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Riding a motorcycle isn't the same as driving a car. It's more freedom, more adrenaline — but also more exposure. NHTSA data shows motorcyclists are 24× more likely than car occupants to die in a crash per mile traveled. The right policy is essential.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Liability Coverage
Required in Washington (25/50/10 minimum). Pays for injuries and property damage you cause to others in an at-fault crash.
Collision Coverage
Pays to repair or replace your motorcycle after a crash with another vehicle or object — regardless of fault.
Comprehensive Coverage
Covers non-collision losses. Especially important given how often motorcycles are stolen.
Medical Payments
Pays medical and funeral expenses for you and your passenger after an accident — no fault required.
Uninsured/Underinsured Motorist
Critical for riders. Protects you when an uninsured or underinsured driver causes a crash that injures you or damages your bike.
Additional Coverages
Options that cover what standard policies often leave out.
Not All Companies Insure Motorcycles the Same Way
Carriers vary widely on accessory limits, OEM part requirements, and whether passenger liability is included by default. Standard policies often cap custom parts coverage at $3,000 — well below what most riders have invested.
Our Approach
Instead of giving you a standard option, we find the right protection for when you really need it.
Compare different carriers
Evaluate your real profile
Adjust coverage and cost to your situation
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.