LIABILITY COVERAGE
Liability insurance helps pay for the costs of bodily injuries and property damage you cause to others in an accident for which you are responsible.
WHY PAY MORE?
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WHAT TYPES OF MOTORCYCLES CAN I INSURE WITH CINCO?
Cruiser Motorcycles
Knowing you have a safety net to rely on, you can confidently ride your cruiser motorcycles. We help make your cruiser adventures stress-free and enjoyable with reliable plans.
Sport Bikes
These high-performance vehicles are designed for speed. We help you find customized insurance that ensures thrill-seekers like you can ride with security and peace of mind.
Touring Motorcycles
Built for long-distance comfort, touring motorcycles feature spacious storage, advanced suspension, and additional amenities. Ensure full coverage for your ride.
Dirt Bikes
Dirt bikes are the best off-road vehicles, with rugged tires and suspension systems. With our tailored help, find the cheapest plan for your ride today and enjoy your adventures.
Electric Motorcycles
Eco-friendly and efficient, electric motorcycles offer a smooth, quiet ride. Ensure you're covered for accidents, theft, and potential battery damage with the right insurance.
Scooters
Scooters are easy-to-use vehicles for everyday travel. A reliable scooter insurance plan for your lightweight two-wheeler helps ensure a stress-free ride on the open roads.
WHY IS CINCO THE BEST CHOICE FOR MOTORCYCLE INSURANCE?
Competitive Rates
Industry Expertise
With or Without a License
With Good Credit, Bad Credit, or No Credit
Online/
Phone/
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Services
Multiple Convenient Locations Near You
WHAT COVERAGES CAN I GET FOR MY MOTORCYCLE?
COLLISION COVERAGE
Collision coverage pays for your motorcycle's repair or replacement expenses if you are involved in a collision, preventing major financial setbacks.
COMPREHENSIVE COVERAGE
This coverage protects you against various non-collision damages, including vandalism, theft, fire, and weather-related issues, providing broader protection.
UNINSURED/UNDERINSURED MOTORIST COVERAGE
UM/UIM coverage helps pay for your medical expenses, lost wages, and vehicle repair if a driver with insufficient insurance or no insurance hits you.
MEDICAL PAYMENTS COVERAGE (MEDPAY)
Regardless of fault, medical payment coverage pays for your and your passenger’s medical costs after an accident, helping manage expensive medical expenses.
PERSONAL INJURY PROTECTION (PIP)
PIP coverage helps you pay for medical expenses, lost wages, and additional costs, offering financial protection for you and others in an accident.
ROADSIDE ASSISTANCE
Roadside assistance coverage provides immediate assistance for motorcycle breakdowns by helping you access services such as tire changes and jumpstarts.
CUSTOM PARTS AND EQUIPMENT COVERAGE
Custom parts and equipment coverage pays for aftermarket parts and customizations to your bike, which may not be included in standard insurance policies.
GAP INSURANCE
It covers the difference between the amount owed on your loan or lease and the actual cash value of your bike if it's totaled or stolen.
ACCESSORY COVERAGE
It offers added protection for motorcycle owners, helping cover the expenses of extra equipment, custom parts, or accessories added to their bikes.
HOW IT WORKS
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Whether you are looking for full coverage options or minimum liability, we can help you find the cheapest insurance options.
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COMPARE
We strive to offer competitive rates for motorcycle insurance. Contact us to compare quotes and find an option that provides the best value for your money.
WHAT IS MOTORCYCLE INSURANCE?
Motorcycle insurance is a contract that protects your motorcycle in case of collision, theft, vandalism, or damage. It helps cover various costs, such as repairing or replacing the vehicle and medical bills from injuries, in exchange for a certain premium. Whether you own a bike, motorcycle, moped, or any other two-wheeler, this insurance is essential for keeping your two-wheeler safe.
