About Motorcycle Insurance
Motorcycle coverage traces back to 1914 when the American Motorcycle Association pushed for liability protections as bikes gained popularity; by 1920, insurers were adapting auto policies to cover two wheels.1
New York began requiring proof of financial responsibility for motorcycles in 1956, and today 47 states mandate liability coverage while 18 require helmets and 20 require some form of medical payment or PIP, so policies must reflect both riding style and state law.2,3
Modern carriers add OEM parts guarantees, gear protection, and telematics discounts, Progressive's Snapshot program, for example, lowers rates for riders who track mileage and braking, so we tailor submissions to each bike, from Hudson Valley commuters to Adirondack tourers.4
Coverage Highlights
Motorcycle policies mirror auto insurance but add specialized support for gear, accessories, and touring needs.
- Bodily Injury & Property Damage Liability: Satisfies New York's financial responsibility requirements and protects you if you injure someone or damage property.1
- Comprehensive & Collision: Repairs or replaces your bike with OEM parts after crashes, theft, vandalism, fire, or weather losses.2
- Accessory & Custom Parts Coverage: Insures chrome, paint, saddlebags, helmets, and riding gear beyond the standard $3,000 accessory limit many policies include.3
- Uninsured/Underinsured Motorist & Medical Payments: Covers injuries caused by drivers with little or no insurance, a common risk for riders at intersections.4
- Roadside Assistance & Trip Interruption: Pays for towing, lodging, and meals if a covered breakdown or loss leaves you stranded on a tour.5
- Transport Trailer & Spare Bike Options: Extends coverage to motorcycles hauled in trailers or stored seasonally, and even protects borrowed or demo bikes.6
