Motorcycle insurance built around how you ride
Cruisers, sport bikes, touring rigs, custom builds and vintage classics each need something different. As a broker, we compare options across 50+ carriers, apply the rider credits you qualify for and close the gaps that leave you exposed.
Every bike type · Custom and vintage · Agreed value available · No cost to compare
See where your policy may leave you exposed
Select what applies to you and your bike. We'll show the coverage that typically fits. Nothing is stored or shared.
Your operation
Select everything that applies.
Coverage that typically applies
2 coverages — a starting point for a conversation, not a quote.
- Liability at 100/300/100Washington minimums (25/50/10) are far too low for a serious motorcycle injury. 100/300/100 plus an umbrella is a sensible floor.
- Uninsured / Underinsured MotoristRiders are especially vulnerable in a collision, and roughly 1 in 6 Washington drivers is uninsured.
Coverage that understands riders
A good motorcycle policy is several protections in one, each with a gap worth checking.
Liability (required in WA)
Pays for injuries and property damage you cause to others; Washington's minimum is 25/50/10. Gap: minimums are low for a motorcycle crash, where injuries are often severe. 100/300/100 plus an umbrella costs little more.
Collision & comprehensive
Collision repairs your bike after a crash; comprehensive covers theft, fire, vandalism, weather and animal strikes. Gap: motorcycles are stolen at nearly twice the rate of cars, so pair comprehensive with agreed value on customs and classics.
Uninsured / underinsured motorist
Pays for your injuries when the at-fault driver has no insurance or not enough. Gap: with roughly 1 in 6 Washington drivers uninsured, skipping or under-buying UM/UIM is the costliest gap we see for riders.
Custom parts & agreed value
Covers aftermarket parts, chrome, exhaust and performance work, and locks in a set value for custom or vintage bikes. Gap: standard custom-parts limits are often $1,000–$3,000; raise the limit and use agreed value on a build.
Roadside, trip & lay-up
24/7 roadside and towing, trip-interruption for breakdowns far from home and seasonal lay-up while stored. Gap: lay-up keeps theft and fire protection while dropping premium 30–50%; track days need a separate endorsement.
Credits many riders qualify for
Available discounts and amounts vary by carrier, rider, bike and state. We confirm exactly what you qualify for.
Multi-policy (bundle)
Bundling with auto or home is usually the single biggest saver.
Multi-bike
More than one motorcycle on the policy saves on each.
Anti-theft devices
Disc locks, alarms and GPS trackers reduce theft risk.
Secure storage
Keeping the bike garaged can lower premium.
Payment & paperless
Pay-in-full, autopay and paperless billing choices that add up.
Safety course
An approved rider course, such as the MSF course, earns a credit with most carriers.
Experienced rider
Years of riding and a clean record lower your rate.
Riding association
Some memberships, such as AMA or HOG, unlock special rates.
Bikes we insure
Cruisers
Harley-Davidson, Indian, Honda Shadow.
Sport bikes
Yamaha R1, Kawasaki Ninja, Ducati.
Touring
Gold Wing, Road Glide, BMW K1600.
Adventure / dual-sport
BMW GS, KTM, Africa Twin.
Custom & choppers
Bobbers, baggers and one-off builds.
Vintage & classic
Restored classics and collectibles.
Standard & naked
Honda CB, Yamaha MT, Kawasaki Z.
Electric
Zero, LiveWire, Energica, Lightning.
One conversation, many carriers
We compare the market
One conversation, many carriers compared, including motorcycle specialists who understand sport bikes, customs and classics.
Built for your build
Agreed value for customs and vintage bikes, real custom-parts limits and seasonal lay-up options that fit Northwest riding.
Help at claim time
After a spill or a theft, we help you file, follow up and see the claim through.
Let's review your motorcycle coverage
Share a few details and a broker will shop your coverage and follow up, usually within one business day.
- Every rider discount you qualify for
- Agreed value and real custom-parts limits for your build
- Uninsured-motorist protection sized to a rider's real risk
Ready for a full quote?
The full application covers you, your riding history, your bike and the coverage you want, so we can come back with firm options.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. The coverage check and discount list are illustrative and not a quote. Washington requires motorcycle liability insurance. Available discounts, eligibility, coverage and rates vary by carrier, rider, motorcycle and state, are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.