LIABILITY COVERAGE
Liability coverage helps pay for the expenses from bodily injuries and property damage you cause to others in an accident where you are at fault.
WHY PAY MORE?
GET AFFORDABLE DIRT BIKE INSURANCE RATES
Motocross 
Enduro 
Trail
Dual-Sport
Other
HANDPICKED CARRIERS –
LOWER COSTS, HIGHER SATISFACTION
WHAT TYPES OF DIRT BIKES CAN I INSURE WITH CINCO?
Motocross Bikes
Built for high-speed racing on dirt tracks, motocross bikes require solid coverage for accidents, damage, and liability during intense off-road competition.
Enduro Bikes
Designed for long-distance off-road races, enduro bikes need comprehensive coverage to protect against trail damage, accidents, and liability on challenging terrains.
Trail Bikes
Perfect for beginner to intermediate riders, trail bikes need insurance for liability, accidents, and theft, ensuring a safe and enjoyable off-road experience.
Dual-Sport Bikes
These versatile street-legal bikes require coverage for both on-road and off-road riding, including accidents, damage, and theft during long adventures.
Adventure Bikes
Perfect for off-road touring, adventure bikes require robust insurance to cover long-distance travel, rough terrains, accidents, and potential damage on the road.
WHY IS CINCO THE BEST CHOICE FOR DIRT BIKE INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/ Phone/ In-Person Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY DIRT BIKE?
COLLISION COVERAGE
Collision coverage helps pay for repairs or replacements if your dirt bike is damaged in a collision or accident, getting you back on the trails fast.
COMPREHENSIVE COVERAGE
It protects against damage caused by events other than collision, such as theft and natural disasters, offering broader protection for your dirt bike.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
UM/UIM coverage helps cover your damages if you're in an accident with a driver with inadequate or no insurance, protecting you from out-of-pocket costs.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
MedPay helps cover the medical expenses for you and your passengers after an accident, ensuring your health and financial well-being are protected.
PERSONAL INJURY PROTECTION (PIP)
Covers medical expenses, lost wages, and rehabilitation if you're injured while riding your dirt bike, regardless of who’s at fault.
ROADSIDE ASSISTANCE
Roadside assistance provides help for mechanical issues or breakdowns, including towing and minor repairs, so that you can resume your journey soon.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Protects custom parts and accessories on your dirt bike from theft, damage, or loss, ensuring your upgrades are fully covered.
GAP INSURANCE
Covers the difference between the value of your bike and the remaining loan balance if it’s totaled or stolen, ensuring you're not left with a financial gap.
ACCESSORY COVERAGE
Covers additional accessories on your dirt bike, such as helmets, handlebars, or saddlebags, from damage or theft.
HOW IT WORKS
EXPLORE
With CINCO as your trusted ally, you can review quality motorcycle insurance options to find a plan that fits your needs. Get on our website right now!
CONNECT
Contact our insurance experts today for advice and assistance to ensure your dirt bike insurance meets your requirements perfectly.
COMPARE
You can assess cheap dirt bike insurance plans from various providers to find the best value and protection for your ride.
WHAT IS DIRT BIKE INSURANCE?
Dirt bike insurance is a specialized policy that insurers offer to protect riders and their bikes. It financially covers you and your dirt bike in the event of an accident, theft, or damage, mainly while riding off-road. It primarily covers the costs of repairs, medical expenses, and liability for any injuries or damages you cause to others in an accident while riding your two-wheeler.
The typical coverage options added to your dirt bike insurance policy are liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Add-ons include roadside assistance and gap insurance. When seeking coverage, obtaining an insurance quote is a crucial first step in understanding the potential costs involved, which helps you make a choice that fits within your price range.
FACTORS THAT IMPACT DIRT BIKE INSURANCE RATES
Dirt bike insurance rates are not always the same for two riders, primarily because every rider has different circumstances. Your insurance provider considers many factors before deciding on your premium; for example, someone with a high-risk profile pays higher prices than someone with a clean driving record. This is because the insurer views the former as more susceptible to causing accidents, leading to repeated claims. Here are some factors that may influence your insurance premiums:
Driving History
Age and Gender
Location
Vehicle Type and Model
Credit Score
Coverage Level
Deductible Amount
Claims History
Annual Mileage
Insurance Provider
Marital Status
Type of Driving
Discounts and Bundles
Safety Features in the Vehicle
State Laws and Regulations
WHO IS REQUIRED TO HAVE DIRT BIKE INSURANCE?
Dirt bike insurance provides valuable protection for its riders, covering them against unforeseen circumstances such as accidents, theft, and roadside emergencies. This type of motorcycle is mainly used by those who prefer off-road travel. However, off-roading comes with risks, such as collisions and other accidents, making auto insurance an essential prerequisite. While every vehicle owner needs auto insurance, here are some people who need this insurance the most:
Dirt bike owners for financial protection.
Riders participating in off-road events or races.
Individuals financing or leasing their dirt bikes.
High-risk riders needing liability coverage.
Owners of custom or high-value dirt bikes.
Riders in areas with mandatory dirt bike insurance requirements.
Frequent off-roaders who want accident coverage.
Youth riders for additional safety coverage.
Seasonal riders looking for flexible insurance options.
Off-road riders traveling with their bikes.
WHY DO I NEED INSURANCE FOR MY DIRT BIKE?
