Does car insurance cover motorcycles?

Car insurance does not cover motorcycles. If you have a motorcycle, you will need to buy a policy specifically for it. There are some situations where car insurance covers a motorcycle but it won’t automatically be on every policy. To be fully covered, motorcycle owners should think about getting comprehensive and collision coverage on their motorbike as well.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 31, 2021

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The Highlights

  • For the best coverage, a frequent rider should consider purchasing a separate motorbike policy
  • You can save money by combining your motorcycle and car insurance policies
  • Your car insurance does not automatically apply to your motorcycle but a motorcycle endorsement on your policy might be sufficient

For people who own both, it’s easy to think your car insurance should cover motorcycles. But it’s not that simple. The answer to “Does car insurance cover motorcycles” is not as straightforward as you might think.

It pays to be prepared so you aren’t caught out if something unfortunate like an accident happens while riding your motorcycle. That way you can compare car insurance coverage and feel safe knowing you have the right policy.

Curious? Find out everything you need to know about if car insurance covers motorcycles below.

Before learning more about if car insurance covers motorcycles, enter your ZIP code for free quotes from top insurance companies offering affordable car insurance.

Does car insurance cover motorcycles?

Your car insurance will not automatically cover your motorcycle. There are a couple of methods you can use, however.

You can add an endorsement or rider to your current policy. It may not be enough, though, which is why you may want to consider a second option: a separate policy.

A separate policy is the best motorcycle insurance option for frequent riders. It allows you to upgrade to comprehensive coverage that will give you peace of mind when riding.

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Can you add a motorcycle to your car insurance?

You can add a motorcycle to an existing car insurance policy — but only if your insurer provides endorsements or riders. These are optional add-ons to your basic policy. You should also check that your insurer actually has motorcycle insurance as an option.

The requirements for getting motorcycle insurance are similar to getting car insurance.

You’ll have to respond to the same questions that were asked when you first purchased your car insurance. You will also need to show your motorcycle license, which is separate from and different from a car license.

How much does motorcycle insurance cost?

Again, motorcycle insurance is similar to car insurance. So the same things that apply to insuring a car are taken into account by the insurance company.

The table below will give you an idea of what motorcycle insurance might cost in your state.

Average Monthly and Annual Motorcycle Insurance Rates By State
StatesMonthly Motorcycle Insurance RatesAnnual Motorcycle Insurance Rates
Alabama$64$762
Alaska$45$540
Arizona$78$935
Arkansas$64$766
California$113$1,360
Colorado$50$602
Connecticut$56$668
Delaware$62$742
Florida$76$911
Georgia$74$883
Hawaii$45$540
Idaho$62$739
Illinois$56$677
Indiana$50$606
Iowa$34$414
Kansas$43$516
Kentucky$60$716
Louisiana$98$1,175
Maine$41$492
Maryland$67$801
Massachusetts$54$649
Michigan$90$1,083
Minnesota$49$592
Mississippi$56$677
Missouri$78$934
Montana$44$532
Nebraska$39$469
Nevada$54$644
New Hampshire$50$601
New Jersey$51$610
New Mexico$63$752
New York$81$969
North Carolina$64$763
North Dakota$32$382
Ohio$48$575
Oklahoma$59$708
Oregon$54$652
Pennsylvania$55$661
Rhode Island$74$889
South Carolina$65$781
South Dakota$39$472
Tennessee$68$820
Texas$60$723
Utah$66$794
Vermont$43$515
Virginia$59$703
Washington$57$688
West Virginia$54$653
Wisconsin$42$501
Wyoming$37$439
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Also, a motorcycle insurance buying guide will give you an idea of what potential discounts may be available. However, getting a personalized quote is always the best option.

Now that you know more about if car insurance covers motorcycles, enter your ZIP code to get rates from the best insurance companies in your area right now.

Frequently Asked Questions: Does car insurance cover motorcycles?

Have more questions about motorcycles and car insurance? Here are some answers to frequently asked questions about if motorcycles are covered under car insurance.

#1 – Does my motorcycle insurance cover me to drive a car?

Motorcycle insurance does not cover cars, but you may be able to add a rider to your policy that will extend coverage.

#2 – Does my motorcycle insurance cover other riders?

Your motorcycle insurance will cover other drivers as long as they are licensed. It also covers passengers.

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