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Article 1 of 1 in Motorcycle/Off Road Insurance |
Insurance for motorcycles and off-road vehicles |
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State laws differ on whether or not insurance is needed, and if so, how much is required for motorcycles and off-road vehicles. However, it is a good idea to have at least some kind of insurance even if you’re not required to. Click here for links to motorcycle and off-road vehicle insurance requirements by state, including other requirements, such as helmet use and eye protection.
What affects your insurance? Like car insurance, insurers look at various factors to determine what your premium will be, including the type of bike you have (Harley vs. Vespa), your driving record, how much you drive the vehicle (to work everyday or only in the summertime), your age (if you’re under 25 – expect to pay dearly), whether or not the vehicle is kept in a secure location, the mileage you drive in a year, and any training you may have had (most states have a DMV motorcycle program that, if successfully completed, will save you money on your insurance). |
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