A motorcycle insurance policy protects you by providing the necessary financial, liability, and medical coverage in case you are involved in an accident. It may cover several additional needs, such as roadside assistance. Adequate insurance coverage not only provides financial assistance but also offers a safety net that offers assurance and peace of mind whenever you ride your motorcycle.
FACTORS THAT IMPACT MOTORCYCLE INSURANCE RATES
Your insurance provider determines your premiums after carefully considering your profile. While there are average estimates for motorcycle insurance rates, premiums can vary significantly based on various factors. These factors can increase or lower your premium rates, depending on your specific circumstances. For example, if you have a higher horsepower, there is an increased risk of speeding incidents, which can lead to higher rates. Here are some other prominent features your insurer mainly considers:
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 MOTORCYCLE INSURANCE?
Motorcycle insurance is crucial for riders of all types of vehicles, especially two-wheelers, as it provides protection on the road and offers peace of mind. Like regular auto insurance, this insurance helps cover a range of unexpected dangers, including accidents, theft, storms, vandalism, collisions with wildlife, and other similar events. Whether you ride your motorcycle once a week or daily, a comprehensive insurance policy is a consistent necessity. Here is a list of individuals who need this insurance the most:
Motorcycle owners to comply with legal requirements.
Individuals seeking protection from accident-related expenses.
Riders in states with mandatory motorcycle insurance.
Off-road riders needing specific coverage.
Seasonal riders needing flexible coverage options.
Riders financing or leasing their motorcycles.
High-risk riders for liability coverage.
Motorcycle club members for group events and rides.
Owners of custom or high-value motorcycles.
Riders participating in motorcycling events or competitions.
WHY DO I NEED INSURANCE FOR MY MOTORCYCLE?
HOW DOES MOTORCYCLE INSURANCE WORK?
Whether you purchase motorcycle insurance on your own or via an agent, you must answer some basic questions about yourself as the primary insured, your bike, and your desired coverage options. If your bike is ever damaged, stolen, in a road crash, or when you are held liable for someone else's bodily injuries or damages, your insurance comes in handy. It covers repairs, medical bills, etc.
Various factors affect your motorcycle insurance rates. You can file a claim under these circumstances, and your insurance provider will reimburse you for the amount you lost due to the damages up to your selected coverage limits. Your compensation depends on the limits you initially set when you purchased the policy. These are determined based on the extent of damage or the amount of compensation you expect.
HOW MUCH MOTORCYCLE INSURANCE DO I NEED?
Purchasing adequate insurance to protect your assets against unforeseen damage is essential. If you don't buy coverage options like comprehensive or collision, you must pay for the damages alone. You can get a motorcycle insurance plan for as low as $25 per month; however, if you stick to the minimum requirements of “30/60/25,” you won't be covered for most damages.
Before purchasing a plan, you must evaluate your needs and preferences. Look out for specific risks you are constantly exposed to; this ensures you have a plan that offers protection based on your requirements. You must also consider the legal requirements for minimal auto insurance so that you don’t suffer any penalties or charges. It primarily includes injury and property damage you cause to others.
WHAT DISCOUNTS CAN I GET ON MOTORCYCLE INSURANCE?
Motorcycle insurance costs may get overwhelming, especially if you have a compromised driving history or own a motorcycle with advanced features that are expensive to repair. Fortunately, all auto insurance companies offer various discounts to their customers, ensuring greater affordability. These are in the form of safety features and good driver discounts, each with its own qualification criteria. Here are some typical discounts insurers may offer, so look out for them when purchasing a policy:
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 MOTORCYCLE INSURANCE COST?
The amount you need to insure your motorcycle varies extensively. Whether you drive a Harley-Davidson or any other model, every motorcyclist has different requirements and needs, resulting in varying rates. However, based on available market data, ValuePenguin reports that the average cost of full-coverage motorcycle insurance is approximately $33 per month, totaling $396 per year.
However, depending on your circumstances, the price can be as high as $2,500. If you only purchase the state minimum liability coverage, you can expect to pay at least $12 and $13 per month or $144 and $156 per year. However, please note that minimum liability insurance does not cover all perils; you will need additional coverage options for comprehensive protection.
