Motorcycle Insurance in New York
Hit the open road with confidence. Get comprehensive coverage designed for the unique needs of motorcycle enthusiasts.
NY State Requirements
New York requires all registered motorcycles to have liability insurance, Personal Injury Protection (PIP), and uninsured motorist coverage. The minimum liability limits are 25/50/10 ($25,000 bodily injury per person, $50,000 per accident, $10,000 property damage). These minimums provide basic protection, but higher limits are strongly recommended.
Understanding Motorcycle Insurance
Motorcycle insurance protects you financially if you're involved in an accident, your bike is stolen or damaged, or someone is injured on or by your motorcycle. Because motorcyclists face unique risks on the road—greater vulnerability to injury, higher theft rates, and seasonal riding patterns—motorcycle insurance is specifically designed to address these concerns.
Unlike auto insurance, motorcycle coverage often includes options like accessory coverage for custom parts, trip interruption benefits, and roadside assistance specifically designed for bikes. You can also choose between actual cash value and agreed value coverage to ensure you're properly compensated if your bike is totaled.
Whether you ride a sportbike, cruiser, touring bike, or vintage classic, we can help you find coverage that matches your riding style, experience level, and budget.
Motorcycles We Insure
- ✓Sport bikes and supersports
- ✓Cruisers and choppers
- ✓Touring and adventure bikes
- ✓Standard and naked bikes
- ✓Dual-sport and dirt bikes
- ✓Vintage and classic motorcycles
- ✓Custom and kit bikes
- ✓Scooters and mopeds
Types of Motorcycle Insurance Coverage
Required in New York
- Liability Coverage
Pays for injuries and property damage you cause to others. Minimum: 25/50/10. Recommended: 100/300/50 or higher.
- Personal Injury Protection (PIP)
Covers your medical expenses, lost wages, and other costs regardless of fault. Minimum: $50,000.
- Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Minimum: 25/50.
Optional But Recommended
- Collision Coverage
Pays to repair or replace your bike after an accident, regardless of fault. Essential for financed or valuable bikes.
- Comprehensive Coverage
Covers theft, vandalism, fire, weather damage, and hitting an animal. Very affordable for motorcycles.
- Accessory/Custom Parts Coverage
Covers aftermarket parts, custom paint, chrome, and performance upgrades. Standard policies often have low limits.
- Roadside Assistance
Motorcycle-specific towing and assistance. Important since regular auto club coverage may not apply.
What's Covered vs. What's Not Covered
Typically Covered
- Accident Damage
Collision with another vehicle, object, or single-vehicle crashes (with collision coverage)
- Theft & Vandalism
Stolen motorcycle or parts, and intentional damage by others (with comprehensive)
- Weather Damage
Hail, wind, falling objects, and storm damage (with comprehensive coverage)
- Injuries to Others
Medical bills and legal costs when you're at fault for injuring someone
- Your Medical Bills
PIP covers your injuries regardless of fault, and collision injuries from uninsured drivers
- Passenger Injuries
Your passenger is covered under PIP and liability coverages
Common Exclusions
- Racing Activities
Track days, racing, speed contests, and timed events are typically excluded
- Commercial/Business Use
Using your bike for delivery, rideshare, or other business purposes requires separate coverage
- Unlicensed Riders
Damage caused while ridden by someone without a valid motorcycle license/endorsement
- Intentional Damage
Damage you cause intentionally to your own motorcycle
- Wear, Tear & Maintenance
Mechanical breakdowns, tire wear, and general maintenance issues
- Riding Under Influence
Accidents while intoxicated or impaired may result in denied claims
Ready to Protect Your Ride?
Get a personalized quote in minutes. We'll help you find the right coverage at the right price.
How Much Does Motorcycle Insurance Cost in NY?
Motorcycle insurance in New York typically costs between $200 and $2,000+ per year, depending on many factors. Here's what affects your premium:
Factors That Affect Your Rate
- 1.Motorcycle Type: Sportbikes cost more to insure than cruisers or touring bikes
- 2.Engine Size: Higher CC bikes typically have higher premiums
- 3.Rider Age & Experience: Young and new riders pay more
- 4.Driving Record: Violations and at-fault accidents increase rates
- 5.Location: Urban areas have higher rates than rural
- 6.Coverage Levels: Higher limits and lower deductibles cost more
Ways to Save on Your Premium
- ✓Safety Course Discount: Complete MSF or approved course (5-15% off)
- ✓Multi-Policy: Bundle with auto or home insurance
- ✓Anti-Theft Devices: Alarms, GPS trackers, disc locks
- ✓Motorcycle Association: Many carriers offer member discounts
- ✓Pay in Full: Avoid monthly billing fees
- ✓Seasonal/Lay-up Coverage: Reduced rates during off-season
Approximate Annual Premium Ranges by Bike Type
*These are general estimates for riders with clean records. Your actual premium depends on individual factors. Contact us for an accurate quote.
