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Motorcycle Insurance

Find more freedom on the open road with coverage that goes anywhere you go. From mopeds to muscle bikes, two wheels need the same protection as four.

Find a local rep

Or call 866-COUNTRY (866-268-6879), and we'll help you find motorcycle insurance that works for you.

Sunset over an open road and a man with a helmet riding a chopper motorbike

How does it work?

Motorcycle insurance provides coverage for motorcycles, motor scooters and motorized bicycles. It's a lot like car insurance and includes many of the same coverages.

Coverage information

Motorcycles are considered seasonal vehicles in some states, and we know there are some months you use your bike very little. Your premiums take that seasonal usage into account.

Physical damage

This coverage includes protection for damage to your motorcycle if you have a claim. It has two parts, protection if you hit a car or get into an accident (collision) and protection against theft, vandalism, hail and falling objects (comprehensive).

It also protects you from damages caused by someone who does not have insurance or a hit-and-run (Uninsured Motorists Property Damage). The rules, deductibles and availability for this coverage varies by state, so ask your rep about the specifics for where you live.

Liability and medical

Liability insurance helps protect you if you’re at fault in an accident and responsible for injuries to others or damage to property. Medical costs and lawsuits can be expensive, so it’s important to carry coverage limits that are right for you. Coverage amounts vary by state and if you’re not sure what to choose, we can help you figure it out.

Uninsured and Underinsured Motorist Protection

This coverage protects you if you’re injured in an accident caused by an uninsured or underinsured driver.

What's the average cost?

Motorcycle insurance doesn't have a set price, but some factors that affect your cost are: 

  • Your driving history 
  • How many and what types of claims you’ve had in the past 
  • How much of the financial risk you take (your deductible) 
  • The limits you select for liability and medical coverage 

Multi-policy discount

Save money with our Multi-Policy Discount when you purchase one or more of our qualifying policies, products or accounts. The more policies you have, the more you can save!

(Availability and amount of discount vary by state.)

Two motorcycles park outside a house garage

What information do I need for a quote?

Keep this information on hand for an easy quote process.

  • VIN Number 
  • Make 
  • Model 
  • Year 

How do I file a claim?

To start or check the status of a claim you can:  

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Ready to start?

Find a local rep or call 866-COUNTRY (866-268-6879). We'll help you find motorcycle insurance that works for you.

Find a local rep

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Motorcycle insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL. 

For product and service information, read our Terms & Conditions.