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What does motorcycle insurance cover?
- Comprehensive CoverageComprehensive coverage helps protect your motorcycle if it gets damaged. Covered events include theft, vandalism or if you hit an animal such as a deer.
- Collision CoverageCollision coverage helps you repair or replace your motorcycle if it's damaged in an accident with another vehicle or object.
- Motorcycle Gear ProtectionSafety should come first when you hit the road — that’s why we offer protection for your riding gear. Get up to $1,000 of safety apparel coverage for your helmet, boots and other gear and ride on with style.
- Earned Accident ForgivenessA policy feature you don't pay for! As long as you've been accident-free for five years or more, you'll qualify for Earned Accident Forgiveness. You won't get a rate increase after the first at-fault accident. New and existing customers can qualify.**
- Motorcycle LiabilityDid your car damage someone else’s property — like their car or mailbox? This helps cover it.
- Medical Expense CoverageIf you’re hurt while on your motorcycle, this coverage helps pay medical expenses and up to a $2,500 for funeral expenses.
- Uninsured Motorist CoverageIf you are hurt in an accident with an uninsured vehicle or if the at-fault driver isn't found, this plan pays for bodily injury damages.
- Underinsured Motorist CoverageCoverage that helps pay when another driver is at fault and doesn’t carry enough insurance.
- New Vehicle ReplacementThis coverage can help you get a replacement motorcycle of the same make, model and year. Payouts apply only to new motorcycles and can't exceed 110% of the original price.
- Road Trip Accident AccommodationsIf you have an accident 100 miles or more away from home, this coverage helps pay for your expenses. We cover hotels, meals and alternate transportation.***
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The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.
*Customers who bundle an auto policy, home policy and motorcycle policy with American Family Insurance may save up to 26% on their auto policy (as of March 2022).
** No at-fault accidents or major violations in three years if you live in CO, KS or OR. Some coverages may not be available in your state. Available at renewal for existing policyholders. Please speak with your agent to learn more about your coverage options.
*** We’ll pay up to $600, subject to the per-day maximums of $100 for lodging, $100 for food and $50 for transportation. Coverage ends 24 hours after your insured car or rental vehicle is repaired or replaced. No deductible applies.