Arizona requires drivers of any motor vehicle being operated on Arizona roadways to demonstrate financial responsibility for their motor vehicle. This includes golf carts, motorcycles, and mopeds. The only statutory (or ‘legally acceptable’) form of proving financial responsibility for your vehicle in Arizona is liability insurance, unless you own ten or more vehicles. To be sufficiently protected, Arizona motorcycle riders must purchase a motorcycle liability insurance policy through a company that is authorized to do business in Arizona.  We offer free quotes on Arizona motorcycle insurance policies both liability and full coverage Liability Motorcycle Insurance: Minimum Financial Responsibility Limits Liability motorcycle insurance and other auto liability insurance policies must be prepared to award at least the following coverage amounts to satisfy state motorcycle insurance requirements:

• $15,000 bodily injury liability coverage per person
• $30,000 bodily injury liability coverage per accident
• $10,000 property damage liability coverage per accident

These minimum motorcycle insurance amounts are only applied toward damages and costs associated with the injuries or property damage sustained by other parties. This means that Arizona liability motorcycle insurance will never protect you from your medical bills or motorcycle repair costs. To get better coverage that will always take care of you and your passenger no matter who is at fault in an accident, visit our full coverage motorcycle insurance page. Uninsured Riders: Do I Have to Buy Motorcycle Insurance? For the owners of 10 or more vehicles, there is always the option of self-insurance. By paying a self-insurance fee, any individual who owns at least 10 vehicles is allowed to assume the risk for all of their actions on Arizona roads without purchasing an auto liability policy. This is a very risky maneuver considering just one day in the hospital can easily cost more than 10,000.00, and without insurance, the driver or rider must pay every penny of medical bills and property damages from their pocket. Arizona Law enforcement officers may ask you for proof of insurance during traffic stops or after traffic accidents. Insurance companies are also required to notify the Arizona Department of Motor Vehicles of all insurance policy cancellations, non-renewals, and new policies. If your insurance company informs us that your motorcycle insurance policy is no longer active, we will send an inquiry notice to verify the status of your motorcycle insurance policy. Failure to maintain insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with us. The future proof requirement is most commonly an SR22 form from an insurance company. This can be expensive to the vehicle owner, especially since the law requires the owner to carry the SR22 for three years from the date of suspension. Click on the get quotes button below to get started requesting your free Arizona motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

State minimum requirements in Arkansas

In order to drive legally in Arkansas, you’ll need liability insurance that includes:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident

When shopping for motorcycle insurance, you may see these liabilities written as 25/50/25. Some states require that you have uninsured or underinsured motorists coverage, meaning that if you get in an accident with a driver without enough coverage, your insurance will still protect you. Arkansas is an opt-out state, so while insurance companies are required to offer you this coverage, you have the option to actively opt out. If you choose to opt out and get in an accident, your insurance company will usually pay for some of your bills. In Arkansas, you’re required by law to have proof of motorcycle insurance and vehicle registration every time you drive. Failure to provide proof of insurance at even a routine traffic stop can result in a $25 fine. You can provide proof of insurance using your insurer ID card, which you can have a hard version of or can provide on any smart device to prove your coverage. Click on the get quotes button below to get started requesting your free Arkansas motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

California Insurance Information & Services  

Welcome to the only home of lane-splitting! You may ride between lanes to escape traffic in California.   That’s right- lane splitting is legal for California motorcyclists when traffic is moving 30 mph or less, and so long as the rider is not riding more than 10 mph over those vehicles on either side of them. *  This could be why motorcycle deaths in California have been on the rise since the year 2000.   As with other states, California motorcyclists are required to keep just as much bodily injury and property damage liability insurance coverage on their scooters, cruisers, and choppers as on their work trucks.   We offer free quotes on California motorcycle insurance policies, and the lowest rates on comprehensive, collision, and liability coverage.

Liability Motorcycle Insurance: California Minimum Insurance Requirements 

The following minimum liability limits must be satisfied by your motorcycle liability insurance for you to be sufficiently protected. All of our motorcycle liability insurance policies satisfy these state requirements.  The minimum liability limits for the state of California are as follows: 

$15,000 for personal injury liability for injuries to a single person in an accident

$30,000 for personal injury liability for injuries to any number of people resulting from a single accident 

$5,000 of property damage liability coverage for a single accident. 

These minimum motorcycle insurance limits do not offer any protection for the policyholder against medical bills or property damage resulting from accidents your fault or otherwise. Liability auto insurance and liability motorcycle insurance never offer protection to the policyholder against paying for repairs or medical bills.  If you are interested in motorcycle insurance that provides a greater degree of protection than the minimum liability policy, then our full coverage motorcycle insurance options are probably for you. Click on the link below to visit the full coverage motorcycle insurance page. 

Do I Need California Liability Insurance?

 Some states, including California, offer some alternatives to purchasing a liability insurance policy when you decide to start driving.

Financial Responsibility Options

There are four ways to accomplish financial responsibility:

1. Coverage by a motor vehicle or automobile liability insurance policy;
2. A cash deposit of $35,000 with the DMV;
3. A certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles; or
4. A surety bond for $35,000 obtained from an insurance company licensed to do business in California.

All California drivers and owners must have at least the statutory limits of minimum liability insurance or an approved alternative way to pay for injury or property damage they may cause.* Penalties are very severe for non-compliance with this section of the vehicle code. The above excerpt was taken from the California Department of Insurance website.  

Other Motorcycle Insurance Coverage Options

Collision

Comprehensive

Full Coverage

Personal Effects

Classic, Vintage, Collectible, and Antique Motorcycle Coverage Options

For more information on the ins and outs of California motorcycle insurance, you can refer to the Insurance Department of California‘s website at http://www.insurance.ca.gov/  California is also home to a state program that helps consumers who are having trouble claiming benefits from their auto insurance company. There is a supplemental document available at the site which details the program, called the Automobile Claims Mediation Program.  If you need more information on California motorcycle insurance policies and motorcycle coverage options, please call for immediate assistance.  1-800-771-7758  Operators are standing by to take your call, give you reliable motorcycle insurance information, and provide you with free motorcycle insurance quotes instantly over the phone. 

