Each state has specific laws about motorcycle insurance requirements.
Every state requires that motorists on public roads provide some proof of financial responsibility for every vehicle they own. This is where liability motorcycle insurance or auto insurance usually appears on most people’s financial radar.
Financial Responsibility
Some states will offer alternatives to liability insurance that don’t involve purchasing an insurance policy at all. You are always required however to demonstrate financial responsibility.
Deposits: Cash, Securities, Bonds Etc.
Some common forms of alternative insurance usually involve the deposit and confirmation of a large sum of money in the form of either cash, securities, or duly executed bond with local authorities and the department of motor vehicles. There are no payment plans on these options and the amount must be paid in full before the driver is allowed to venture out onto public roads without other insurance.
Self-Insurance
You can also self-insure in some states if you meet certain qualifications. In some states, you must own more than a certain number of vehicles. In Georgia for example, owners of ten or more vehicles are allowed to declare themselves a self-insured motorist. Being self-insured is more like having no insurance at all, and your assets become your insurance benefits if you are unfortunate enough to be involved in a serious collision while self-insured.
Discounted Insurance
Lastly, there is the option of getting insured through the state organizations set up specifically to lower the numbers of uninsured drivers who simply cannot afford even the most basic of policies.
Click on any of the states to be redirected to the bottom with specific motorcycle liability insurance information for that state. If you’re looking for more robust coverage, call 1-800-771-7758 to speak with a LIVE Sky-Agent® or click on the quote button below to be redirected to our ‘motorcycle insurance quote’ page.
Each state has specific laws about motorcycle insurance requirements.
Every state requires that motorists on public roads provide some proof of financial responsibility for every vehicle they own. This is where liability motorcycle insurance or auto insurance usually appears on most people’s financial radar.
Financial Responsibility
Some states will offer alternatives to liability insurance that don’t involve purchasing an insurance policy at all. You are always required however to demonstrate financial responsibility.
Deposits: Cash, Securities, Bonds Etc.
Some common forms of alternative insurance usually involve the deposit and confirmation of a large sum of money in the form of either cash, securities, or duly executed bond with local authorities and the department of motor vehicles. There are no payment plans on these options and the amount must be paid in full before the driver is allowed to venture out onto public roads without other insurance.
Self-Insurance
You can also self-insure in some states if you meet certain qualifications. In some states, you must own more than a certain number of vehicles. In Georgia for example, owners of ten or more vehicles are allowed to declare themselves a self-insured motorist. Being self-insured is more like having no insurance at all, and your assets become your insurance benefits if you are unfortunate enough to be involved in a serious collision while self-insured.
Discounted Insurance
Lastly, there is the option of getting insured through the state organizations set up specifically to lower the numbers of uninsured drivers who simply cannot afford even the most basic of policies.
Click on any of the states to be redirected to the bottom with specific motorcycle liability insurance information for that state. If you’re looking for more robust coverage, call 1-800-771-7758 to speak with a LIVE Sky-Agent® or click on the quote button below to be redirected to our ‘motorcycle insurance quote’ page.
Alabama 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

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

State minimum requirements in Arkansas

- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
California Insurance Information & Services

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


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.

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.
- $20,000 bodily injury liability coverage per person
- $40,000 bodily injury liability coverage per accident
- $10,000 property damage liability coverage per accident
- $20,000 uninsured/underinsured motorist coverage per person.
- $40,000 uninsured/underinsured motorist coverage per accident.
Delaware Motorcycle Insurance


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

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

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
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.
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

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

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.
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

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
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- $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.
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

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.
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

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

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.
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


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

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

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. 1-800-771-7758Liability 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
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.
- $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 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

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.
- $25,000 per person in liability coverage
- $50,000 per accident in liability coverage
- $20,000 per accident in property liability coverage
Motorcycle Insurance minimum requirements in New Hampshire


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.
Motorcycle Insurance minimum requirements in New Jersey


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.
New Mexico Motorcycle Insurance


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
Motorcycle Insurance minimum requirements in New York


- 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
North Carolina Motorcycle Insurance Information and Services


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
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


- 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
Ohio Motorcycle Insurance


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
Oklahoma Motorcycle Insurance


- $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
Oregon Motorcycle Insurance


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

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

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.
- $25,000 bodily injury per person per accident
- $50,000 bodily injury for all persons per accident
- $25,000 property damage liability
- $25,000/$50,000 uninsured/underinsured motorist coverage.
- $25,000 uninsured motorist property damage.
South Carolina Motorcycle Insurance


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
South Dakota Motorcycle Insurance


- $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.
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage total per accident
Tennessee Motorcycle Insurance


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
Texas Motorcycle Insurance Information & Services


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
- 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
- You could not pay to repair or replace your motorcycle in the event of an accident
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:- A current auto insurance policy or car, or binder issued pending issuance of a liability policy (minimum limits of 30/60/25).
- A certificate of compliance showing that a surety bond filed with the Texas Department of Public Safety (DPS).
- A certificate showing that $55,000 in cash or securities has been deposited with the State Comptroller.
- 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.
- A copy of a self-insurance certificate issued by the DPS (must own 25 vehicles or more to qualify).
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


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

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


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
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


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

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.
- $25,000 per person per accident for bodily injury
- $50,000 per accident for bodily injury
- $10,000 in property damage per accident
- $50,000 per accident for bodily injury
- $25,000 per person per accident for bodily injury
- $5,000 in property damage per accident
West Virginia Motorcycle Insurance


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
Wisconsin Motorcycle Insurance


- $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
- $25,000 for injuries per person
- $50,000 for total injuries per accident
Motorcycle insurance minimum requirements in Wyoming


- $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