Motorcycle & ATV Insurance

Specialized coverage for riders, machines, and the risks that come with the road — and the trail.

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Special Equipment. Special Risks.

Motorcycles and ATVs demand specialized insurance protection.

Unlike passenger vehicles, motorcycles operate alongside full-sized traffic with far less physical protection. ATVs introduce their own risks through off-road use, terrain exposure, and limited safety features. Standard auto policies are not designed to address these realities.

Street Motorcycle Riders

Coverage built for high-speed traffic environments.

ATV Owners

Protection for off-road riding and recreational use.

Custom & Performance Bikes

Policies designed to protect specialized equipment.

Common Motorcycle & ATV Coverages

Designed to protect riders, equipment, and others on the road.

Bodily Injury & Property Damage

Coverage for injuries or property damage caused by accidents arising from ownership or operation of a covered motorcycle or ATV.

Uninsured / Underinsured Motorist

Critical protection if you’re injured by a driver who lacks sufficient insurance.

Medical Payments

Helps pay medical expenses after an accident, regardless of fault.

Comprehensive Coverage

Covers damage caused by theft, vandalism, fire, weather, or animal collisions.

Collision Coverage

Pays for damage caused by contact with another vehicle or object, including rollovers.

Custom Parts & Accessories

Optional coverage for custom equipment, performance upgrades, and specialty components.

Why Specialized Coverage Matters

Motorcycles expose riders to greater personal risk.

  • Higher likelihood of serious bodily injury
  • Limited physical protection compared to cars
  • Greater exposure to uninsured drivers
  • Custom equipment often excluded by default

Get Coverage Built for the Way You Ride

Straightforward steps with expert guidance.

1

Tell Us About Your Ride

Street, trail, or recreational use.

2

Review Coverage Options

Liability, medical, and equipment protection.

3

Ride With Confidence

Knowing you’re properly protected.