Motorcycle Insurance: The Road is Ready for You

From mopeds to muscle bikes, we'll make sure your motorcycle is road ready with the right insurance.

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

What is motorcycle insurance?

Motorcycle insurance provides coverage similar to auto insurance and is available for motorcycles, motor scooters and 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.

Coverage options

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

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: $501, $100, $250, $500, $1,000


Coverage for your motorcycle from claims like theft, vandalism, hail, and falling objects.

Deductible choices: $0, $501, $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

Liability 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.

Medical coverage

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 years2 of a covered accident.

Personal Injury Protection1 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.

Uninsured Motorists

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.

Underinsured Motorists

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.

Multi-policy discount

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.)

Ready to start?

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

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

1Not available in all states or on all policies.
2In GA and ID, three years.

For product and service information, read our Terms & Conditions.