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Choosing the Right Insurance Coverage for Your Motorcycle

26 May by 5280 Insurance

Motorcycle riders in Virginia, West Virginia, North Carolina, South Carolina, and Georgia are represented by the Motorcycle Law Group. Except for Virginia, all of these states require motorcyclists to have minimum insurance coverage. Although motorcycle insurance is not legally required in Virginia, motorcyclists who do not get it are assessed a $500 opt-out cost when renewing their registration. It should be noted that yearly minimum coverage premiums are unlikely to be significantly higher than the charge.

The Virginia fee provides no coverage at all. If you are in a motorbike accident, you may not receive reimbursement for your bike’s damage or injuries and may be compelled to pay out of pocket for the damage you cause.

Minimum Coverage in Most States

In most states, the minimum required motorcycle insurance coverage includes:

  • Bodily injury to another person.
  • Bodily injury to yourself.
  • Property damage from an accident you cause.

However, requirements vary from state to state, so it is important to research the minimum requirements for your state.

The minimum bodily injury coverage is the most important to pay attention to. It is the minimum amount of coverage you must carry to protect yourself and others if you get in a motorcycle accident. This amount is the same in nearly all states, and the coverage is usually expressed in numbers of thousands.

For example, in North Carolina, you must carry $30,000 in bodily injury coverage. That means if you are in an accident that you cause and you are deemed responsible, your insurance will pay up to $30,000 to your victim to cover medical expenses, rehabilitation, and other out-of-pocket costs.

In most states, you must carry a minimum of $20,000 in bodily injury coverage.

Types of Motorcycle Coverage

It’s critical to remember that the bare minimum of property damage coverage is meant to be used on your behalf if you cause an accident that destroys someone else’s property. It is not meant to cover repairs to your own bike.

Collision coverage will pay for your own repairs if your bike is damaged in a collision with a car or if you are hit with a fixed object such as a tree, light post, or fence.

1. Comprehensive Coverage

Motorcycles face more dangers than just collisions. Comprehensive coverage will pay for repairs or replacement if your bike is stolen, vandalized, or damaged in a natural catastrophe such as a fire or floods.

Because life is full of unanticipated occurrences, you should seriously consider comprehensive insurance if you want your insurance to cover as many potential risks as possible.

2. Collision Coverage

Collision coverage is the minimum amount of coverage required by most states. It will pay for your repairs or replacement if you have a crash with another vehicle or a fixed object. It is important to note that most motorcycle insurance policies do not pay for vandalism or theft. You may have to get special policies for these types of coverage.

3. Other Types of Coverage

Most insurance companies also offer additional coverage you can add to your collision and property damage coverage.

Underinsured/Uninsured Motorist Coverage

You can add on underinsured/uninsured motorist coverage to protect yourself in case you get in an accident with a driver who does not have enough insurance to cover your expenses in an accident. Underinsured/uninsured motorist coverage will pay for your expenses if the other driver is at fault for an accident you are in and does not have enough insurance to cover your expenses.


Finding the right insurance for your ride is usually a matter of balancing price, coverage, and your personal preferences. You should consider all of the factors that affect your decision when buying motorcycle insurance. The best way to ensure you get the coverage you want and need is to compare motorcycle insurance quotes from various insurance providers.

At 5280 Insurance we’re committed to a local experience. That’s why when you call us, you’ll speak immediately with a real person. We don’t have automated systems. We don’t have long wait times. We don’t transfer you to multiple departments. Calling us is like calling a friend. We’re here for you, and we aren’t going anywhere. Get a motor insurance quote from us today!

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