Motorcycle Insurance

From mopeds to muscle bikes, two wheels need the same protection as four.

Or call 866-COUNTRY (866-268-6879), and we'll help you find motorcycle insurance that works for you.

Motorcyclist riding a chopper on a road in morning sun

How does it work?

Motorcycle insurance provides coverage for motorcycles, motor scooters and motorized bicycles. It's a lot like car insurance and includes many of the same coverages.

Coverage information

Motorcycles are considered seasonal vehicles in some states, and we know there are some months you use your bike very little. Your premiums take that seasonal usage into account.

Physical damage

This coverage includes protection for damage to your motorcycle if you have a claim. It has two parts, protection if you hit a car or get into an accident (collision) and protection against theft, vandalism, hail and falling objects (comprehensive).

It also protects you from damages caused by someone who does not have insurance or a hit-and-run (Uninsured Motorists Property Damage). The rules, deductibles and availability for this coverage varies by state, so ask your rep about the specifics for where you live.

Liability and medical

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 expensive, so it’s important to carry 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.

Uninsured and Underinsured Motorist Protection

This coverage protects you if you’re injured in an accident caused by an uninsured or underinsured driver.

What's the average cost?

Motorcycle insurance doesn't have a set price, but some factors that affect your cost are: 

  • Your driving history 
  • How many and what types of claims you’ve had in the past 
  • How much of the financial risk you take (your deductible) 
  • The limits you select for liability and medical coverage 

Multi-policy discount

Save money with our multi-policy discount when you purchase one or more of our qualifying policies, products or accounts. The more policies you have, the more you can save!

(Availability and amount of discount vary by state.)

Two motorcycles park outside a house garage

What information do I need for a quote?

Keep this information on hand for an easy quote process.

  • VIN Number 
  • Make 
  • Model 
  • Year 

How do I file a claim?

To start or check the status of a claim you can:  

Ready to start?

Find a local rep or call 866-COUNTRY (866-268-6879). We'll help you find motorcycle insurance that works for you.

You might also like...

  • Couple talking while driving in a new car.

    Why is Car Insurance so Expensive?

    Many factors make car insurance costs increase. Cost of repairs, car theft and your personal driving history are a few. Learn what drives car insurance rates.

  • Family leaving for work and school inside SUV

    4 Ways to Save Money on Car Insurance

    Save money on car insurance by following the speed limit, keeping your credit score up, choosing your car carefully and making sure you get all the auto insurance discounts you qualify for.

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Motorcycle insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL. 

For product and service information, read our Terms & Conditions. Read our full Financial Services Summary Handbook.