Motorcycles We Insure

We’ve been insuring all types of motorcycles for more than 35 years. We’ve seen just about everything out there and we’re happy to insure almost any type of bike or off-road vehicle you ride. 

  • Moped – A lightweight vehicle that can be pedaled or powered by a small engine. More on moped insurance.
  • Scooter – A two-wheel vehicle usually with much smaller wheels and a low-power engine that only powers the rear wheel. More on scooter insurance.
  • Dirt bike – A lightweight motorcycle with rugged tires and enhanced suspension that’s designed mostly for off-road riding. In most states, these are not legal on roads or streets. More on dirt bike insurance.
  • Vintage and antique – Also called vintage, classic, or collector motorcycles and are classified as bikes 25 years or older. More on vintage and antique motorcycle insurance.
  • Customized – If you get comprehensive and collision, we’ll insure any customizations to your bike up to $3,000 at no extra cost. If you need more coverage than that, you can purchase up to $30,000 for customization coverage. More on customized motorcycle insurance.
  • Sport and high performance – Also called street bikes. These motorcycles are built for speed and rapid acceleration/deceleration. More on sport motorcycle insurance.
  • Cruiser – Cruisers are the most common type of motorcycle and usually include a V-twin, full view engine, swept-back and/or high handlebars with forward-set foot pegs and a stepped seat for two. Common makes/models include Harley Davidson, Honda Shadow, Kawasaki Vulcan, Suzuki Boulevard, etc. More on cruiser insurance.
  • Touring and sport touring – We insure a variety of touring motorcycles, including types with large fairings, luggage compartments and sport touring motorcycles that are more aerodynamic. Common models we insure include Honda ST1300, Triumph Tiger, BMW K1600, etc.
  • Trike – A three-wheel motorcycle with handlebars and open (instead of enclosed) riding. Trikes usually have two wheels in the rear and one in the front. We’ll also insure converted trikes and reverse trikes (two wheels in the front and one in the rear).
  • ATV/UTV – An ATV/UTV usually has four wheels (but can have anywhere from 3-8) and is designed for off-road riding. These vehicles may be covered by homeowners insurance, but you’ll likely need a special ATV policy if you ride it off your property. More on ATV insurance.
  • Autocycle – Enclosed, three-wheeled motorcycle with steering wheels and seating that doesn’t require you to straddle the vehicle (usually bucket or bench seating).
  • Endure (on-road/off-road motorcycle) – An on-road/off-road type motorcycle, equipped with lights and mirrors that is designed to be ridden on both unpaved surfaces and highways. Common models we insure include Honda XR Series, Kawasaki KLX Series, Yamaha WR Series.

We take a proactive approach to motorcycle coverage. When a new motorcycle is getting ready to hit the market, we do our research so we can basically have a policy ready for you when you buy the latest and greatest. 

The proof is in the protection. We offer a wide range of coverages to give you (and your bike) the protection you need. Many of these coverages are automatically included at no extra cost. Compare motorcycle insurance coverage options below and see for yourself why we’re the #1 motorcycle insurer. Then get a motorcycle insurance quote and customize your coverages.

We offer specialized coverages for motorcycle drivers:

  • Full replacement cost and no depreciation for parts – We’ll always return your motorcycle to pre-accident condition or better. Let’s say that your five-year-old front tire with 10,000 miles on it gets damaged. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We pay the full $150 and not the depreciated value. That’s a real $100 difference.
  • Total loss coverage for a brand-new bike – Available if your bike is no more than one model year old on a new policy, and two model years old during a renewal of a total loss coverage policy. If it’s totaled, we’ll give you the full MSRP for a brand-new motorcycle, minus your deductible. Let’s say that you bought a bike for $15,000, and it’s now only worth $10,000. If it’s totaled, and the latest model costs $15,000+, we’ll give you $15,000+. That’s a $5,000 difference. If your bike is no longer eligible for total loss coverage at renewal, your policy still covers the actual cash value for what it’s currently worth.
  • Coverage for gear and personal belongings – You can add coverage for just about all the personal property you carry on your motorcycle if it’s damaged or stolen. This includes camping gear, safety gear, and even your phones.

Coverages that are automatically included: 

  • Full replacement cost and no depreciation – We will always return your bike to pre-accident condition or better. So, let’s say that your five-year-old front tire with 10,000 miles on it gets damaged in a covered loss. Based on the tread remaining, its depreciated value is $50, but you need a new one that costs $150. We’ll give you the full $150 for a brand new one and not the depreciated value. That’s a real $100 difference. This coverage is included if you add comprehensive and collision.
  • Accessories and custom parts/equipment – You’ll get the exact amount needed to re-customize or restore your bike. We’ll automatically include $3,000 of coverage with comprehensive and collision to pay for upgrades, customizations, equipment, and your accessories, helmets, leathers, and gloves. If that’s not enough, you can purchase up to $30,000 in coverage.
  • Small accident forgiveness – We won’t raise your rate for your first accident if we pay out less than $500 for the claim.
  • Large accident forgiveness – Ride accident-free with us for four straight years, and we won’t raise your rate for your first accident no matter how much your claim costs. **
  • OEM parts – If you have Original Equipment Manufacturer (OEM) parts in your bike, we’ll always use OEM parts in repairs. Or if you have custom parts, we’ll use custom parts in repairs. Basically, no matter what parts you have, we’ll always replace them with the same or better parts. This coverage is also included if you add comprehensive and collision.

Standard coverages: 

  • Bodily injury and property damage liability (BI/PD) – Pays for damages to other vehicles, property (fences, signs, etc.), and injuries to other drivers/motorcyclists and their passengers. This will also pay for legal expenses if you’re sued.
  • Uninsured/underinsured motorist (UM/UIM) – It’s a common question: What happens if someone who doesn’t have insurance hits you? Sometimes, they’ll pay out of pocket for damages. But if they can’t, you may have to pay. UM/UIM protects you from that and can pay for damages to your motorcycle, your injuries/medical bills, and lost wages if you can’t work.
  • Comprehensive and collision – Pays to repair or replace your motorcycle if it’s stolen or damaged. There will be a few deductible options and you can choose the one that works best for you. If you have a claim for $2,000 worth of damage and you have a $500 deductible, you pay $500 out of pocket (we’ll pay the rest).
  • Medical payments – Pays for your medical bills (or your passengers’) if you’re in an accident, regardless of who is at fault. You can pick a range of coverage limits.

Extra coverages you can add: 

  • Roadside assistance and trip interruption – If you get stuck or your bike is disabled, we’ll tow it to the nearest repair shop for free. You just must be within 100 feet of the road. You can also add trip interruption to pay for food and lodging expenses up to $500 if you’re away from home (you must have roadside assistance first then add trip interruption).
  • Carried Contents® for your personal belongings – Covers just about all your personal belongings that you carry on your bike if they’re damaged, stolen, or lost. This can include phones, camping gear, hunting gear, or just about any of your other personal property that could fall off your bike.
  • Disappearing deductible – Every policy term that you don’t have a claim, we’ll take 25% off your deductible, all the way down to $0. If you have a claim, the deductible returns to its original amount at the next renewal.
  • Enhanced injury protection – If you’re injured and can’t work, we’ll pay you up to $250 each week for two straight years. We’ll also add built-in life insurance to this, so if you’re in a fatal accident, we’ll pay your beneficiaries $25,000.

Get a motorcycle insurance quote and select the bike you have. If yours isn’t listed, call us at 310-835-3373 , and we’ll try to get you covered.

UniAmerica is Step by Step with You.