Coverage
Helps pay for loss or damage to your motorcycle due to colliding with another object. - Comprehensive Coverage
Helps pay for loss or damage to your motorcycle from theft, vandalism, flood, fire or other covered disasters. - Personal Injury Protection
Helps cover certain medical expenses for you, motorcycle passengers, and pedestrians in no-fault insurance states. - Uninsured Motorist Coverage
Covers bodily injury and property damage for you and your motorcycle passengers in an uninsured accident. - Medical Payments Coverage
Covers medical and funeral costs for you and other insured individuals due to injury or death from a motorcycle accident.
Specialized Motorcycle Insurance Coverage
- Custom Parts and Equipment Coverage
Pays for motorcycle accessories like saddlebags, backrests, seats, levers, chrome pieces, and CB radios if you have comprehensive and collision coverage. - Motorcycle Replacement Coverage
Provides a comparable new motorcycle if your bike is totaled or stolen and not recovered within its first two model years. - Towing Coverage
Covers emergency towing costs (up to the limit selected) when your covered motorcycle cannot be driven.
Do you cover all types of motorbikes?
We offer coverage for many motorcycle types under 30 years old that are not used for racing, speed tests, stunt jumping, or business/commercial use, including:
- Cruisers
- Touring
- Performance
- Dirt bikes
- Scooters