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Motorcycle coverages

Motorcycle Insurance

When it’s just you, your motorcycle and the open road, life’s possibilities are just about limitless. That’s why our motorcycle insurance works hard to inspire and protect your adventurous spirit!

American Family motorcycle insurance covers everything from your boots to your handlebars. And because we know no two bikes are alike, our customizable coverages help you protect your unique ride — so you can stay focused on the road ahead.

Hit the highway with smart, customized coverage and the support of your very own American Family Insurance agent — no matter what dream-inspiring journeys you find yourself on. Get an insurance quote for your motorcycle.

Motorcycle Insurance Coverage to Keep Your Dreams Moving Forward

Whether it’s a scooter for getting around town, or a touring cycle for those cross-country treks you’ll never forget, our protection can be designed just for you.

Motorcycle protection. Put yourself at ease. We’ll help you repair or replace your ride with collision coverage for crashes, and comprehensive coverage for theft, fire or storms. Have you tricked your motorcycle with extra chrome, saddlebags or a trailer? Our policy automatically gives you $3,000 of customization coverage, with higher limits available.

Gear protection. Safety 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.

Additional support. So, you’ve accidentally backed your bike into your car. Now what? With our collision deductible waiver, if both your motorcycle and car are insured by us, we’ll waive one of the deductibles.

Earned accident forgiveness. Your good driving habits really pay off! If you and the drivers on your policy have been accident-free with your current insurance company for five consecutive years, switch to us and your first accident won’t cause a rate increase* — no matter how much your claim comes to.

Protection for your future. We all make mistakes. If you accidentally hurt someone or damage their property, our liability coverage will help keep you financially protected, so you can keep your future plans on track.

Insurance for Many Types of Motorcycles

Motorcycles come in all shapes and sizes — just like their riders! That’s why we offer protection for a variety of different models including cruisers, sport motorcycles, mopeds, motorized scooters and touring motorcycles.

However, there are some exclusions when it comes to custom or high value motorcycles and motorcycles designed specifically for racing. If you think your ride might fall under one of those categories, connect with your agent today and learn more about how we can protect your two-wheels.

Added Coverage, Extra Peace of Mind

Medical expense coverage. If you’re hurt while on your motorcycle, this will help pay for medical care to get you back to your old self.

Uninsured motorist coverage. This protects you if you or anyone riding on your motorcycle is hurt in an accident that was caused by an uninsured vehicle or a hit-and-run driver.

Underinsured motorist coverage. This helps pay for the balance when another driver is at fault and doesn’t carry enough insurance.

Emergency road service. Did your bike break down? Got a flat tire? Have a dead battery? With this inexpensive coverage, all it takes is a call to 1-800-MYAMFAM (692-6326) anywhere, anytime to get the help you need to get back on the road. This assistance will help if you run out of fuel or are experiencing mechanical issues, flat tires, a dead battery and more.

How Much Does Motorcycle Insurance Cost?

On average, motorcycle insurance can cost anywhere from a few hundred dollars to over a thousand dollars per year. The cost for motorcycle insurance varies per owner depending on a number of factors, including:

  • The state you live in
  • Motorcycle’s body style, year, make, model and engine size
  • Your driving history
  • Bike safety features
  • What you use it for
  • Your age
  • Modifications and customizations
  • How much coverage you purchase

Have Questions?

No two riders are alike, so it’s not always easy to know what kind or how much insurance to get. But we’re here to help! If you’ve still got questions, see our motorcycle insurance FAQs, study up on the variety of motorcycle insurance discounts we offer and learn more about why people choose American Family.

Ready for Your Motorcycle Insurance Quote?

When you’re ready, an American Family Insurance agent near you is happy to help you choose exactly what policy and price is right for your unique lifestyle. Connect with yours today and get your two-wheels the custom protection they deserve.

*Must have no major traffic violations in the household to be eligible.