Motorcycle Insurance Laws State-By-State

Safety is always the cheapest and most effective insurance policy. But when it comes to accidents, it's not always enough.

Every state has different policies regarding required and optional insurance coverages. Click on one of the states below to find out more about its motorcycle insurance laws and requirements.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas

Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina

North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Motorcycle Insurance Terms Explained

• Bodily Injury Liability – Covers other people's bodily injuries or death for which you are responsible.
• Property Damage – Damage done to public or private property, caused by a person who is not its owner.
• Uninsured Motorist Coverage – Pays benefits to the policyholder who has been injured by a motorist carrying no insurance.
• Underinsured Motorist Coverage – Pays benefits to the policyholder who has been injured by a motorist holding insurance coverage too inadequate to pay the claim.
• Medical Expense Coverage – Pays for medical, hospital, lost income, and disability expenses on behalf of the policyholder. Also referred to as First-Party Coverage or Personal Injury Protection.