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.

What is Bodily Injury Liability?

Bodily Injury Liability Coverage (BI) is the part of your insurance that helps pay for injuries to others if you're at fault for an accident. It can also help pay for legal fees if you're sued for damages. In general, BI is one of the coverages required by most states and is included in most car insurance policies. That being said, it's still a good idea to make sure it's part of your policy.

What does Bodily Injury Liability cover?

Medical expenses For injuries to others, this can include payment for things like Emergency care services Hospital fees Ongoing care costs, and more Legal fees and legal counsel Bodily Injury Liability can help pay the cost of your legal defense and any associated court fees if the other party sues you. Loss of income For an at fault accident, Bodily Injury Coverage can help pay expenses for others injured in the accident if they have to miss work or can't work due to their injuries. Pain and suffering In some cases, claims may involve payment when there is emotional stress or prolonged pain from an accident. Funeral costs In the unfortunate event that an accident results in a fatality, Bodily Injury Liability coverage will help pay for any related funeral costs.

How much Bodily Injury Liability do I need?

Depending on where you live, your state may have a minimum Bodily Injury Liability requirement to register your vehicle.

What are Bodily Injury Liability limits?

In general, BI limits are broken into 2 parts. This is often shown as a "number/number" (ex., 100/300). Here, the numbers are In the thousands 1 is the per person limit 2 is the per accident limit

What's the difference between Bodily Injury Liability coverage and Property Damage Liability coverage?

Bodily Injury Liability Coverage and Property Damage Liability Coverage both help protect you if you're at fault for an accident. The difference is in what types of bills they pay for.

How much does Bodily Injury Liability insurance cost?

In states where it's required, Bodily Injury Liability is generally accounted for in the overall price of your policy. If you choose to increase your coverage limit for extra protection, this will likely increase your premium depending on the amount you pick.

Married couples have important life insurance considerations. For example Does your household depend on both of your incomes? Are you the primary wage-earner in your household with a stay-at-home spouse who depends on you for financial support? If one of you were to unexpectedly pass away, would the surviving spouse have the financial means to make ends meet? Do you want to leave your spouse enough money to cover your funeral and other final expenses?

If you're a parent, your child(ren) depend on you for financial support. If you were to die unexpectedly, life insurance can help Provide your spouse with the money needed to raise your child(ren) Let your family continue to live in their home and maintain their current lifestyle Pay off your mortgage and other debts Provide for your children's future education and healthcare costs Help your surviving spouse cover additional expenses like the cost of hiring housekeeping services, childcare, shopping, and other tasks he or she is responsible for Relieve your spouse of the burden of having to cover your funeral and burial costs

Who needs life insurance?

Whether or not you need a life insurance policy depends on a number of factors. Here, we'll help you learn more about the importance of life insurance and if it's right for you.

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Why is life insurance important?

Life insurance helps provide financial protection for others by paying them a cash benefit upon your death. Whether you're the primary wage-earner in your family, a young adult with debt, an adult caring for your elderly parents, or a business owner, life insurance gives you peace of mind knowing if you unexpectedly pass away, the people you love will have the financial resources they need.

Is life insurance right for you?

Life insurance can seem complex, making it difficult to know if you need coverage. We'll look at different life stages to help you understand if life insurance is right for you.

Young adults and single people

People who are young, healthy, and single often think they don't need life insurance. However, there are many reasons why you may want to consider buying a life insurance policy when you're young and/or single.

You have co-signed loans you don't want to leave behind after you're gone
You have a parent or sibling who depends on your income for support
You want to leave loved ones enough money to cover your final expenses
Buying a policy when you're young and in good health can be extremely affordable
Buying a policy early in life locks you into lower rates today and gives you coverage you may need in the future
The cash value in a permanent life insurance policy, like whole or universal life, can build over time and be used for things like buying a home or paying for college

Married couples

Married couples have important life insurance considerations. For example

Does your household depend on both of your incomes?
Are you the primary wage-earner in your household with a stay-at-home spouse who depends on you for financial support?
If one of you were to unexpectedly pass away, would the surviving spouse have the financial means to make ends meet?
Do you want to leave your spouse enough money to cover your funeral and other final expenses?

Parents

If you're a parent, your child(ren) depend on you for financial support. If you were to die unexpectedly, life insurance can help

Provide your spouse with the money needed to raise your child(ren)
Let your family continue to live in their home and maintain their current lifestyle
Pay off your mortgage and other debts
Provide for your children's future education and healthcare costs
Help your surviving spouse cover additional expenses like the cost of hiring housekeeping services, childcare, shopping, and other tasks he or she is responsible for
Relieve your spouse of the burden of having to cover your funeral and burial costs

Empty nesters and retirees

While a policy will typically cost you more as you become older, you shouldn't overlook the importance of life insurance. At this stage in your life, considerations for life insurance can include

Leaving your loved ones with the money to cover funeral, burial, and other end of life expenses
Covering possible probate costs and estate taxes
Leaving a legacy to a favorite charity or cause that you care deeply about

Other situations to consider a life insurance policy can include

Being a homeowner

Life insurance can pay off your mortgage, helping to ensure it stays in your family after your death
Even if your home is paid for, life insurance can help cover other expenses such as taxes, utilities, and home maintenance costs

Running a business

If you co-run a business, life insurance can provide your business partner(s) with the funds needed to keep the business going upon your death
Life insurance can also help cover business debts and expenses your family may need to cover to keep the business running

Having loans with co-signer

If you have outstanding loans that require a co-signer, life insurance can ensure you leave enough money to cover the balance of your debt after you die. Doing so will relieve family members of having to take on your financial obligation should you unexpectedly pass away.

Thinking about life insurance?

As you can see, there are a lot of different situations for buying the financial protection of life insurance. The good news is there are various types of life insurance and most can be fully customized to meet your individual needs and budget.

Learn more about your life insurance options with Liberty Mutual.

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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.