Riding Season Safety Tips
As a fellow enthusiast, we want you to stay safe on the road. Here are some essential tips to remember:
Always Wear a Helmet
New York law requires DOT-approved helmets for all riders and passengers. A quality helmet is your best protection.
Review Your Policy Annually
Make sure your coverage keeps up with your bike's value, modifications, and your evolving needs.
Take a Safety Course
Even experienced riders benefit from refresher courses. Plus, you'll earn an insurance discount.
Check Weather Conditions
Rain, wind, and cold affect handling. Have proper gear and know when conditions are too dangerous.
Pre-Season Maintenance
Check tires, brakes, fluids, and lights before your first spring ride. Have a mechanic inspect if stored all winter.
Stay Visible
Wear bright or reflective gear. Use your headlight day and night. Position yourself where drivers can see you.
Frequently Asked Questions
What are the minimum motorcycle insurance requirements in New York?
New York requires minimum liability coverage of 25/50/10: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. You must also carry Personal Injury Protection (PIP) of at least $50,000 and uninsured motorist coverage.
How much does motorcycle insurance cost in NY?
Motorcycle insurance in New York typically ranges from $200 to $2,000+ per year depending on the bike type, engine size, your riding experience, age, location, and coverage levels chosen. Sportbikes generally cost more to insure than cruisers or touring bikes.
Can I get a discount for taking a motorcycle safety course?
Yes, most insurance companies offer discounts of 5-15% for completing an approved motorcycle safety course. The MSF (Motorcycle Safety Foundation) Basic RiderCourse and similar state-approved courses qualify for this discount.
Do I need motorcycle insurance if I only ride seasonally?
Yes, you need insurance whenever your motorcycle is registered in New York. However, you can often get seasonal or lay-up coverage during winter months when you're not riding, which reduces your premium while maintaining comprehensive coverage for theft, fire, and other non-riding risks.
Does motorcycle insurance cover my passenger?
Yes, your liability coverage extends to injuries your passenger may cause to others. Your PIP coverage also applies to your passenger. For their injuries in an accident, your passenger would be covered under your uninsured/underinsured motorist coverage or the at-fault driver's insurance.
What is the difference between agreed value and actual cash value coverage?
Agreed value coverage pays a pre-determined amount if your motorcycle is totaled, regardless of depreciation. Actual cash value pays what your bike is worth at the time of loss, minus depreciation. Agreed value is better for custom, vintage, or high-value motorcycles.
Related Coverage Options
Protect all your vehicles and recreational equipment:
Auto Insurance
Bundle your car and motorcycle for multi-vehicle discounts.
Personal Umbrella
Extra liability protection that extends beyond your motorcycle policy.
ATV Insurance
Coverage for your off-road adventures on four wheels.
Snowmobile Insurance
Keep riding all winter with proper snowmobile coverage.
Important Information
This information is provided for educational purposes only and does not constitute insurance advice. Coverage features, exclusions, and availability may vary by state and insurance carrier. All coverage is subject to policy terms, conditions, and exclusions.
Please review your policy carefully and consult with a licensed insurance professional to determine appropriate coverage for your specific situation. Premium estimates are general ranges and your actual cost may vary based on individual underwriting factors.
The Stan Steele Agency is licensed to conduct business in New York State. License information available upon request.
Get Rolling with Confidence
Whether you're a weekend warrior or a daily rider, we've got coverage that fits your lifestyle and budget.
Why Riders Choose Stan Steele Agency
- ✓ Multiple carriers for competitive quotes
- ✓ Coverage for all types of motorcycles
- ✓ Discounts for safety courses and associations
- ✓ Seasonal lay-up options to save during winter
- ✓ Local agents who understand riders' needs
Serving motorcycle enthusiasts across Western New York • Rochester, Buffalo, Syracuse and beyond
