What is motorcycle insurance?

Motorcycle insurance helps protect you and your motorcycle if you're in an accident. In general, motorcycle insurance can help pay for damages and/or injuries you may cause due to an at-fault accident. These Liability Coverages are required in most states, but the amount needed can vary.

Is motorcycle insurance expensive?

Just like car insurance, the value of your motorcycle can impact the cost of your insurance. If you ride a more expensive bike, you can expect your cost to be a bit higher compared to a less expensive one.

How much is motorcycle insurance?

Motorcycle insurance is normally cheaper than auto insurance. A typical motorcycle policy costs about $33 per month or $400 per year. The amount you pay for a motorcycle policy is based on many factors including Location Driving history Features of your bike

Is motorcycle insurance required?

Yes, in most states you're required to have motorcycle insurance to legally drive your bike on the road. These requirements normally follow the same coverage and limits required for auto insurance and vary by state. In most cases, you'll need at least Bodily Injury Liability Property Damage Liability

What types of motorcycles or bikes are covered by Liberty Mutual?

At Liberty Mutual, we insure a wide range of motorcycle sizes and types. From cruisers to tour-sport bikes we've got you covered.

How to compare motorcycle insurance companies

When comparing motorcycle insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best motorcycle insurance or the cheapest motorcycle insurance. That's because there are common coverages most states require like Personal Liability Bodily Injury Liability to others

Does motorcycle insurance cover theft?

Yes, motorcycle insurance can help cover you if your bike is stolen, if you have the right coverage. Most policies handle theft through Comprehensive Coverage.

Does motorcycle insurance cover medical?

For injuries to yourself, you need to add medical coverage. This is either Med Pay or PIP depending on the state you live in. These optional coverages can help you pay for medical bills if you're injured in an accident regardless of fault.

Do I need a motorcycle license to get insurance?

No, a motorcycle license isn't required to get motorcycle insurance. That being said, most insurance companies will require it, and most states require a motorcycle license depending on bike type. You'll want to shop around to find out what works best for you.

Who's considered a household or domestic employee?

Simply put, a household or domestic employee is a person who is paid to provide a service at their employer's private home. This can include full and part-time employees.

Do I need insurance for people who work in my home?

In general, it's recommended to have insurance for people who work in your home. How, and where you get insurance can vary with some things based on your state and company as some

What about contractors who do work in my home?

In general, a self-employed person who works at your house with their own equipment is considered an independent business and not a household employee.

What does insurance for residence employees cover?

Common insurance for household employees can cover Personal Liability: This helps protect employers against negligence claims if a worker is injured while on the job. Employment-related claims: Protects employers who are accused of employment-related claims like discrimination, wrongful termination, and sexual harassment. Damage to property: Covers the cost of repairs or the replacement of an employer's property if a domestic worker accidentally damages property while performing their regular duties. Workers' compensation: Provides coverage for medical care and physical rehabilitation for an employee who is injured while on the job. It also covers lost wages for the employee if they're injured and unable to work, as well as a death benefit.

Does my homeowners, condo, or renters policy provide any coverage for my household employee?

How much coverage you may have with your homeowners, condo, or renters insurance for a household worker depends on your policy. In general, homeowners policies typically exclude coverage for domestic employees if they're required by law to be covered under a workers' compensation policy. However, if you ahve a domestic worker that only works in your home on an occasional basis, he or she may be covered under your homeowners policy. Regular and/or full-time employees should be able to be added to your home insurance policy by contracting your insurance company.

What if I have staff that live in my home?

Having live-in workers may require additional insurance to provide you with specific protection against liablity risks. If you have live-in domestic staff, be sure to fully understand what is and isn't covered under your existing homeowners, condo, or renters policy, as well as limits. If you're in-doubt about whether or not your household employee in covered under your insurance, its's best to talk to your insurance company to understand your options.

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How long can I stay on my parent's car insurance?

How long can I stay on my parent's car insurance?

Being a driver on your parent's auto insurance policy is easy and can save you money. But how long can you stay on your parent's policy?

Get my price

mother and daughter hugging after packing up the car before daughter heads off to college

Unlike health insurance, which can have an age limit of 26, you can stay on your parent's car insurance policy indefinitely if you live in the same house. Now, if you move out, you'll probably need your own.

Here are some things to think about when deciding whether to buy your own car insurance policy or stay on your parent's car insurance.

Can I stay on my parent's car insurance even after I'm married?

If you and your spouse share the same primary residence as your parents, you can typically stay on their policy after you're married. Your spouse can also be added to your parent's auto policy as a driver if they live in the same house.

If I live in the same house as my parents but own my own car, can I stay on their insurance?

Depending on your parent's insurance company and state you live in, you may be able to stay on their auto insurance policy if you own your car. However, the car must be kept at the same address as your parents. If you own your car but keep it at another primary location or home, you'll need to buy your own auto insurance.

If I'm away at school, can I stay on my parent's car insurance?

Yes. You can stay on your parent's car insurance if their home is still your primary residence. Even if you take your car to school with you, you can typically stay on your parent's policy as a dependent.

Some insurance companies offer a Student-Away-at-School Discount¹ for parents with students away at school and only occasionally drive their car.

Can I stay on my parent's car insurance if I move out?

No. You must buy your own car insurance policy if your primary residence has permanently changed.

Am I automatically covered by my parent's car insurance if I live at their house?

No. To have coverage under your parent's auto insurance, you must be listed as an authorized driver on their insurance policy. Your parents must contact their insurance company to have you added to their auto insurance contract.

Will I get kicked off my parent's car insurance at 26?

No. You won't be kicked off your parent's car insurance when you turn 26, if you still live in the same house.

See how much you could save on car insurance when you only pay for what you need.

Begin your free online quote

Please note: Information presented on this page is intended to be general information about insurance and is not specific to Liberty Mutual policies. Policies and coverages vary by state and insurer. Contact your insurance company to understand specifics regarding your policy and coverages.

¹Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

How long can I stay on my parent's car insurance?

Can I stay on my parent's car insurance even after I'm married?

If I live in the same house as my parents but own my own car, can I stay on their insurance?

If I'm away at school, can I stay on my parent's car insurance?

Can I stay on my parent's car insurance if I move out?

Am I automatically covered by my parent's car insurance if I live at their house?

Will I get kicked off my parent's car insurance at 26?

You could save up to 12% when you buy customized car insurance online

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