Colorado Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Colorado and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Colorado. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Colorado Liability Insurance Requirements:

Type Of Insurance Per Person Per Accident Total

• $25,000 per person for bodily injury.
• $50,000 per accident for bodily injury.
• $15,000 per accident for property damage.

Click on the get quotes button below to get started requesting your free Colorado motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

State minimum requirements in Connecticut

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Connecticut and more than 49 other states throughout the country. When driving in Connecticut, you must keep hard-copy proof of your motorcycle insurance — either your policy’s declaration page or your permanent ID card — in your car at all times or face up to $50 in fines. State law does not allow you to present a digital version of your ID on your phone or tablet to prove coverage. Harsher still, if you lend your uninsured motorcycle to a friend and they get caught, the burden of responsibility falls on you: the motorcycle’s owner. Your friend? They pay up to $1,000 in fines on top of the penalties for driving an uninsured vehicle. Depending on your state of residence, you face varying minimum requirements for car insurance. In Connecticut, you can’t legally drive unless you carry liability insurance that includes at least:

• $20,000 bodily injury liability coverage per person
• $40,000 bodily injury liability coverage per accident
• $10,000 property damage liability coverage per accident

When shopping for motorcycle insurance, you may see these liability limits written as 20/40/10. Some 20 states mandate that its drivers also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by a motorcycle insurance policy. Connecticut is one of those states, requiring:

• $20,000 uninsured/underinsured motorist coverage per person.
• $40,000 uninsured/underinsured motorist coverage per accident.

Click on the get quotes button below to get started requesting your free Connecticut motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Delaware Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Delaware and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Delaware. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Delaware Liability Insurance Requirements:

Type Of Insurance Per Person Per Accident Total Bodily Injury / Funeral 15 30 Property Damage n/a 10 Click on the get quotes button below to get started requesting your free Delaware motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Florida Motorcycle Insurance  

Florida does not require it’s motorcyclists to prove their financial responsibility before they are allowed to register their two-wheeled vehicles. This coupled with the state’s lack of a helmet law makes for some dangerous riding in the state.  Whether or not the state requires it, obtaining proof of financial responsibility for your motorcycle, moped or chopper should be considered necessary in the state of Florida. If it is legal to register a motorcycle without insurance, you can bet that there are Florida motorcyclists operating bikes without insurance, and that means a great deal of risk if you share the road with them.  There are several means of proving financial responsibility for a motorcycle in Florida where personal injury protection is not available on vehicles with less than 4 wheels.

Ways to Establish Financial Responsibility 

If you own a motorcycle or moped these are the ways to demonstrate your financial responsibility to the authorities. Proving your financial responsibility despite the lack of a state statute making liability insurance mandatory will save you from a desperate and stressful situation if you were to have an accident. 

• Purchase liability insurance coverage from an insurance carrier or agency licensed to do business in Florida like the SkyBlue Insurance Agency Inc.: This is the most common way to establish financial responsibility for any vehicle.
• Get a Financial Responsibility Certificate from the Bureau of Financial Responsibility. This option requires that you first either:
  • Post a surety bond with a state-licensed bond company.
  • Deposit cash or securities with the Department of Highway Safety and Motor Vehicles (DHSMV).
• Obtain a Self-Insurance Certificate from the Bureau of Financial Responsibility (BFR): Only those who have acquired enough capital in the form of either financial assets or a required number of vehicles to meet a specific state minimum (such as 25 vehicles in Colorado).

The procedures associated with each of these options other than the basic liability insurance policy are complicated, and you should contact the DHSMV before attempting any of them.  

Insurance Requirements

It’s a good idea to use the state’s minimum liability coverage requirements for cars as a guideline for how much motorcycle insurance to get:

• $10,000 for one person in bodily injury liability
• $20,000 for two or more people in bodily injury liability
• $10,000 per crash in property damage liability
• $30,000 in combined single limits

These limits only provide a minimum amount of protection, however, and a more comprehensive motorcycle insurance policy must be purchased if you wish to have protection from property damage and excessive medical bills in the event of a serious motorcycle accident.

No-Fault Coverage 

The state also enforces a No-Fault Law by which you might need to abide. No-fault insurance covers incidents in which no collision occurs, and includes:

• $10,000 per person/crash in personal injury protection
• $10,000 per crash in property damage liability

Types of Two-Wheeled Vehicles

There are several different classifications of motorcycles. The criteria by which these classifications are determined varies from state to state. The rules for the Florida motorcycle classifications are as follows. if you still have questions about what type of motorcycle you’re riding or how much insurance would be required you can contact us at 1-800-771-7758 and we will connect you with a knowledgeable and courteous insurance agent who can help you understand and buy affordable motorcycle insurance to protect you from an accident in as little as ten minutes over the phone. 

• Motorcycle this type of vehicle is defined by its engine displacement of 50cc or greater. Florida considers these vehicles motorcycles and requires that they are registered.
• Mopeds Your vehicle is a moped if it has:
  • Three or fewer wheels
  • A seat
  • Pedals that allow you to propel the vehicle
  • A motor of two-brake horsepower or less
  • The ability to go no faster than 30 mph
  • An Automatic power-drive system
  • A displacement of 50cc or less (if it has an internal combustion engine)
• Scooters Your vehicle is a scooter if it has:
  • No seat or saddle
  • three or fewer wheels
  • The ability to go no faster than 30 mph

How Coverage Affects Helmet Requirements

Motorcyclists who are at least 21 years old and carry at least $10,000 in medical insurance coverage aren’t obligated to wear helmets while operating their motorcycles. Every motorcyclist is required to wear eye protection, however- unless the motorcycle has a windshield.

State minimum requirements in Georgia

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Connecticut and more than 49 other states throughout the country. In order to legally drive in Georgia, you’ll need minimum liability insurance that includes:

• $25,000 bodily injury liability coverage per person.
• $50,000 bodily injury liability coverage per accident.
• $25,000 property damage liability coverage per accident.