WHAT DISCOUNTS CAN I GET ON DIRT BIKE INSURANCE?
Dirt bike insurance is not always cheap and budget-friendly; sometimes, the prices can be overwhelming. Luckily, many insurance providers offer various discounts on their coverage options. You can always ask your agent to help you look for relevant discounts based on your profile. See which discounts you may qualify for; for example, if you have a clean driving record, you may be eligible for a good driver discount. The following are some of the most common discount options you may want to consider:
Safe Driver Discount
Good Student Discount
Multi-Policy Discount
Multi-Vehicle Discount
Low Mileage Discount
Defensive Driving Course Discount
Anti-Theft Device Discount
Pay-in-Full Discount
Paperless Billing Discount
Automatic Payment Discount
Accident-Free Discount
Affinity or Membership Discount
New Vehicle Discount
Military Discount
Homeowner Discount
Loyalty Discount
Green Vehicle Discount
Usage-Based Insurance Discount
Senior or Mature Driver Discount
Occupation-Based Discount
HOW MUCH DOES DIRT BIKE INSURANCE COST?
According to ValuePenguin, dirt bike owners can expect to pay around $13 monthly for minimum liability insurance, amounting to $156 annually. For full coverage options, the costs can rise to around $66 per month, amounting to $782 a year. While the average rates provide insight regarding how much dirt bike insurance costs, your actual premiums can vary significantly depending on your circumstances.
Every policyholder is different and has different insurance needs and preferences, leading to diverse coverage choices, limits, and insurance premiums. If you cannot do so, you can also hire a reputable insurance broker to help you secure cheaper rates; they have the right qualifications and skills from years of experience in the industry.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE DIRT BIKE INSURANCE QUOTE?
It is easy to secure a reliable insurance plan for your dirt bike; however, certain requirements are set forth by your insurer that you must complete. Every insurance provider needs to assess risks and several aspects of your driving experience to determine the right insurance plan for your dirt bike. That’s why you should always submit complete and accurate information to your insurer to avoid future complications. Here are some essential requirements of dirt bike insurance:
GET A FREE DIRT BIKE INSURANCE QUOTE
Experience the freedom of the trails with peace of mind! Get a free quote from CINCO by filling in your personal details, adding any additional vehicles or people, and exploring potential discounts.
Within hours, one of our dedicated agents will reach out to provide you with your free quote—delivered in under a day!
We work with top-tier insurance carriers, providing you with a wide range of options. Don’t worry; our agents are always here to guide you through the process. What are you waiting for? Apply now!
Motocross
Enduro
Trail
Dual-Sport
Other
AMERICA’S FAST GROWING INSURANCE
With over 7,000+ 5 star Google reviews and counting!
Vanessa Echeverry
I love Karina’s customer service. She is amazing—super friendly and super quick at getting you your insurance and on your way! She makes the entire process easy and is very helpful. Thank you, Karina!
Google Review
Walter P
I referred a few people here because of the exceptional job my rep provided. I call her my rep because she’s the only one I’ll go to from now on, and she’s the one I’ll refer my family to. I appreciate Paula for going above and beyond with me and the referrals I provided. All of this is due to the focus she placed on my situation. I will continue referring people to Paula for insurance solutions. Thank you again!
Google Review
Joyce Evans
Thank you, Javier, for the professional customer service. I am a senior citizen and don’t always get things right the first time. Thank you for your patience. I’m glad to have CINCO Insurance close to me in Garland on Northwest Highway.
Google Review
Doris Edmond
I spoke with Veronica, an agent with CINCO. She was the BEST! I was so stressed because I had been looking for coverage. Veronica took away all my stress. She worked with me tirelessly until she found auto coverage I could afford. I highly recommend her. She's professional, kind, courteous, and—most of all—patient. The definition of good customer service is VERONICA—my agent for life!
Google Review
Alva Ayuso
Valeria was very patient and courteous with us, answered all our questions, and helped us with all the paperwork! We will definitely recommend CINCO Auto Insurance to all our friends. Very satisfied!
Google Review
Rosalinda Alvarez
THANK YOU SO MUCH, AIME!! She offers outstanding customer service, going above and beyond to ensure a smooth and satisfying experience. Her professionalism, responsiveness, and attention to detail make every interaction pleasant and efficient. I highly recommend Aime 100% for her dedication to excellence and commitment to customer satisfaction! My family and I have found a great insurance company—all thanks to Aime.
Google Review
Alexus Monique
I’m currently looking for car insurance, and I’m so glad I decided to try this place out. The insurance agent Paula was very knowledgeable and sweet. She answered all my questions and made sure I didn’t leave with any doubts! I’m highly satisfied with my experience here and will be recommending this place. 😊
Google Review
Zouquayla Butler
I recently joined CINCO, and getting started was easy breezy. Javier is a 10/10—highly recommend! Great customer service, like we were old friends catching up while taking care of business. Thanks again, Javier. Awesome!
Google Review
Jose Santos
The service is excellent, and they help you with everything. You just have to be available, and they’ll do the work for you. I loved the work my agent Yolanda did. I recommend her—just ask for her!
Google Review
Rebecca Esquivel
Javier was awesome to talk to. He explained everything in detail and even repeated himself multiple times. Very, very patient with me—quick and ready to go! I was struggling to get a good quote, but he got me in and out. Thank you, Javier. 10/10 recommend!
Google Review
