Motorcycle insurance policies typically include liability coverage, which covers injuries/damage to others in an accident that you caused, as well as uninsured/underinsured motorist coverage, which protects you if you’re hit by someone without insurance. Optional coverage can include collision, which covers damage to your motorcycle, and comprehensive, which covers non-accident damage like theft or weather damage. In some cases, policies can also include medical payments coverage for your own injuries and accessory coverage for any added parts or accessories.

There are specific types of coverage required by law in most states when it comes to motorcycle insurance. Liability coverage is mandatory in almost every state, and coverage minimums can vary. Some states also require uninsured/underinsured motorist coverage as well as personal injury protection (PIP) or medical payments coverage. It’s important to check with your state’s requirements and select coverage that fits your needs and budget.