When shopping for motorcycle insurance, you’ll sometimes see this written as 25/50/25. Some states require that drivers purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects them in case they get into an accident with someone without proper insurance coverage. Georgia does not require you to carry this type of insurance, although most drivers do. Click on the get quotes button below to get started requesting your free Georgia motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

State minimum motorcycle insurance requirements in Hawaii

In order to legally drive in Hawaii, you’ll need insurance that at least includes:

• $10,000 for personal injury protection (PIP) coverage. This will cover any injuries suffered by you or your passengers, regardless of who was at fault
• $20,000 bodily injury liability coverage per person
• $40,000 total bodily injury coverage per accident
• $10,000 for property damage

When shopping for motorcycle insurance, you may see this written as 20/40/10. Many drivers in some states are legally required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a motorcycle accident with someone who doesn’t have enough insurance to cover the damages caused by an accident. Hawaii is an opt-out state, which means that motorcycle insurance companies are required to offer it, but you can choose not to take it.

Is Hawaii’s PIP coverage different than most states?

Yes. Hawaii’s PIP coverage doesn’t automatically come with reimbursement for lost wages, substitute services, funeral benefits and more. It’s a good idea to contact your insurance provider if you’re unsure of what exactly you’re covered for. Click on the get quotes button below to get started requesting your free Hawaii motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

Idaho Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Idaho and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Idaho. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Idaho Liability Insurance Requirements:

• $25,000 for bodily injury to one person in a single accident.
• $50,000 for total bodily injury to two people or more in an accident
• $15,000 for property damage

You’re also required to purchase uninsured or underinsured motorists coverage (UM/UIM). This coverage protects you if you get into a motorcyle accident with someone who doesn’t have enough insurance to cover the damages caused by an accident. Click on the get quotes button below to get started requesting your free Idaho motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

Illinois Motorcycle Insurance Information & Services

Two-wheeled vehicles in Illinois are defined as motor-driven cycles if their engine displacement is less than 150cc. Any engine size larger than 150cc constitutes a motorcycle and must be insured as such.   Regardless of engine size, however, the driver of any motor vehicle which requires a license plate to be registered with the DMV must prove financial responsibility to legally operate a motorcycle on public roads in Illinois.  In Illinois, the only proof of financial responsibility is the purchase and maintenance of a motorcycle liability insurance policy.   Liability Motorcycle Insurance: Illinois Minimum Insurance Requirements  All vehicles and or drivers must have at least the following amounts of bodily injury and property damage liability insurance to satisfy the Illinois liability auto insurance standards:

• $20,000 bodily injury liability coverage per person.
• $50,000 bodily injury liability coverage per accident.
• $20,000 property damage liability coverage per accident.

When shopping for motorcycle insurance, you may see these liability limits written as 20/50/20. Some 20 states mandate that its drivers also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by an motorcycle insurance policy. Illinois is one of those states, requiring:

• $25,000 uninsured/underinsured motorist coverage per person.
• $50,000 uninsured/underinsured motorist coverage per accident.

These limits do not offer any insurance benefits to the policyholder other than protection from a lawsuit. If you injure or kill someone else as a result of your riding, liability coverage for your motorcycle will pay their hospital bills, but if you cause an accident and hurt yourself, this basic motorcycle insurance will not pay for your medical bills, repair costs, or other bodily injury expenses.  If you want more thorough protection including the peace of mind of having motorcycle repair costs and any future hospital bills covered, you need the dependability of full coverage Illinois motorcycle insurance. Click on the button below to learn more.  If the absolute cheapest Illinois motorcycle insurance is what your after, you can get free quotes instantly by clicking the button above right, but anybody that can afford the safety net of more than minimum liability insurance should always invest in it.   Do I Need Illinois Motorcycle Liability Insurance? Yes. Some states offer statutory alternatives to maintaining liability motorcycle insurance, but Illinois is not one of them. The only legal way to operate any motor vehicle, including motorcycles on the public roads of Illinois, is to purchase and maintain a liability motorcycle insurance policy. Any confusion as to what class of vehicle your two or three-wheeled cycle falls into can be directed to the office of the Illinois Secretary of state at (800) 252-8980. Proof of your Illinois motorcycle liability insurance policy is required whenever you ride your motorcycle. Law enforcement officers and the department of motor vehicles may request that you furnish them with proof of insurance at any time.

Liability and Helmets

In Illinois, no amount of financial responsibility limits is waived by wearing a helmet when you ride.  Some states may require less liability motorcycle insurance when riders wear a helmet, however, Illinois is not one of those states and doesn’t require that cyclists wear helmets to in any case.   

Lapses in Coverage and Failing To Maintain Financial Responsibility 

If you are not able to provide proof of motorcycle insurance or financial responsibility during a traffic stop or when it is requested by an Illinois law enforcement officer or agent of the department of motor vehicles, you will be issued a citation allotting you a certain number of days to provide the proof.  If you cannot provide proof of adequate motorcycle liability insurance within the given time frame, your license plates and registration will be suspended, sending up a red flag to any police who see you on your motorcycle on public roads. If it is your second time being caught riding without insurance, the suspension will last no less than four months.  Once you provide proof of insurance or purchase a new motorcycle insurance policy, you will be obligated to pay a $500 fine for driving without insurance, as well as a $100 license plate reinstatement fee.  While no one may drive your vehicle while its plates are suspended, you may drive another vehicle that’s covered by insurance. 