WHAT ARE THE ESSENTIAL REQUIREMENTS FOR AN ACCURATE MOTORCYCLE INSURANCE QUOTE?
Obtaining motorcycle insurance is a complex yet straightforward process; you may need to provide information on various subjects. You must submit complete and accurate information regarding what is being asked, or else it may lead to complications when you file a claim. Ensure that you include all significant details, as they may determine the amount of reimbursement you receive for an insured event. Here are some of the most common requirements you can expect for an accurate insurance quote:
GET A FREE MOTORCYCLE INSURANCE QUOTE
Looking for reliable motorcycle insurance? CINCO Auto Insurance offers affordable and tailored coverage plans for your two-wheeler. We make finding the perfect coverage simple and budget-friendly.
Once you submit your details, our agents will reach out with personalized insurance quotes within a few hours. Get an instant motorcycle insurance quote online—no need to overthink it. Apply now!
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Other
FREQUENTLY ASKED QUESTIONS REGARDING MOTORCYCLE INSURANCE
There is no fixed answer to this question; your motorcycle insurance rate depends on several factors, including your driving history, bike model, credit score, and coverage types and levels. Those factors decide whether your insurance is expensive or not.
Yes, you can get motorcycle insurance without a license. Multiple insurance providers accept different forms of identification, such as a foreign passport. Our agents can also help you get a reliable coverage plan with alternative identification forms.
Yes, most states legally require minimum liability motorcycle insurance to ensure you can cover potential liabilities in case of an at-fault accident. However, you must purchase additional coverage as it does not pay for the damage and repair to your motorcycle.
Yes, you can cancel your motorcycle insurance during winter; however, it is not usually recommended. If you cancel a policy during the winter, you also lose essential coverage for theft, vandalism, or other unforeseen damage to your motorcycle.
Motorcycle insurance is typically less expensive than that for other vehicles; however, high rates are often due to factors such as your driving record, type of bike, address, or coverage levels. Insurers usually assess your risk levels before determining a monthly insurance premium.
CRUCIAL MOTORCYCLE STATISTICS AND INSIGHTS YOU SHOULDN'T MISS
Motorcycles are exciting vehicles that give riders a unique sense of freedom and thrill. However, they do not come without their share of risks and responsibilities. Understanding the motorcycle ownership landscape, coverages, and accident patterns is essential for those who own a two-wheeler. It helps you stay aware of potential risk factors. The following statistics explore crucial aspects of motorcycle trends, including accident rates, insurance rates, market shifts, and various other things:
01
In 2022, 6,218 motorcyclists died, of which 15% of deaths were due to traffic fatalities. (NHTSA)
02
During the year 2022, the highest number of motorcycle deaths took place in June, which was 777. (NHTSA)
03
Statistically, motorcycle accidents tend to have a higher fatality rate compared to accidents that involve other types of vehicles. (Team Green)
04
After the first six months, the international sales of scooters, mopeds, and motorcycles have been 32.7 million, a 5.1% rise from the previous sales. (Motorcycles Data)
05
The motorcycle market in the US is expected to accumulate a revenue of $6.94 billion in 2024. (Statista)
06
The average age of motorcyclists in the US is approximately 50 years, reflecting a mature and experienced rider demographic. (WorldMetrics)
07
Harley-Davidson is the leading motorcycle manufacturer in the US, with a market share of around 30%. (WorldMetrics)
08
In some instances, motorcycles go unnoticed by larger vehicles as they are small, especially while switching lanes, leading to an increased risk of accidents. (Ardalan & Associates)
09
Motorcyclists are more prone to losing control and having poor visibility in rainy and foggy conditions. (Ardalan & Associates)
10
Helmets are effective in preventing motorcycle deaths; however, they only reduce the risk by about 37%. (CDC)
Note: These statistics were accurate at the time of publication and may change over time. Please refer to official sources for the most current data.
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