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Motorcycle coverages

Learn More About Motorcycle Insurance

When it’s you, your motorcycle and the open road, life’s possibilities are just about limitless. That’s why our insurance for motorcycles 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. 

What Does Motorcycle Insurance Cover? 

Whether it’s a scooter for getting around town, or a touring cycle for those cross-country treks you’ll never forget, our motorcycle insurance coverage options 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 coverage

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.

Collision deductible waiver

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.

Liability coverage

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. 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.

What Motorcycle Insurance Doesn't Cover

Though your standard motorcycle policy protects you in many ways, there are some situations when it doesn’t protect you. For instance, if a driver without insurance hits you and causes damage to your cycle or causes bodily injury, you could be left covering the repair and/or medical costs. Or if you get stranded on the side of the road because of a dead battery, your standard policy doesn’t cover assistance. The good news is there are additional coverages you can add to your motorcycle policy for protection from instances like these.

It’s important to fully understand what’s included in your standard policy so you know what coverages to consider adding to your policy for a broader range of coverage and more peace of mind.

Save for the Unexpected With Our Diminishing Deductible Coverage

When you have a motorcycle insurance claim, you might have to pay a deductible before your insurance company kicks in to cover the repairs or replacement costs. At American Family Insurance, we know that a deductible isn’t always the easiest thing to pay after an accident. But with our Diminishing Deductible, we hope to ease that burden by offering a way to reduce your collision and comprehensive deductible amount. Here’s how it works:

Earn Credit Immediately

We’ll credit your deductible $100 day one. Let’s say you have a $500 deductible. Good news — it just dropped to $400.

Watch Your Deductible Diminish

Your deductible will continue to reduce each year at policy renewal, up to your policy’s maximum limit, as long as you maintain your policy with us.

Savings When You Need It

If you have a claim, you’ll pay a reduced deductible amount thanks to your Diminishing Deductible coverage. Your deductible then resets, so you’ll go right back to earning a reduced deductible amount.

Learn more about Diminishing Deductible coverage >

Added Motorcycle Insurance, Extra Peace of Mind

Take a look at additional coverage options available for extra protection on the road.

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

Uninsured motorist coverage 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 (1-800-692-6326) 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

Check out more information about motorcycle insurance costs here.

Do You Still Have Questions About Whether Motorcycle Insurance Is Right For You?

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.