Other Motorcycle Insurance Coverage Options

Collision

Comprehensive

Full coverage

Personal Effects

Uninsured Motorist/ Underinsured Motorist

Multiple Motorcycle

Many More

Indiana Motorcycle Insurance Information & Services

Indiana requires drivers of any motor vehicle being operated on Indiana roadways to demonstrate financial responsibility for their motor vehicle. This includes golf carts, motorcycles, and mopeds.  We can insure all of your smaller more exciting vehicles, and we even offer discounts for multi-bike policies. So call today for immediate assistance from one of our helpful and happy Indiana motorcycle insurance agents. 1-800-771-7758 There are several statutory (or ‘legally acceptable’) means of demonstrating financial responsibility for drivers in Indiana. Liability insurance: The most common way to demonstrate financial responsibility for your vehicle, liability auto insurance requires the driver to purchases and maintain an auto insurance policy with an authorized and licensed auto insurance provider. The policy will be required to meet specific minimum requirements set forth by the state of Indiana’s Bureau of Motor Vehicles. Bonds Securities and Deposits: Drivers may also post a Duly executed bond, or a cash or security deposit in an amount equal to or greater than $40,000.00 to cover any possible future damages. We offer free quotes on Indiana motorcycle insurance policies both liability and full coverage. Call today or click on the free quote button above right to get quotes and buy motorcycle insurance instantly.   

Liability Motorcycle Insurance: Indiana Insurance Requirements

Liability motorcycle insurance, and other liability insurance policies must meet the following coverage amounts or ‘minimum limits’ or risk their policyholders being considered ‘underinsured’.  

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident

These minimum auto liability insurance benefits can only be applied toward damages and costs associated with the injuries or property damage sustained by other parties in an accident.  Remember that Indiana liability motorcycle insurance will not provide any protection from your medical bills or motorcycle repair costs.   If you want better motorcycle insurance that will mean less money out of your pocket when you have an accident, visit our full coverage motorcycle insurance page.    Other Coverage Options Do I Have to Buy Motorcycle Insurance?   No, in Indiana there are several ways to prove that you are financially responsible for your vehicle. With that being said, you are obligated to prove your financial responsibility one way or another, and motorcycle liability insurance is arguably the easiest.  By paying a self-insurance fee, any individual is allowed to assume the risk for all of their actions behind the wheel directly without purchasing an auto liability policy. This is a very risky maneuver though, as just one day in the hospital can cost more than 10,000.00, and the driver or rider who posts securities, bonds or cash must pay every penny of medical bills and property damages out of their pocket.  Indiana law enforcement may ask for proof of insurance during traffic stops, after traffic accidents, and at DUI checkpoints. In Indiana, drivers may use paper or digital proof of insurance during a traffic stop. In other words, you can use your phone to demonstrate to the police officer that you have an auto insurance policy by accessing your online auto insurance portal.   Driving Without Insurance and Lapses in Coverage Insurance companies are also required by the authorities to notify the Indiana BMV of all insurance policy cancellations, non-renewals, and new drivers on policies. If you make any changes to your motorcycle insurance policy, we’ll pass them on to the BMV to avoid any confusion during traffic stops. Failure to maintain insurance could lead to the suspension of your vehicle registration and/or driver license. To reinstate these privileges, fees and future proof of financial responsibility must be filed with the Indiana BMV. The future proof requirement is most commonly an SR22 form from an insurance company which is a statement from the company through which you have your insurance that they will continue to provide your insurance coverage through a certain date, as long as you’re keeping up with payments. This can be expensive since SR-22 filings are expensive, and the law requires the owner to carry the SR22 policy for three years following their suspension.  Click on any of the buttons to get started with your free Indiana motorcycle insurance quotes!

Iowa Motorcycle Insurance

SkysBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Iowa and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Iowa. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Iowa Liability Insurance Requirements:

Type Of Insurance Per Person Per Accident Total

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability total per accident
• $15,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Iowa motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle insurance requirements in Kansas

Kansas law mandates that residents need to have the following liability insurance to drive:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident

You’ll also need to buy personal injury protection (PIP). This will cover any injuries suffered by you or your passengers, regardless of who was at fault for the accident. You will have to at least purchase:

• • $4,500 per person in medical expenses
  • $900 a month for disability or loss of income
  • $2,000 for burial or cremation expenses
  • $4,500 for rehabilitation

Kentucky Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Kentucky and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Kentucky. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Kentucky Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident
• $10,000 personal injury protection

Click on the get quotes button below to get started requesting your free Kentucky motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Louisiana Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Louisiana and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Louisiana. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Louisiana Liability Insurance Requirements:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Louisiana motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle insurance requirements in Maine

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Maine and more than 49 other states throughout the country. To legally drive in Maine, you’re required to carry liability insurance that includes at least:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident

In Maine, you have the option to choose a combined single-limit policy that includes both bodily injury and property damage liability of $125,000 per incident. Unlike many other states, you’re also required to carry uninsured/underinsured motorist insurance that includes at least:

• $50,000 uninsured motorist coverage per person
• $100,000 uninsured motorist coverage total per accident
• $2,000 medical expenses coverage

Maryland Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Maryland and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Maryland. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Maryland Liability Insurance Requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability total per accident
• $15,000 property damage liability total per accident
• $30,000 uninsured/underinsured motorist coverage per person
• $60,000 uninsured/underinsured motorist coverage per accident
• $15,000 uninsured/underinsured property damage coverage per accident

Some states require drivers to purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects them in case they get into an accident with someone without proper insurance coverage. Maryland requires you to buy this coverage at the same minimums as your liability insurance plan. To learn more about this kind of coverage and why it might be a good idea, even when it isn’t legally required, visit our guide to uninsured motorist insurance. You’ll also need to purchase at least a $2,500 personal injury protection (PIP) coverage. PIP coverage helps pay for medical expenses, regardless of who was at-fault for the car accident. You can choose either full or limited coverage. Limited coverage covers children under 16 in your household and injured pedestrians. But, it doesn’t cover you, the policyholder or household members older than 16. Click on the get quotes button below to get started requesting your free Maryland motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Minimum Motorcycle insurance requirements in Massachusetts

Every driver in the state of Massachusetts is required to carry minimum insurance coverage with the following limits:

• $20,000 bodily injury liability per person.
• $40,000 bodily injury liability total per accident.
• $5,000 property damage liability total per accident.
• $20,000 uninsured motorist coverage per person.
• $40,000 uninsured motorist coverage total per accident.
• $8,000 personal injury protection.

While Massachusetts drivers are required to carry uninsured motorist coverage, underinsured motorist coverage is optional. You may be tempted to look solely at price when deciding on a policy. But by carefully considering coverage limits, you’ll typically get solid coverage — and end up paying less when in the event of a claim.

