Motorcycle Insurance

You know that riding with motorcycle insurance (and the right motorcycle helmet) is the smartest way to ride. What you may not know, however, is that it's possible to get the cheap motorcycle insurance you want plus the quality service you deserve. With Direct Auto Insurance, you could even save money on your other insurance policies, too. Like all the products and services that Direct Auto provides, our affordable motorcycle insurance policies could help you save money and get more coverage for less.* 

Perks of Cheap Motorcycle Insurance with Direct Auto 

Why should you go with Direct Auto to protect your bike? At the very least, having cheap motorcycle insurance will help you meet your state's minimum coverage requirements for motorcycle riders.

You also need coverage so that if anything happens to you, your bike, or a passenger while you are on the road, you can more easily handle the repairs and expenses that follow.

Direct Auto Insurance understands your needs as a motorcycle rider and owner. Our aim is to save you money while providing the coverage you need and the exceptional service you deserve. We not only have experience with motorcycle insurance; we offer coverage that can protect your car, your life, and more. Plus, you’ll have the peace of mind that comes with knowing that Direct Auto Insurance is a trusted member of the Allstate® family.

Bodily Injury Liability Auto Coverage

Pays for medical and legal protection should you cause bodily injury to another person while operating your motorcycle. 

Motorcycle Guest Passenger Liability

In states where Motorcycle Guest Passenger Liability Coverage is separate from bodily injury liability, this coverage will pay for bodily injury, including medical expenses, or death to a passenger on your covered motorcycle for which you or another insured driver under your policy are legally responsible as a result of motorcycle accident.

Property Damage Motorcycle Auto Coverage

Pays for damage to another's property caused while operating your motorcycle.

Collision Motorcycle Coverage

Pays for loss or damage to your motorcycle as a result of colliding with another object or the vehicle overturning.

Comprehensive Motorcycle Coverage

Pays for loss or damage to your motorcycle from theft, vandalism, flood, fire or other covered disasters.

Medical Payments Motorcycle Coverage

Pays for medical and funeral expenses incurred by you and certain others insured under your policy as a result of bodily injury or death caused by an motorcycle accident.

Personal Injury Protection

In states with No-Fault insurance, this pays, within state specified limits, certain medical expenses of the insured driver, motorcycle passengers and pedestrians.

Uninsured Motorist Motorcycle Coverage

Pays for bodily injury and/or property damage sustained by you and passengers on your covered motorcycle in an accident for which the person legally liable does not have insurance.

Custom Parts and Equipment or Accessories Coverage

If you carry Comprehensive or Collision, this coverage pays for accessories on your motorcycle. Coverage specifics do vary by state, though additional coverage may be purchased. Accessories might include, but are not limited to:

  • saddlebags
  • backrests
  • seats
  • levers
  • chrome pieces
  • CB radios


Custom Parts and Equipment Coverage is not available in North Carolina.

Motorcycle Replacement Coverage

If you carry Comprehensive and Collision coverage, you can purchase this coverage which will provide a replacement motorcycle of like kind and quality if your motorcycle is declared a total loss for reasons other than theft or mysterious disappearance. This coverage does not apply to optional or custom parts or equipment.


Covers emergency towing costs (up to the limit selected) when your covered motorcycle cannot be driven.

Learn More About Cheap Motorcycle Insurance

Ready to see if you're eligible for a cheaper motorcycle insurance rate? Now is your chance. Start with a quick and easy motorcycle insurance quote with Direct Auto. Call us at 1-877-GO-DIRECT for one-on-one help finding great rates on affordable motorcycle insurance policies. There's a reason some motorcycle riders choose Direct Auto!

For more on motorcycle insurance coverage, check out our Frequently Asked Questions

*Not available in all states

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