Intro to Motorcycle Insurance
Motorcycle insurance provides coverage similar to auto insurance and is available for: motorcycles, motor scooters, motorized bicycles.
Motorcycles are considered seasonal vehicles in some states, and we know there are some months you’ll use your bike very little. The premiums you’ll pay take that seasonal usage into account. COUNTRY Financial® has great rates on motorcycle insurance and we’re committed to making sure you feel protected if you ever have a claim.
We want you to feel confident in your motorcycle insurance before you hit the open road with coverage options to help you feel secure.
Physical Damage covers damage to your motorcycle if you have a claim. It has two parts as well, and you choose a deductible for each coverage. Your deductible is the amount you’re responsible for each time you have a claim. Your insurance costs will be lower with a higher deductible, but your costs at claim time will be higher.
Coverage for damage to your motorcycle in situations like hitting a car or getting into a single vehicle accident.
Deductible choices: $502, $100, $250, $500, $1,000
Coverage for your motorcycle from claims like theft, vandalism, hail, and falling objects.
Deductible choices: $0, $502, $100, $250, $500, $1,000
Uninsured Motorists Property Damage
Pays the amount you’re legally entitled to recover for damages to your motorcycle in a covered accident caused by someone who does not have insurance or by a hit-and-run motor vehicle. In some states, identification of the hit-and-run driver is required. Coverage, deductible and availability varies by state.
Liability and Medical Insurance
Liability insurance helps protect you if you’re at fault in an accident and responsible for injuries to others or damage to property. Medical costs and lawsuits can be costly, so it’s important to carry the coverage limits that are right for you. Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.
More about Liability
Motorcycle insurance divides liability coverage into two parts:
Bodily Injury coverage protects you for the cost of injuries you may cause to someone else, up to the coverage limits you choose.
Property Damage coverage protects you for the cost of damage you may cause to the property of others, up to the coverage limit you choose.
Umbrella Insurance can be purchased to give you extra coverage up to $1 million or more if you'd like more liability insurance than what your auto policy provides.
More about Medical
Medical Payments coverage provides protection for you and your passenger(s) if you get in a covered accident causing injuries, regardless of fault. It pays medical bills you or your passengers have within two years1 of a covered accident.
Personal Injury Protection2 provides coverage for certain expenses related to injuries from an accident – such as lost wages and child care expenses.
Uninsured and Underinsured Motorist Protection
This coverage gives you protection for injuries you experience if an uninsured or underinsured driver is at fault.
Pays if you or someone in your car is injured or killed in a covered auto accident when the other driver is at fault and doesn’t have insurance. This coverage is for injuries, not damage to your vehicle.
Pays if you or someone on your motorcycle is injured or killed in a covered auto accident when the other driver is at fault and doesn’t have enough insurance to pay for the damages for those injuries.
We know you don’t want to spend a lot of money on your motorcycle insurance. You can save up to 25% with our Multi-Policy Discount if you have home insurance or another qualifying policy, product or account with us. The discount may also be extended to unmarried children under age 25 who live away from home.
(Availability and amount of discount vary by state.)
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Whether it's a question about your bill, your policy or a claim, we have answers. Pay your bills, print your insurance cards, report a claim and more in My COUNTRY.
Reach us how and when you want.
We added some new features to MyCOUNTRY. Now you can check for status updates on claims, view and print insurance cards, and add or delete drivers and vehicles.
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1In GA and ID, three years.
2Not available in all states or on all policies.