Michigan Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Michigan and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Michigan. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Michigan Liability Insurance Requirements:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident
• $1 million property protection — which covers buildings and parked cars

In Michigan, you are required to have no-fault motorcycle insurance that covers injuries and damages regardless of who’s at fault.

Click on the get quotes button below to get started requesting your free Michigan motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Minnesota Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Minnesota and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Minnesota. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Minnesota Liability Insurance Requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage total per accident
• $40,000 personal injury protection

Click on the get quotes button below to get started requesting your free Minnesota motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle insurance requirements in Mississippi

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Mississippi and more than 49 other states throughout the country. To legally drive in Mississippi, every driver must carry at least:

• $25,000 bodily injury liability per person.
• $50,000 bodily injury liability total per accident.
• $25,000 property damage liability total per accident.

Click on the get quotes button below to get started requesting your free Mississippi motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Missouri Motorcycle Insurance Information & Services

Missouri requires all drivers on public roadways to demonstrate financial responsibility for their motor vehicles with no exceptions. This includes golf carts, motorcycles, mopeds, and all other manners of motorized vehicles. We offer several ways to show your Missouri financial responsibility. Call now to learn more about our great deals on affordable Missouri motorcycle insurance, and get covered and enjoy a peaceful ride within 24 hours. We even offer discounts for policyholders with multiple vehicles. Call today for immediate assistance from one of our helpful and happy Missouri motorcycle insurance agents. 1-800-771-7758

Liability Motorcycle Insurance: Missouri Insurance Requirements 

Liability motorcycle insurance for Missouri– like other liability insurance policies are required to meet the following insurance coverage limits or ‘minimum coverage’ threshold otherwise they run the risk of the policyholders being considered ‘underinsured’.  

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident

Keep in mind that these minimum liability insurance limits can only be paid toward personal injury claims and property damage sustained by other parties in an accident.  Motorcycle liability insurance cannot provide any protection from your medical bills or pay for motorcycle repair costs or other property damage.   If you are looking for a more thorough motorcycle insurance policy so that you can pay less out of your pocket if you have a motorcycle accident, visit our full coverage motorcycle insurance page.  Motorcycle liability insurance is arguably the easiest way of all to prove you are financially responsible. 

Other Coverage Options: Do I Need Missouri Motorcycle Insurance?  

No. when it comes to proving financial responsibility for your car or motorcycle in Missouri there are several options to choose from. You are required to prove your financial responsibility, however, and that is never free. Also, Missouri requires a minimum amount of uninsured and Underinsured driver coverage in case of hit-and-run accidents or an accident caused by someone not in compliance with state minimum insurance requirements. Deposits: any cash, securities, or duly executed government bond for $60,000.00 or more may be deposited as an alternative to purchasing a liability motorcycle insurance policy. This sum of money may be less than the combined total of all of the liability insurance requirements, but there is no pay-as-you-go alternative.  Self Insurance: religious groups and some other organizations can file a certificate of self-insurance with the Missouri DoR to assume all of the responsibility for their driving. For more information on declaring self-insurance please call for assistance. 1-800-771-7758 Missouri law enforcement may ask for proof of insurance during traffic stops, after traffic accidents, and at DUI checkpoints. Click on the get quotes button below to get started requesting your free Missouri motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle Insurance minimum requirements in Montana

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Montana and more than 49 other states throughout the country. Every driver in Montana is required to carry minimum liability coverage. You’ll likely see this coverage written as 25/50/10. Though Montana doesn’t require it, uninsured or underinsured motorist coverage could protect you from someone who doesn’t have enough insurance to cover the damages in an accident.

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Montana motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

  SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Montana and more than 49 other states throughout the country. Drivers in Nebraska are required to carry liability coverage that includes:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident

Nebraska is one of the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver against other drivers who aren’t adequately covered by their own policy. To legally drive in Nebraska, you’re required to carry:

• $25,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident

Click on the get quotes button below to get started requesting your free Nebraska motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle Insurance minimum requirements in Nevada

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Nevada and more than 49 other states throughout the country. To drive in Nevada, you’ll need to have insurance coverage that includes:

• $25,000 per person in liability coverage
• $50,000 per accident in liability coverage
• $20,000 per accident in property liability coverage

Some states require drivers to purchase additional coverage for uninsured or underinsured motorists, but Nevada is not one of them. When you’re shopping for motorcycle insurance, you might see these numbers written as 25/50/20. These minimums were raised to 25/50/20 on July 1, 2018, so make sure you’ve updated your insurance since then. Click on the get quotes button below to get started requesting your free Nevada motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle Insurance minimum requirements in New Hampshire

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in New Hampshire and more than 49 other states throughout the country.

State minimum requirements in New Hampshire

This is where things get really interesting. New Hampshire is one of a few states that actually doesn’t require motorcycle insurance coverage to drive. So what is required? If you cause an accident involving car or another motorcycle , you’re liable for damages and injuries resulting from the accident — so whether you have insurance or not, there’s probably a big bill to pay. Despite having no legal obligation, most New Hampshire drivers opt to get motorcycle insurance anyway so they’re covered if an accident happens. And the state’s 9.9% rate of uninsured drivers is actually lower than the 13% national average in 2015. If you do decide to carry motorcycle insurance in this state, your policy should include at least:

• Liability coverage. You must carry at least $25,000 for bodily injury, per person; $50,000 for bodily injury, if multiple people are injured in an accident; $25,000 for property damage.
• Medical payments coverage. Must be for at least $1,000.
• Uninsured motorist coverage. Must match your liability coverage amounts.

What optional coverage should I consider?

You can also get additional types of insurance to better protect yourself, including:

• Collision. Helps pay for repairs if your motorcycle is damaged in an accident.
• Comprehensive. Covers you in case your motorcycle is damaged by something other than an accident — for instance, a fire or vandalism.
• Medical and funeral services. Assists in paying for medical bills or funeral services as a result of an accident.
• Rental. Covers some of the costs of renting a car while waiting for your motorcycle to be repaired after an accident.

Click on the get quotes button below to get started requesting your free New Hampshire motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle Insurance minimum requirements in New Jersey

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in New Jersey and more than 49 other states throughout the country. New Jersey handles insurance regulations a bit different compared to other states. To meet the legal minimums, drivers can choose the basic or standard policy, with the option to go beyond these two policies for more coverage.

Basic policy

• Bodily injury liability. It’s not required, but $10,000 coverage for all persons per accident is available as an option.
• Property damage liability. $5,000 per accident.
• Personal injury protection. $15,000 per person, per accident.

Standard policy

• Bodily injury liability. $15,000 per person; $30,000 per accident.
• Property damage liability. $5,000 per accident.
• Personal injury protection. $15,000 per person, per accident.

Click on the get quotes button below to get started requesting your free New Jersey motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

New Mexico Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in New Mexico and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of New Mexico. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

New Mexico Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free New Mexico motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle Insurance minimum requirements in New York

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in New York and more than 49 other states throughout the country.

• Bodily injury minimum: $25,000 per person / $50,000 per accident; $50,000 per death to one person / $100,000 per death to multiple people
• Property damage minimum: $10,000 per accident
• Uninsured/underinsured bodily injury minimum: $25,000 per person / $50,000 per accident
• Basic personal injury protection minimum: $50,000

When shopping for motorcycle insurance, you’ll sometimes see this written as 25/50/10. Some states, including New York, require you to purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects you in an accident with someone without proper insurance coverage. New York’s laws require a UM/UIM minimum equal to that of the regular liability coverage. Click on the get quotes button below to get started requesting your free New York motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

North Carolina Motorcycle Insurance Information and Services

North Carolina is friendly to motorcyclists. Helmets are required, but riders are also allowed two abreast in a lane, and there is a system for reporting traffic signals that do not respond well to motorcyclists.  Liability motorcycle insurance, however, is mandatory for North Carolina motorcyclists, and there are no alternatives to purchasing and maintaining a motorcycle insurance policy other than driving illegally. We offer free quotes on liability insurance policies for motorcycles, as well as full coverage plans, and everything in between. Call today to get your free and accurate motorcycle insurance quotes right over the phone with no hassle. You can even shop and purchase online and be driving with protection from your new policy the next day.  With rapid approvals and proof of insurance cards that you can print at home, it’s never been easier to save money, protect your family, and protect your possessions. Call today for immediate assistance or read more about North Carolina’s motorcycle insurance information.

Liability Motorcycle Insurance: North Carolina Minimum Insurance Requirements

These are the minimum required benefit amounts of motorcycle liability insurance for each driver in North Carolina. You must carry at least these compulsory insurance amounts for them to operate a vehicle legally on the public roads of North Carolina.

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident

Many folks will buy only the bare minimum amounts of motorcycle insurance and head along their merry way. But before you’re so tempted, remember that liability motorcycle insurance does not pay for your medical bills, or repairs costs to your bike and personal effects. Liability insurance doesn’t protect your property or bank account from your actions, instead, it prevents you from causing more damage to someone else than you can afford to pay for. Full coverage motorcycle insurance is affordable with us, so if it’s only the cost holding you back from getting the motorcycle insurance policy that you deserve, call an agent today to learn more about exactly how much money we can save you! 1-800-771-7758

Do I Need North Carolina Motorcycle Liability Insurance? 

Yes, in a word. Every driver in the United States is required to demonstrate financial responsibility for their vehicle in one way or another. Many states offer several options for doing so. In the state of North Carolina however, there are no statutory alternatives to purchasing and maintaining a motorcycle liability insurance policy. 

Other Motorcycle Insurance Coverage Options

Collision

Comprehensive

Full Coverage

Personal Effects

Classic, Vintage, Collectible, and Antique Motorcycle Coverage Options

For more information on the ins and outs of North Carolina motorcycle insurance, you can refer to the Insurance Department of North Carolina‘s website at http://www.ncdot.gov/dmv/ If you need more information on North Carolina motorcycle insurance policies and motorcycle coverage options, please call for immediate assistance, or fill out the quote form by following the link at the top right of this page. 

Motorcycle insurance requirements in North Dakota

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in North Dakota and more than 49 other states throughout the country. This state has a few minimum requirements when it comes to auto insurance coverage. So when you’re shopping for a policy, keep in mind that you must meet these standards to hit the road.

• Bodily injury liability: $25,000 per person / $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured/underinsured motorist (UM/UIM) coverage: $25,000 per person / $50,000 per accident
• Personal injury protection (PIP) coverage: $30,000 per person

You might sometimes see these requirements written as 25/50/25. If you need more information on North Dakota motorcycle insurance policies and motorcycle coverage options, please call for immediate assistance, or fill out the quote form by following the link at the top right of this page.

Ohio Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Ohio and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Ohio. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Ohio Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Ohio motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Oklahoma Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Oklahoma and more than 49 other states throughout the country. To legally drive in Oklahoma, you’ll need liability insurance that includes at least property damage and bodily injury liability. When shopping for motorcycle insurance, you’ll sometimes see this written as 25/50/25. When it comes to uninsured/underinsured motorists (UM/UIM) coverage, Oklahoma is an opt-out state. Oklahoma motorcycle insurance companies are required to offer you UM/UIM insurance, and you must sign a waiver to opt out of carrying it.

• $25,000 for injury or death to one person
• $50,000 for injury or death to more than one person
• $25,000 for damage to property

Click on the get quotes button below to get started requesting your free Oklahoma motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Oregon Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Oregon and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Oregon. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Oregon Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $20,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident
• $15,000 personal injury protection

Click on the get quotes button below to get started requesting your free Oregon motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle insurance minimum requirements in Pennsylvania

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Pennsylvania and more than 49 other states throughout the country.  To legally drive in Pennsylvania, you’ll need insurance that includes at least:

• $15,000 bodily injury liability per person per accident
• $30,000 total bodily injury liability per accident
• $5,000 per accident for property damage

Click on the get quotes button below to get started requesting your free Pennsylvania motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

Motorcycle insurance minimum requirements in Rhode Island

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Rhode Island and more than 49 other states throughout the country. To legally drive in Rhode Island, you’ll need insurance that includes at least:

• $25,000 bodily injury per person per accident
• $50,000 bodily injury for all persons per accident
• $25,000 property damage liability

Two other types of coverage that are typically optional in other states but among the requirements for Rhode Island:

• $25,000/$50,000 uninsured/underinsured motorist coverage.
• $25,000 uninsured motorist property damage.

Click on the get quotes button below to get started requesting your free Rhode Island motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

South Carolina Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in South Carolina and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of South Carolina. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

South Carolina Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident
• $25,000 uninsured motorist property damage coverage

Click on the get quotes button below to get started requesting your free South Carolina motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

South Dakota Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in South Dakota and more than 49 other states throughout the country. To legally drive in South Dakota, you’ll need insurance that includes at least:

• $25,000 for bodily injury or death per person.
• $50,000 for bodily injury or death to multiple people in an accident.
• $25,000 for property damage.

When shopping for coverage, you might see these numbers expressed as 25/50/25. Drivers are also required to get uninsured motorist coverage with the same limits as their liability policy.

• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident

Click on the get quotes button below to get started requesting your free South Dakota motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

Tennessee Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Tennessee and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Tennessee. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Tennessee Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $15,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Tennessee motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Texas Motorcycle Insurance Information & Services

The state of Texas has the most miles of road of any of the United States. Take full advantage of them by riding a motorcycle, and we’ll get you an affordable and dependable motorcycle insurance policy in as little as 10 minutes.  There are many ways to prove your financial responsibility in Texas, but there is only one way to make sure that you get the best deal possible on Texas motorcycle liability insurance policies, shop with us! Click the buttons or call 1-800-771-7758 to get started receiving your free motorcycle insurance quotes instantly. We are a full-service insurance agency offering free quotes and the lowest monthly rates on both full coverage and liability motorcycle insurance. We even insure classic and vintage motorcycles like Indian, Harley Davidson, and rare brands. 

Liability Insurance: Texas Motorcycle Insurance Requirements 

The following are the absolute minimum motorcycle insurance requirements for the state of Texas. These required amounts are determined by the state of Texas’ Department of Motor Vehicles to be sufficient for protecting other drivers on public roadways from the risk posed by your driving or riding. If you choose motorcycle liability insurance as your means of demonstrating financial responsibility, you must purchase a motorcycle insurance policy that can provide benefits in at least the following amounts after an accident.

• $30,000 bodily injury liability for one person in an accident
• $60,000 bodily injury liability total per accident
• $25,000 property damage liability per accident

Remember always that these liability insurance limits, are only the minimum amounts required, and any good insurance agent or lawyer will encourage you to purchase additional insurance if…

1. You have a lease on your motorcycle and the dealer or your financier has a security interest in the physical state of the vehicle. OR
2. You could not pay to repair or replace your motorcycle in the event of an accident

Read more to find out about motorcycle insurance coverage beyond the bare minimum, and what options are available to you. 

Do I Need Texas Motorcycle Liability Insurance? 

No, insurance is just one of many different options for proving financial responsibility in Texas. A liability insurance policy is still the cheapest option for proving financial responsibility, however,  There are several liability insurance alternatives in Texas though, and they are as follows: 

1. A current auto insurance policy or car, or binder issued pending issuance of a liability policy (minimum limits of 30/60/25).
2. A certificate of compliance showing that a surety bond filed with the Texas Department of Public Safety (DPS).
3. A certificate showing that $55,000 in cash or securities has been deposited with the State Comptroller.
4. A copy of a certificate filed with the DPS that was issued by a county judge (and acknowledged by a sheriff) verifying you have deposited at least $55,000, in cash or by cashier’s check, with the county judge. The County judge must be in the county where the vehicle is to be registered.
5. A copy of a self-insurance certificate issued by the DPS (must own 25 vehicles or more to qualify).

For options 2-5, a certificate of financial responsibility must be issued by the authorities for you to keep on file with the DMV, otherwise, you will not have proof of insurance during traffic stops or when you attempt to register your vehicle or renew registration. Read more: http://www.nasdaq.com/article/alternatives-to-car-insurance-cm251682#ixzz2cjKQpLxR

Texas SURE Program

The Texas SURE program is a collaboration of the Texas Departments of Insurance, Public Safety, Motor Vehicles, and Information Resources to make it tougher for drivers to get away with driving without insurance. Texas authorities now can cross-reference data from all of the above departments and triangulate precisely who is driving without insurance based on policy end-dates, payments made to insurance companies, registration suspensions, and other data. It’s impossible to avoid tickets and fines for driving without insurance in Texas if you also fail to meet one of the above requirements.

Other Motorcycle Insurance Coverage Options

• collision
• Comprehensive
• Full Coverage
• Personal Effects
• Uninsured/ Under-Insured Motorist
• Many More 

Click on the get quotes button below to get started requesting your free Texas motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Utah and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Utah. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Utah Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $65,000 bodily injury liability total per accident
• $15,000 property damage liability total per accident
• $3,000 personal injury protection

Click on the get quotes button below to get started requesting your free Utah motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Motorcycle insurance minimum requirements in Vermont

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Vermont and more than 49 other states throughout the country. To legally drive in Vermont, you’ll need insurance that includes at least:

• $25,000 for injury or death to one person in an accident.
• $50,000 for total injury or death if multiple people are hurt in the accident.
• $10,000 for property damage.

In addition, you’ll need to carry uninsured/underinsured motorist coverage with at least:

• $50,000 for bodily injury to one person.
• $100,000 for total injury if multiple people are injured or killed.

  Click on the get quotes button below to get started requesting your free Vermont motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Virginia Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Virginia and more than 49 other states throughout the country. Drivers and riders must prove financial responsibility for any  Virginia OHV or ATV before being issued license plates and driving their vehicles on public roads. Posting of surety bonds, cash, or securities with state officials is a valid option for proof of financial responsibility, but not for personal and private passenger vehicles.  These insurance requirements apply to all vehicles being operated on public roadways by licensed motorcyclists including antique vehicles like classic and collectible cars and vintage motorcycles.  We are licensed and authorized to sell Virginia motorcyclists insurance policies. Your insurance agent must be authorized to conduct business in Virginia.  

Virginia Liability motorcycle insurance Requirements

These are the minimum liability limits for any financial responsibility insurance policy sold in Virginia. In other words, if your Virginia car insurance doesn’t provide at least the following benefit amounts, then you don’t have enough insurance. 

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $20,000 property damage liability total per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• $20,000 uninsured/underinsured motorist property damage coverage per accident

Virginia motorcycle insurance companies may factor the driving records of every person of legal age to drive into their monthly premium quote. Teens, newly licensed motorcyclists, and motorcyclists whose licenses have recently been reinstated can greatly increase the cost of your monthly premiums. Call 1-800-771-7758 today to learn more about how you can save money on car insurance policies for everyone in your home.  If you lose your liability insurance coverage on a vehicle while it is still registered, You must reinsure the vehicle, surrender the license plates to DMV, or pay a UMV fee for driving an uninsured vehicle.

What If I Would Rather Assume My Own Risk? 

You may pay the $500 Uninsured Motor Vehicle (UMV) fee.  This fee is not applied towards damages or medical bills caused by collisions; Rather it is a small fee you pay to the state to assume full financial and legal responsibility for your actions while driving your vehicle. The $500 UMV fee goes directly to the Department of Motor Vehicles (DMV) and does not provide any insurance. Paying the UMV fee will allow you to drive an uninsured vehicle at your own risk. It expires with your registration and must be paid at renewal.  Self-insurance or Surety Bonds are also acceptable means of proving financial responsibility, but as previously stated, private passenger vehicles must purchase insurance. 

Penalties For Driving Without Insurance

Virginia vehicle owners who haven’t paid the required UMV fee for driving without insurance and get caught without car insurance will have their driving and vehicle registration privileges suspended. They are required to then pay a $500 statutory fee to have those privileges reinstated. They must also file an SR-22 Financial Responsibility Insurance Certificate with the Virginia DMV for at least three years, in addition to paying a possible reinstatement fee.

Verification of Insurance Coverage

Insured Virginia motorcyclists are lucky enough to have the Virginia DMV monitor insurance coverage through the Insurance Verification Program.  Insurance carriers throughout Virginia will provide your local DMV with electronic updates of cancellations, policy additions, and lapses of motorcyclists insurance on any motor vehicle registered in Virginia.  DMV verifies that motor vehicles are properly insured by comparing vehicle registration information on file at DMV with liability information transmitted by insurance carriers. When no insurance is found, the motor vehicle owner is required to furnish policy information to DMV for verification.  If you have received an Insurance Verification Inquiry letter from DMV requesting information about your insurance policy, you may submit that information online. All Virginia motorcyclists are required to purchase at least the state minimum liability motorcycle insurance for their bikes to purchase license plates and drive legally. Motorcyclists or other OHV owners who do not wish to purchase Virginia motorcycle insurance reserve the right to assume their financial responsibility for an accident, by paying the uninsured motor vehicle fee Click on the get quotes button below to get started requesting your free Virginia motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

Washington Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Washington and more than 49 other states throughout the country.  Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of Washington. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

Washington Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $10,000 property damage liability total per accident

Click on the get quotes button below to get started requesting your free Washington motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.

Minimum Motorcycle Insurance in Washington D.C.

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Washington D.C, and more than 49 other states throughout the country. Washington D.C. requires every driver to carry basic liability coverage, which protects other drivers in an accident.

• $25,000 per person per accident for bodily injury
• $50,000 per accident for bodily injury
• $10,000 in property damage per accident

You’re also required to carry uninsured motorist coverage, which protects you against uninsured or underinsured drivers.

• $50,000 per accident for bodily injury
• $25,000 per person per accident for bodily injury
• $5,000 in property damage per accident

Click on the get quotes button below to get started requesting your free Washington D.C, motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service. 

West Virginia Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in West Virginia and more than 49 other states throughout the country. Below are the minimum liability limits or ‘compulsory insurance’ requirements for the state of West Virginia. Numbers are in thousands of dollars, and these values only indicate the state’s bare minimum requirements. Any competent insurance agent would encourage a driver to purchase more liability insurance than is necessary to protect their assets in the event of a serious accident. 

West Virginia Liability Insurance Requirements:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability total per accident
• $25,000 property damage liability total per accident
• $25,000 uninsured motorist coverage per person
• $50,000 uninsured motorist coverage total per accident
• $25,000 uninsured motorist property damage coverage

Click on the get quotes button below to get started requesting your free West Virginia motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.  

Wisconsin Motorcycle Insurance

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Wisconsin and more than 49 other states throughout the country. To legally drive in Wisconsin, you’ll need insurance that includes at least:

• $25,000 for injury or death per person
• $50,000 total for injury or death to multiple people in a single accident
• $10,000 for property damage

You’re also required to get uninsured and underinsured motorist coverage with the following limits:

• $25,000 for injuries per person
• $50,000 for total injuries per accident

Click on the get quotes button below to get started requesting your free Wisconsin motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.  

Motorcycle insurance minimum requirements in Wyoming

SkyBlue Insurance is a licensed property and casualty insurance agency. We are authorized to do business in Wyoming and more than 49 other states throughout the country. To legally drive in Wyoming, you’ll need liability insurance that includes at least:

• $25,000 for bodily injury or death per accident
• $50,000 for total bodily injury or death for multiple people in an accident
• $20,000 for property damage

When you’re shopping for motorcycle insurance, you might see these minimums expressed as 25/50/20. You’ll also be required to carry uninsured or underinsured motorist coverage with limits equal to your liability coverage. Click on the get quotes button below to get started requesting your free Wyoming motorcycle insurance quotes, or call our office at 1-800-771-7758 for even faster service.